Humana Inc. (HUM)
NYSE · Health Care · market cap 36.67B
Share price
$384.52
At the last nightly close
Intrinsic value
$295.10
Range $295.10 – $330.52 — the conservative figure is the low end.
Margin of safety
-23.3%
($295.10 − $384.52) ÷ $384.52
EV / EBIT
22.9
On the median operating profit of 15 fiscal years through 2025.
How these numbers are computed
The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above is the low end of what they agree on.
The frame gives no credit for growth. A company that compounds will therefore read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.
The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.
Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-09-03.
Key metrics
Market position
Annual financials
| Period | Revenue | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|
| 2025-FY | 129.66B | 2.19B | 1.19B | 9.87 | 375.0M |
| 2024-FY | 117.76B | 2.38B | 1.21B | 10.01 | 2.39B |
| 2023-FY | 106.37B | 3.88B | 2.49B | 20.09 | 2.98B |
| 2022-FY | 92.87B | 3.97B | 2.81B | 22.20 | 3.45B |
| 2021-FY | 83.06B | 3.15B | 2.93B | 22.67 | 920.0M |
Filed figures from SEC EDGAR, in the reporting currency.
Next earnings
Recent news
- Perplexityperplexity.ai
- Humana (HUM) Earnings: Latest Report, Earnings Call & Financialspublic.com
- Humana (HUM) Stock Price, News & Analysismarketbeat.com
- Humana Inc. (HUM) Stock Price, News, Quote & History - Yahoo Financefinance.yahoo.com
- Humana News Today (HUM) - Investing.cominvesting.com
Headlines link to their source. Sperio does not republish article text.
The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on HUM.
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This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.