Humana ABLTS:0RF7 +3.44%67 ROE % is 4.84% as of Mar. 2026, which is 49% below its 10-year median of 9.51. GuruFocus rates LTS:0RF7 with a GF Score™ of 67/100 and a GF Value™ of kr36.46 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 628 Healthcare Providers & Services companies, Humana AB ranks better than 51.75% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Humana AB's annualized net income for the quarter that ended in Mar. 2026 was kr152 Mil. Humana AB's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was kr3,138 Mil. Therefore, Humana AB's annualized ROE % for the quarter that ended in Mar. 2026 was 4.84%.
The historical rank and industry rank for Humana AB's ROE % or its related term are showing as below:
LTS:0RF7'
s ROE % Range Over the Past 10 Years
Min: 4.76 Med: 9.51 Max: 12.24
Current: 6.35
During the past 13 years, Humana AB's highest ROE % was 12.24%. The lowest was 4.76%. And the median was 9.51%.
LTS:0RF7's ROE % is ranked better than 51.75% of 628
companies
in the Healthcare Providers & Services industry
Industry Median: 5.72
vs LTS:0RF7: 6.35
Humana AB (LTS:0RF7) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Humana AB ROE % Related Terms
Humana AB ROE % Historical Data
* Premium members only.
The historical data trend for Humana AB's ROE % 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 Medical Care Facilities subindustry, Humana AB's ROE %, along with its competitors' market caps and ROE % 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 AB ROE % vs Healthcare Providers & Services Industry
For the Healthcare Providers & Services industry and Healthcare sector, Humana AB's ROE % distribution charts can be found below:
* The bar in red indicates where Humana AB's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Humana AB (LTS:0RF7) has a ROE % of 4.84% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Humana AB and its competitors. This is 49% below median its historical median of 9.51. Over the past decade, Humana AB's ROE % has ranged from 4.76 to 12.24. According to the industry distribution chart, Humana AB ranks #303 out of 628 companies in the Healthcare Providers & Services industry, placing it in the top 48.2%.
Is Humana AB's ROE % too high?
Humana AB's current ROE % of 4.84% is 49% below median its 10-year median of 9.51. Over the past 10 years, this metric has ranged from a low of 4.76 to a high of 12.24. The Healthcare Providers & Services industry median ROE % is 5.72. Humana AB's value of 4.84% is 15.4% below this industry median. Based on the distribution chart, Humana AB ranks #303 out of 628 companies in the Healthcare Providers & Services industry, which is above the industry midpoint. Overall, Humana AB has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Humana AB's ROE % compare to HCA and THC?
According to the Healthcare Providers & Services industry distribution chart, Humana AB ranks #303 out of 628 companies for ROE %. This puts Humana AB in the upper half of its industry. The industry median ROE % is 5.72. Humana AB's value of 4.84% is 15.4% below this benchmark. Historically, Humana AB's own ROE % has ranged from 4.76 to 12.24 over the past decade. While the company's 10-year median is 9.51 vs. the industry median of 5.72, Humana AB 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 ROE % for a Healthcare Providers & Services company?
The median ROE % among Healthcare Providers & Services companies is 5.72, based on 628 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humana AB's current ROE % of 4.84% is 15.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Humana AB and its competitors. For the Healthcare Providers & Services industry, the median ROE % is 5.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humana AB's current ROE % is 4.84%, which is 49% below median its own 10-year median of 9.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Humana AB stock overvalued right now?
Based on GuruFocus' analysis, Humana AB (LTS:0RF7) is currently considered Significantly Overvalued. The stock's GF Value™ is kr36.46, compared to a current price of kr48.13 — trading 32% above its estimated fair value. The current ROE % is 4.84%, which is 49% below median its 10-year median of 9.51 and 15.4% below the Healthcare Providers & Services industry median of 5.72. Humana AB's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Humana AB (LTS:0RF7), the current ROE % is 4.84% 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 AB (LTS:0RF7) Overvalued in 2026?
Based on GuruFocus' analysis, Humana AB stock appears to be overvalued.
The current stock price of kr48.13 is trading 32% above its estimated GF Value™ of kr36.46.
GuruFocus considers Humana AB to be Significantly Overvalued.
Key valuation signals for LTS:0RF7:
ROE %: 4.84% (49% below median its 10-year median of 9.51)
GF Value™: kr36.46 vs. price of kr48.13 (32% above fair value)
Industry Position: 15.4% below the Healthcare Providers & Services median (#303 of 628)
No single metric tells the full story. See the LTS:0RF7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Humana AB is a provider of private care services in the Nordic region. The company offers services including individual and family care, personal assistance, elderly care and housing with special services. Geographically, the company operates in Sweden, Norway, Finland, Denmark, and others. It derives maximum revenue from Sweden.
67GF Score
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