HumanaLTS:0J6Z 87 EV-to-FCF is 44.61 as of Jul. 05, 2026, which is 254% above its 10-year median of 12.59. GuruFocus rates LTS:0J6Z with a GF Score™ of 87/100 and a GF Value™ of $363.74 (Fairly Valued). The stock has 7 warning signs investors should review. Among 17 Healthcare Plans companies, Humana ranks worse than 94.12% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Humana's Enterprise Value is $56,742 Mil.
Humana's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $1,272 Mil. Therefore, Humana's EV-to-FCF for today is 44.61.
The historical rank and industry rank for Humana's EV-to-FCF or its related term are showing as below:
LTS:0J6Z'
s EV-to-FCF Range Over the Past 10 Years
Min: -48.57 Med: 12.59 Max: 142.03
Current: 44.61
During the past 13 years, the highest EV-to-FCF of Humana was 142.03. The lowest was -48.57. And the median was 12.59.
LTS:0J6Z's EV-to-FCF is ranked worse than 94.12% of 17
companies
in the Healthcare Plans industry
Industry Median: 20.01
vs LTS:0J6Z: 44.61
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-07-05), Humana's stock price is $395.45.
Humana's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $9.360. Therefore, Humana's PE Ratio (TTM) for today is 42.25.
Humana (LTS:0J6Z) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Humana's share price for today is $395.45.
Humana's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $9.360.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Humana EV-to-FCF Related Terms
Humana EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Humana's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Healthcare Plans subindustry, Humana's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Humana EV-to-FCF vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Humana's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Humana's EV-to-FCF falls into.
Humana's current Enterprise Value is $56,742 Mil.
Humana's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,272 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Humana (LTS:0J6Z) has a EV-to-FCF of 44.61 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Humana and its competitors. This is 254% above median its historical median of 12.59. According to the industry distribution chart, Humana ranks #16 out of 17 companies in the Healthcare Plans industry, placing it in the top 94.1%.
Is Humana's EV-to-FCF too high?
Humana's current EV-to-FCF of 44.61 is 254% above median its 10-year median of 12.59. The Healthcare Plans industry median EV-to-FCF is 20.01. Humana's value of 44.61 is 122.9% above this industry median. Based on the distribution chart, Humana ranks #16 out of 17 companies in the Healthcare Plans industry, which is in the bottom quartile relative to peers. Overall, Humana has a GF Score™ of 87/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Humana's EV-to-FCF compare to CNC and CI?
According to the Healthcare Plans industry distribution chart, Humana ranks #16 out of 17 companies for EV-to-FCF. This places Humana in the lower half of its industry. The industry median EV-to-FCF is 20.01. Humana's value of 44.61 is 122.9% above this benchmark. While the company's 10-year median is 12.59 vs. the industry median of 20.01, Humana has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Healthcare Plans company?
The median EV-to-FCF among Healthcare Plans companies is 20.01, based on 17 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humana's current EV-to-FCF of 44.61 is 122.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Humana and its competitors. For the Healthcare Plans industry, the median EV-to-FCF is 20.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humana's current EV-to-FCF is 44.61, which is 254% above median its own 10-year median of 12.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Humana stock overvalued right now?
Based on GuruFocus' analysis, Humana (LTS:0J6Z) is currently considered Fairly Valued. The stock's GF Value™ is $363.74, compared to a current price of $395.45 — trading 8.7% above its estimated fair value. The current EV-to-FCF is 44.61, which is 254% above median its 10-year median of 12.59 and 122.9% above the Healthcare Plans industry median of 20.01. Humana's overall GF Score™ is 87/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Humana (LTS:0J6Z), the current EV-to-FCF is 44.61 as of Jul. 05, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Humana (LTS:0J6Z) Overvalued in 2026?
Based on GuruFocus' analysis, Humana stock appears to be overvalued.
The current stock price of $395.45 is trading 8.7% above its estimated GF Value™ of $363.74.
GuruFocus considers Humana to be Fairly Valued.
Key valuation signals for LTS:0J6Z:
EV-to-FCF: 44.61 (254% above median its 10-year median of 12.59)
GF Value™: $363.74 vs. price of $395.45 (8.7% above fair value)
Industry Position: 122.9% above the Healthcare Plans median (#16 of 17)
No single metric tells the full story. See the LTS:0J6Z stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Humana is one of the largest private health insurers in the US, and the firm has built a niche specializing in government-sponsored programs, with nearly all its medical membership stemming from Medicare, Medicaid, and the military's Tricare program. Beyond medical insurance, the company provides other healthcare services, including primary-care services, at-home services, and pharmacy benefit management.
87GF Score
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