HumanaSTU:HUM +1.21%88 FCF Margin % is 2.86% as of Mar. 2026, which is 3% above its 10-year median of 2.77. GuruFocus rates STU:HUM with a GF Score™ of 88/100 and a GF Value™ of €315.95 (Fairly Valued). The stock has 7 warning signs investors should review. Among 18 Healthcare Plans companies, Humana ranks worse than 88.89% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Humana's Free Cash Flow for the
three
months ended in Mar. 2026 was €980 Mil. Humana's Revenue for the
three
months ended in Mar. 2026 was €34,296 Mil. Therefore, Humana's FCF Margin % for the quarter that ended in Mar. 2026 was 2.86%.
The historical rank and industry rank for Humana's FCF Margin % or its related term are showing as below:
STU:HUM'
s FCF Margin % Range Over the Past 10 Years
Min: 0.29 Med: 2.77 Max: 7.01
Current: 0.94
During the past 13 years, the highest FCF Margin % of Humana was 7.01%. The lowest was 0.29%. And the median was 2.77%.
STU:HUM's FCF Margin % is ranked worse than 88.89% of 18
companies
in the Healthcare Plans industry
Industry Median: 4.09
vs STU:HUM: 0.94
Humana FCF Margin % Related Terms
Humana FCF Margin % Historical Data
* Premium members only.
The historical data trend for Humana's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Humana's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Humana's FCF Margin % falls into.
* 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 (STU:HUM) has a FCF Margin % of 2.86% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Humana and its competitors. This is near median its historical median of 2.77. Over the past decade, Humana's FCF Margin % has ranged from 0.29 to 7.01. According to the industry distribution chart, Humana ranks #16 out of 18 companies in the Healthcare Plans industry, placing it in the top 88.9%.
Is Humana's FCF Margin % too high?
Humana's current FCF Margin % of 2.86% is near median its 10-year median of 2.77. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 7.01. The Healthcare Plans industry median FCF Margin % is 4.09. Humana's value of 2.86% is 30.1% below this industry median. Based on the distribution chart, Humana ranks #16 out of 18 companies in the Healthcare Plans industry, which is in the bottom quartile relative to peers. Overall, Humana has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Humana's FCF Margin % compare to CNC and CI?
According to the Healthcare Plans industry distribution chart, Humana ranks #16 out of 18 companies for FCF Margin %. This places Humana in the lower half of its industry. The industry median FCF Margin % is 4.09. Humana's value of 2.86% is 30.1% below this benchmark. Historically, Humana's own FCF Margin % has ranged from 0.29 to 7.01 over the past decade. While the company's 10-year median is 2.77 vs. the industry median of 4.09, Humana has consistently been below 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 FCF Margin % for a Healthcare Plans company?
The median FCF Margin % among Healthcare Plans companies is 4.09, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humana's current FCF Margin % of 2.86% is 30.1% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Humana and its competitors. For the Healthcare Plans industry, the median FCF Margin % is 4.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humana's current FCF Margin % is 2.86%, which is near median its own 10-year median of 2.77. 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 (STU:HUM) is currently considered Fairly Valued. The stock's GF Value™ is €315.95, compared to a current price of €334.00 — trading 5.7% above its estimated fair value. The current FCF Margin % is 2.86%, which is near median its 10-year median of 2.77 and 30.1% below the Healthcare Plans industry median of 4.09. Humana's overall GF Score™ is 88/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Humana (STU:HUM), the current FCF Margin % is 2.86% as of Mar. 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 (STU:HUM) Overvalued in 2026?
Based on GuruFocus' analysis, Humana stock appears to be overvalued.
The current stock price of €334.00 is trading 5.7% above its estimated GF Value™ of €315.95.
GuruFocus considers Humana to be Fairly Valued.
Key valuation signals for STU:HUM:
FCF Margin %: 2.86% (near median its 10-year median of 2.77)
GF Value™: €315.95 vs. price of €334.00 (5.7% above fair value)
Industry Position: 30.1% below the Healthcare Plans median (#16 of 18)
No single metric tells the full story. See the STU:HUM 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.
88GF Score
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