HUMHumana
Is the price fair?
Neither cheap nor expensive: cheap vs its sector, but at the top of its own P/E range.
Priced for ~13% a year FCF growth. Roughly in line with its three-year revenue growth of 13% a year.
Expensive vs its own history: P/E 46.0 vs a 19.4 median over 40 quarters (+137% vs median).
Sector median 22.6× across 130 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 Mar 31, 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 46.0× earnings against 25.0× for the median Healthcare Plans name, more expensive than its own group.
Trailing P/E · Healthcare Plans median 25.0 · 1.84× the median: the market pays up for this one
- Price / sales
- 0.32
Price / sales · today's price, trailing year to Mar 31, 2026
- Free cash flow yield
- 2.9%
Free cash flow yield · Healthcare Plans median 6.5%
- Growth the price implies
- +13%
Growth the price implies · The price pays for +13% free cash flow growth a year for a decade; the business has delivered −50% a year over the last three.
Details›
- Price / booktoday's price, trailing year to Mar 31, 2026
- 2.33
- EV / EBIToperating margin 1.8%: the multiple describes the denominator
- not meaningful
- EV / salestoday's price, trailing year to Mar 31, 2026
- 0.26
- Healthcare median P/E509 names
- 26.2
- Healthcare Plans median P/E11 names
- 25.0
- Free cash flow, trailing twelve months
- $1.27B
- Market capitalisation
- $43.3B
- 3-year revenue growth
- +13%
- 3-year free cash flow growth
- −50%
| Method | Per share |
|---|---|
| What its own history would imply | not meaningful, 46.0× today against a 19.4× median |
| 52-week range | $162.84 – $443.49 |
| Today | $431.00 |
Multiples from SEC filings and end-of-day closes; implied growth from a reverse discounted cash flow. Group medians across the names Ryufin tracks.