Humana (FRA:HUM) ROE % Adjusted to Book Value: 23.74% (As of Mar. 2026)

Humana FRA:HUM +0.58% 87 ROE % Adjusted to Book Value is 23.74% as of Mar. 2026. GuruFocus rates FRA:HUM with a GF Score™ of 87/100 and a GF Value™ of €318.92 (Fairly Valued). The stock has 7 warning signs investors should review.

Humana's ROE % for the quarter that ended in Mar. 2026 was 26.35%. Humana's PB Ratio for the quarter that ended in Mar. 2026 was 1.11. Humana's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 23.74%.

Humana ROE % Adjusted to Book Value Related Terms

Humana ROE % Adjusted to Book Value Historical Data

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The historical data trend for Humana's ROE % Adjusted to Book Value 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.

Humana ROE % Adjusted to Book Value Chart

Humana Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROE % Adjusted to Book Value

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5.44

4.46

4.57

4.02

3.80

Humana Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															16.04	7.38	2.55	-10.13	23.74

FRA:HUM vs CNC, CI, MOH: ROE % Adjusted to Book Value Comparison

For the Healthcare Plans subindustry, Humana's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, Humana's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Humana's ROE % Adjusted to Book Value falls into.

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87GF Score

Humana Inc FRA:HUM

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Humana ROE % Adjusted to Book Value Calculation

Humana's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	6.61%	/	1.74
	=	3.80%

Humana's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	26.35%	/	1.11
	=	23.74%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of 23.74% mean?

Humana (FRA:HUM) has a ROE % Adjusted to Book Value of 23.74% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Humana and its competitors.

Is Humana's ROE % Adjusted to Book Value too high?

Humana's current ROE % Adjusted to Book Value is 23.74%. 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 ROE % Adjusted to Book Value compare to CNC and CI?

Humana's ROE % Adjusted to Book Value of 23.74% can be compared against companies in the Healthcare Plans industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROE % Adjusted to Book Value for a Healthcare Plans company?

A good ROE % Adjusted to Book Value depends on the Healthcare Plans industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high ROE % Adjusted to Book Value mean?

A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Humana and its competitors. Humana's current ROE % Adjusted to Book Value is 23.74%. 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 (FRA:HUM) is currently considered Fairly Valued. The stock's GF Value™ is €318.92, compared to a current price of €344.00 — trading 7.9% above its estimated fair value. The current ROE % Adjusted to Book Value is 23.74%. 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 ROE % Adjusted to Book Value calculated?

ROE % Adjusted to Book Value is calculated from a company's financial statements. For Humana (FRA:HUM), the current ROE % Adjusted to Book Value is 23.74% 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 (FRA:HUM) Overvalued in 2026?

Based on GuruFocus' analysis, Humana stock appears to be overvalued. The current stock price of €344.00 is trading 7.9% above its estimated GF Value™ of €318.92. GuruFocus considers Humana to be Fairly Valued.

Key valuation signals for FRA:HUM:

ROE % Adjusted to Book Value: 23.74%
GF Value™: €318.92 vs. price of €344.00 (7.9% above fair value)
GF Score™: 87/100 with 7 warning signs

No single metric tells the full story. See the FRA:HUM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Humana Business Description

Industry Healthcare Healthcare Plans

Comparable Companies CNC CI MOH OSCR ELV ALHC CLOV PGNY PFHO CVS UNH BSP:SAUD3 SZSE:000503 NSE:MEDIASSIST BJSE:920656 BSP:QUAL3 ROCO:6665

Other Exchanges HUM:USA HUM:Mexico 1HUM:Italy 0J6Z:UK HUM:Germany H1UM34:Brazil

Address 101 East Main Street, Louisville, KY, USA, 40202

Website https://www.humana.com

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.

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€344.00

Price

€318.92

GF Value

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