HUMHumana
Is the price fair?
Neither cheap nor expensive: modest expectations priced in and cheap vs its sector, but at the top of its own P/E range.
Priced for ~9% a year FCF growth. The price demands less than its three-year revenue growth of 14% a year, expectations look modest.
Expensive vs its own history: P/E 39.9 vs a 19.5 median over 41 quarters (+105% vs median).
Sector median 25.1× across 135 covered peers. EV/EBIT counts debt as part of the price, so a cash-rich and a borrowed company can be compared on the same footing.
Unless marked, from derived, as of Jun 30, 2026.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. The growth-implied estimate assumes a fixed discount rate; capital-heavy sectors look structurally rich on it.
What HUM's price assumes
Humana trades at 39.9× earnings against 25.7× for the median Healthcare Plans name, more expensive than its own group.
Trailing P/E · Healthcare Plans median 25.7 · 1.55× the median: the market pays up for this one
- Price / sales
- 0.35
Price / sales · today's price, trailing year to Jun 30, 2026
- Free cash flow yield
- 3.8%
Free cash flow yield · Healthcare Plans median 7.4%
- Growth the price implies
- +9.1%
Growth the price implies · The price pays for +9.1% free cash flow growth a year for a decade; the business has delivered −46% a year over the last three.
Details›
- Price / booktoday's price, trailing year to Jun 30, 2026
- 2.64
- EV / EBIToperating margin 1.9%: the multiple describes the denominator
- not meaningful
- EV / salestoday's price, trailing year to Jun 30, 2026
- 0.28
- Healthcare median P/E503 names
- 27.9
- Healthcare Plans median P/E11 names
- 25.7
- Free cash flow, trailing twelve months
- $1.95B
- Market capitalisation120.1 million shares, counted Jun 30, 2026
- $50.7B
- 3-year revenue growth
- +14%
- 3-year free cash flow growth
- −46%
| Method | Per share |
|---|---|
| What its own history would imply | not meaningful, 39.9× today against a 19.5× median |
| 52-week range | $162.84 – $443.49 |
| Today | $422.30 |
Multiples from SEC filings and end-of-day closes; implied growth from a reverse discounted cash flow. Group medians across the names Ryufin tracks.
What is it worth?
Today's price against what its own multiples, its cash flow and your growth assumption say it is worth.
Against its own past
Its multiples now against their own history, and how much of the price move came from earnings rather than the multiple.