HUMHumana
Is it safe?
Forensics clean, with a caveat: a safe balance sheet and comfortable debt (AA), but big price swings.
Financially healthy, low distress risk Altman Z-score, a bankruptcy-risk model from five balance-sheet ratios.
Net cash and profitable. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -70% · now 3% below its 52-week high.
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. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can HUM take a bad year?
Humana holds $7.97B more cash than debt, so a bad year is a question about profits, not about lenders.
Net cash
- Net debt / EBITDA
- net cash
Net debt / EBITDA · no net borrowings to measure against earnings
- Altman Z-score
- 4.91
Altman Z-score · safe zone, above 3
- Interest cover
- 3.68×
Interest cover · operating profit covers the interest bill, with room to spare
Details›
- Total debtQ1 2026
- $14.0B
- Cash and short-term investments
- $22.0B
- Net cash
- $7.97B
- EBITDA, trailing twelve months
- $3.12B
- Operating profit, trailing twelve months
- $2.44B
- Debt / equity
- 0.75×
- Total debt / EBITDA
- 4.48×
- Annualised volatilitytwo years of daily moves
- 48%
- Worst drawdown on file
- −70%
- Below its 52-week high
- 2.8%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.