Market Price

306.00 

26.00 9.3%

as of Apr 06 '20

52 Week Range:

204.00 354.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States. It operates through Retail, Group and Specialty, and Healthcare Services segments. The company offers medical and supplemental benefit plans to individuals. It also has contract with Centers for Medicare and Medicaid Services to administer the Limited Income Newly Eligible Transition prescription drug plan program; and contracts with various states to provide Medicaid, dual eligible, and long-term support services benefits. In addition, the company provides commercial fully-insured medical and specialty health insurance benefits comprising dental, vision, and other supplemental health benefits; financial protection products; and administrative services only products to individuals and employer groups, as well as military services, such as TRICARE South Region contract. Further, it offers pharmacy solutions, provider services, predictive modeling and informatics services, and clinical care services, such as home health and other services to its health plan members, as well as to third parties. As of December 31, 2019, the company had approximately 17 million members in medical benefit plans, as well as approximately 5 million members in specialty products. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 22.73
31.15
36.99
41.44
45.36
55.68
63.91
71.50
68.21
68.36
78.54
growth rate 37.0% 18.8% 12.0% 9.5% 22.8% 14.8% 11.9% -4.6% 0.2% 14.9%
Earnings BIT 2,362.00
2,370.00
1,845.00
3,474.00
3,112.00
3,239.00
growth rate 0.3% -22.2% 88.3% -10.4% 4.1%
Avg.PE 47.26
13.02
21.73
17.01
growth rate -72.5% 66.9% -21.7%
ROA 7.65
7.27
8.39
6.49
6.05
5.19
5.30
2.45
9.31
6.40
9.94
growth rate -5.0% 15.4% -22.7% -6.8% -14.2% 2.1% -53.8% 280.0% -31.3% 55.3%
ROE 20.32
17.31
18.94
14.45
13.56
12.10
12.77
5.84
23.85
16.83
24.39
growth rate -14.8% 9.4% -23.7% -6.2% -10.8% 5.5% -54.3% 308.4% -29.4% 44.9%
Leverage 2.45
2.33
2.20
2.26
2.23
2.43
2.39
2.38
2.76
2.50
2.42
growth rate -4.9% -5.6% 2.7% -1.3% 9.0% -1.7% -0.4% 16.0% -9.4% -3.2%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 1,053.00
1,161.00
1,280.00
854.00
2,315.00
2,356.00
growth rate 10.3% 10.3% -33.3% 171.1% 1.8%
Acct.Payable 6,570.00
7,188.00
7,030.00
8,597.00
7,929.00
9,642.00
growth rate 9.4% -2.2% 22.3% -7.8% 21.6%
Cur.Assets 15,536.00
15,711.00
16,190.00
17,402.00
16,948.00
19,888.00
growth rate 1.1% 3.1% 7.5% -2.6% 17.4%
Total Assets 23,527.00
24,678.00
25,396.00
27,178.00
25,413.00
29,074.00
growth rate 4.9% 2.9% 7.0% -6.5% 14.4%
Cash 1,935.00
2,571.00
3,877.00
4,042.00
2,343.00
4,054.00
growth rate 32.9% 50.8% 4.3% -42.0% 73.0%
Cur.Liabilities 7,471.00
8,152.00
7,822.00
9,406.00
10,077.00
10,929.00
growth rate 9.1% -4.1% 20.3% 7.1% 8.5%
Liabilities 13,881.00
14,332.00
14,711.00
17,336.00
15,252.00
17,037.00
growth rate 3.3% 2.6% 17.8% -12.0% 11.7%
LT Debt 3,825.00
3,794.00
3,792.00
4,770.00
4,375.00
4,967.00
growth rate -0.8% -0.1% 25.8% -8.3% 13.5%
Equity 9,646.00
10,346.00
10,685.00
9,842.00
10,161.00
12,037.00
growth rate 7.3% 3.3% -7.9% 3.2% 18.5%
Common Shares 169.00
170.00
168.00
163.00
159.00
156.00
151.00
151.00
146.00
138.00
135.00
growth rate 0.6% -1.2% -3.0% -2.5% -1.9% -3.2% 0.0% -3.3% -5.5% -2.2%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 528.00
523.00
527.00
524.00
612.00
736.00
growth rate -1.0% 0.8% -0.6% 16.8% 20.3%
Cash Dividends 172.00
172.00
177.00
220.00
265.00
291.00
growth rate 0.0% 2.9% 24.3% 20.5% 9.8%
Cash From OA 1,618.00
868.00
1,936.00
4,051.00
2,173.00
5,284.00
growth rate -46.4% 123.0% 109.3% -46.4% 143.2%
FCF per Share 5.12
10.45
16.21
-2.35
6.91
4.81
1.04
28.30
20.87
-6.21
24.75
growth rate 104.1% 55.1% -100.0% 100.0% -30.4% -78.4% 2,621.2% -26.3% -100.0% 100.0%
Sale Purchase of Stock 29.00
21.00
11.00
62.00
growth rate -27.6% -47.6% 463.6%
FCF 1,236.00
2,019.00
1,733.00
1,513.00
1,275.00
1,090.00
345.00
1,409.00
3,525.00
1,561.00
4,548.00
growth rate 63.4% -14.2% -12.7% -15.7% -14.5% -68.4% 308.4% 150.2% -55.7% 191.4%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 48,500.00
54,289.00
54,379.00
53,767.00
56,912.00
64,888.00
growth rate 11.9% 0.2% -1.1% 5.9% 14.0%
Op.Income 2,362.00
2,370.00
1,845.00
3,474.00
3,112.00
3,239.00
growth rate 0.3% -22.2% 88.3% -10.4% 4.1%
IBT 2,170.00
2,431.00
1,552.00
4,020.00
2,074.00
3,470.00
growth rate 12.0% -36.2% 159.0% -48.4% 67.3%
Net Income 1,147.00
1,276.00
614.00
2,448.00
1,683.00
2,707.00
growth rate 11.3% -51.9% 298.7% -31.3% 60.8%
EPS 6.15
6.47
8.46
7.47
7.73
7.36
8.44
4.07
16.81
12.16
20.10
growth rate 5.2% 30.8% -11.7% 3.5% -4.8% 14.7% -51.8% 313.0% -27.7% 65.3%
Gross Profit 10,334.00
10,020.00
9,372.00
10,271.00
11,030.00
11,031.00
growth rate -3.0% -6.5% 9.6% 7.4% 0.0%

Quarterly Statements

Item Name Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Earnings BIT 517.00
847.00
1,115.00
887.00
390.00
growth rate 63.8% 31.6% -20.5% -56.0%
Balance Sheet Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Acct.Receivable 1,015.00
1,955.00
904.00
848.00
2,356.00
growth rate 92.6% -53.8% -6.2% 177.8%
Acct.Payable 7,929.00
9,621.00
9,553.00
9,740.00
9,642.00
growth rate 21.3% -0.7% 2.0% -1.0%
Cur.Assets 16,948.00
19,673.00
20,160.00
20,324.00
19,888.00
growth rate 16.1% 2.5% 0.8% -2.2%
Total Assets 25,413.00
28,349.00
28,913.00
29,180.00
29,074.00
growth rate 11.6% 2.0% 0.9% -0.4%
Cash 2,343.00
3,877.00
4,778.00
5,527.00
4,054.00
growth rate 65.5% 23.2% 15.7% -26.7%
Cur.Liabilities 10,077.00
11,927.00
11,539.00
11,106.00
10,929.00
growth rate 18.4% -3.3% -3.8% -1.6%
Liabilities 15,252.00
17,508.00
17,041.00
17,579.00
17,037.00
growth rate 14.8% -2.7% 3.2% -3.1%
LT Debt 4,375.00
4,376.00
4,377.00
5,365.00
4,967.00
growth rate 0.0% 0.0% 22.6% -7.4%
Equity 10,161.00
10,841.00
11,872.00
11,601.00
12,037.00
growth rate 6.7% 9.5% -2.3% 3.8%
Common Shares 33.00
33.00
33.00
33.00
33.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Capital Expenditures 176.00
139.00
157.00
210.00
230.00
growth rate -21.0% 13.0% 33.8% 9.5%
Cash Dividends 70.00
68.00
74.00
74.00
75.00
growth rate -2.9% 8.8% 0.0% 1.4%
Cash From OA -333.00
896.00
1,434.00
2,442.00
512.00
growth rate 100.0% 60.0% 70.3% -79.0%
Sale Purchase of Stock
growth rate
FCF -509.00
757.00
1,277.00
2,232.00
282.00
growth rate 100.0% 68.7% 74.8% -87.4%
Income Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Sales 14,168.00
16,107.00
16,245.00
16,241.00
16,295.00
growth rate 13.7% 0.9% 0.0% 0.3%
Op.Income 517.00
847.00
1,115.00
887.00
390.00
growth rate 63.8% 31.6% -20.5% -56.0%
IBT 438.00
749.00
1,241.00
889.00
591.00
growth rate 71.0% 65.7% -28.4% -33.5%
Net Income 355.00
566.00
940.00
689.00
512.00
growth rate 59.4% 66.1% -26.7% -25.7%
Gross Profit 2,735.00
2,614.00
2,927.00
2,884.00
2,606.00
growth rate -4.4% 12.0% -1.5% -9.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (70.94)

YOY Growth Grade:

E (21.29)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 15.22 15.22
EPS / Growth 20.10

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.3% 8.3% 8.3%
Future PE 0.01 10.61 10.61
Future EPS 44.62 44.62 44.62
Value Price
MOS %
0.11
-100.0%
117.01
-61.8%
117.01
-61.8%
MOS Price 0.06 58.50 58.50
IRT 9.69 9.69 9.69

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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