HUMANA INC. DL-,166
stock DE:HUM (FRANKFURT)

Alternative ID: US4448591028

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Exchange: FRANKFURT
Sector: Services
Industry: Healthcare Plans
Market Cap: Large (67.04B)
Data in EUR

EPS: 23.35
Current PE: 21.52
BVPS: 111.13
Price/BVPS: 4.39
Dividend: 2.58 / 0.5%

Hist Grade: E (33.05)
YOY Grade: E (22.65)
Debt/FCF: 11.93
ROIC:
PEG: 1.62
PEGY: 1.56

Value Price: 444.04
MOS Price: 222.02
MOS %: -9.1%
Graham Number: 241.63
Graham MOS %: -50.5%
IRT: 10.25

Market Price

488.36

2.61 0.5%

as of Mar 30 '23

52 Week Range:

397.20 584.80

Stock Analyzer Tutorials

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.

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.

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.

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.

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

Exchange: FRANKFURT
Sector: Services
Industry: Healthcare Plans
Market Cap: Large (67.04B)
Inst. Ownership: 94.72%
Insider Ownership: 0.20%
Full Time Employees: 95500

Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States. It operates through three segments: Retail, Group and Specialty, and Healthcare Services. The company offers medical and supplemental benefit plans to individuals. It also has a 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; and administrative services only products to individuals and employer groups, as well as military services, such as TRICARE T2017 East Region contract. Further, it offers pharmacy solutions, provider services, and home solutions services, such as home health and other services to its health plan members, as well as to third parties. As of December 31, 2021, 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 '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Equity (BVPS)	36.99	41.44	45.36	55.68	63.91	71.50	68.21	68.36	78.54	99.87	111.13
growth rate		12.0%	9.5%	22.8%	14.8%	11.9%	-4.6%	0.2%	14.9%	27.2%	11.3%
Earnings BIT				2,362.00	2,370.00	1,845.00	3,474.00	3,112.00	3,192.00	4,986.00	4,277.00
growth rate					0.3%	-22.2%	88.3%	-10.4%	2.6%	56.2%	-14.2%
Avg.PE						47.26	13.02	21.73	17.01	17.82	17.82
growth rate							-72.5%	66.9%	-21.7%	4.8%	0.0%
ROA	8.39	6.49	6.05	5.19	5.30	2.45	9.31	6.40	9.94	10.51	7.39
growth rate		-22.7%	-6.8%	-14.2%	2.1%	-53.8%	280.0%	-31.3%	55.3%	5.7%	-29.7%
ROE	18.94	14.45	13.56	12.10	12.77	5.84	23.85	16.83	24.39	26.14	19.68
growth rate		-23.7%	-6.2%	-10.8%	5.5%	-54.3%	308.4%	-29.4%	44.9%	7.2%	-24.7%
Leverage	2.20	2.26	2.23	2.43	2.39	2.38	2.76	2.50	2.42	2.55	2.76
growth rate		2.7%	-1.3%	9.0%	-1.7%	-0.4%	16.0%	-9.4%	-3.2%	5.4%	8.2%
Balance Sheet	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Acct.Receivable				1,053.00	1,161.00	1,280.00	854.00	2,315.00	2,356.00	2,538.00	3,814.00
growth rate					10.3%	10.3%	-33.3%	171.1%	1.8%	7.7%	50.3%
Acct.Payable				6,570.00	7,188.00	7,030.00	8,597.00	7,929.00	9,642.00	12,027.00	12,613.00
growth rate					9.4%	-2.2%	22.3%	-7.8%	21.6%	24.7%	4.9%
Cur.Assets				15,536.00	15,711.00	16,190.00	17,402.00	16,948.00	19,888.00	23,641.00	24,893.00
growth rate					1.1%	3.1%	7.5%	-2.6%	17.4%	18.9%	5.3%
Total Assets				23,527.00	24,678.00	25,396.00	27,178.00	25,413.00	29,074.00	34,969.00	44,358.00
growth rate					4.9%	2.9%	7.0%	-6.5%	14.4%	20.3%	26.9%
Cash				1,935.00	2,571.00	3,877.00	4,042.00	2,343.00	4,054.00	4,673.00	3,394.00
growth rate					32.9%	50.8%	4.3%	-42.0%	73.0%	15.3%	-27.4%
Cur.Liabilities				7,471.00	8,152.00	7,822.00	9,406.00	10,077.00	10,929.00	13,394.00	15,331.00
growth rate					9.1%	-4.1%	20.3%	7.1%	8.5%	22.6%	14.5%
Liabilities				13,881.00	14,332.00	14,711.00	17,336.00	15,252.00	17,037.00	21,241.00	28,255.00
growth rate					3.3%	2.6%	17.8%	-12.0%	11.7%	24.7%	33.0%
LT Debt				3,825.00	3,794.00	3,792.00	4,770.00	4,375.00	4,967.00	6,060.00	10,541.00
growth rate					-0.8%	-0.1%	25.8%	-8.3%	13.5%	22.0%	73.9%
Equity				9,646.00	10,346.00	10,685.00	9,842.00	10,161.00	12,037.00	13,728.00	16,080.00
growth rate					7.3%	3.3%	-7.9%	3.2%	18.5%	14.1%	17.1%
Common Shares	168.00	163.00	159.00	156.00	151.00	151.00	146.00	33.00	33.00	33.00	33.00
growth rate		-3.0%	-2.5%	-1.9%	-3.2%	0.0%	-3.3%	-77.4%	0.0%	0.0%	0.0%
Cash Flow Statement	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Capital Expenditures				528.00	523.00	527.00	524.00	612.00	736.00	964.00	1,316.00
growth rate					-1.0%	0.8%	-0.6%	16.8%	20.3%	31.0%	36.5%
Cash Dividends				172.00	172.00	177.00	220.00	265.00	291.00	323.00	354.00
growth rate					0.0%	2.9%	24.3%	20.5%	9.8%	11.0%	9.6%
Cash From OA				1,618.00	868.00	1,936.00	4,051.00	2,173.00	5,284.00	5,639.00	2,262.00
growth rate					-46.4%	123.0%	109.3%	-46.4%	143.2%	6.7%	-59.9%
FCF per Share	16.21	-2.35	6.91	4.81	1.04	28.30	20.87	-6.21	24.75	30.48	9.46
growth rate		-100.0%	100.0%	-30.4%	-78.4%	2,621.2%	-26.3%	-100.0%	100.0%	23.2%	-69.0%
Sale Purchase of Stock				29.00	21.00	11.00	62.00
growth rate					-27.6%	-47.6%	463.6%
FCF	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	4,675.00	946.00
growth rate		-12.7%	-15.7%	-14.5%	-68.4%	308.4%	150.2%	-55.7%	191.4%	2.8%	-79.8%
Income Statement	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Sales				48,500.00	54,289.00	54,379.00	53,767.00	56,912.00	64,888.00	77,155.00	84,193.00
growth rate					11.9%	0.2%	-1.1%	5.9%	14.0%	18.9%	9.1%
Op.Income				2,362.00	2,370.00	1,845.00	3,474.00	3,112.00	3,192.00	4,986.00	4,277.00
growth rate					0.3%	-22.2%	88.3%	-10.4%	2.6%	56.2%	-14.2%
IBT				2,170.00	2,431.00	1,552.00	4,020.00	2,074.00	3,470.00	4,674.00	3,419.00
growth rate					12.0%	-36.2%	159.0%	-48.4%	67.3%	34.7%	-26.9%
Net Income				1,147.00	1,276.00	614.00	2,448.00	1,683.00	2,707.00	3,367.00	2,933.00
growth rate					11.3%	-51.9%	298.7%	-31.3%	60.8%	24.4%	-12.9%
EPS	8.46	7.47	7.73	7.36	8.44	4.07	16.81	12.16	20.10	25.31	22.67
growth rate		-11.7%	3.5%	-4.8%	14.7%	-51.8%	313.0%	-27.7%	65.3%	25.9%	-10.4%
Gross Profit				10,334.00	10,020.00	9,372.00	10,271.00	11,030.00	11,031.00	15,527.00	14,994.00
growth rate					-3.0%	-6.5%	9.6%	7.4%	0.0%	40.8%	-3.4%

Quarterly Statements

Item Name	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Earnings BIT	1,236.00	1,757.00	61.00	1,289.00	1,418.00
growth rate		42.2%	-96.5%	2,013.1%	10.0%
Balance Sheet	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Acct.Receivable	2,438.00	1,879.00	3,814.00	3,174.00	3,369.00
growth rate		-22.9%	103.0%	-16.8%	6.1%
Acct.Payable	13,383.00	13,715.00	12,613.00	15,237.00	15,437.00
growth rate		2.5%	-8.0%	20.8%	1.3%
Cur.Assets	25,790.00	25,815.00	24,893.00	26,840.00	27,217.00
growth rate		0.1%	-3.6%	7.8%	1.4%
Total Assets	38,070.00	45,320.00	44,358.00	46,308.00	46,820.00
growth rate		19.0%	-2.1%	4.4%	1.1%
Cash	3,378.00	4,304.00	3,394.00	4,864.00	5,153.00
growth rate		27.4%	-21.1%	43.3%	5.9%
Cur.Liabilities	15,051.00	15,027.00	15,331.00	17,532.00	17,839.00
growth rate		-0.2%	2.0%	14.4%	1.8%
Liabilities	23,227.00	29,038.00	28,255.00	30,966.00	31,310.00
growth rate		25.0%	-2.7%	9.6%	1.1%
LT Debt	6,063.00	11,466.00	10,541.00	11,285.00	11,290.00
growth rate		89.1%	-8.1%	7.1%	0.0%
Equity	14,843.00	16,260.00	16,080.00	15,319.00	15,490.00
growth rate		9.6%	-1.1%	-4.7%	1.1%
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	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Capital Expenditures	329.00	326.00	371.00	295.00	279.00
growth rate		-0.9%	13.8%	-20.5%	-5.4%
Cash Dividends	90.00	90.00	91.00	91.00	100.00
growth rate		0.0%	1.1%	0.0%	9.9%
Cash From OA	360.00	2,835.00	-96.00	302.00	959.00
growth rate		687.5%	-100.0%	100.0%	217.6%
Sale Purchase of Stock
growth rate
FCF	31.00	2,509.00	-467.00	7.00	680.00
growth rate		7,993.6%	-100.0%	100.0%	9,614.3%
Income Statement	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Sales	20,645.00	21,826.00	21,054.00	23,970.00	23,662.00
growth rate		5.7%	-3.5%	13.9%	-1.3%
Op.Income	1,236.00	1,757.00	61.00	1,289.00	1,418.00
growth rate		42.2%	-96.5%	2,013.1%	10.0%
IBT	771.00	1,651.00	-64.00	1,216.00	1,124.00
growth rate		114.1%	-100.0%	100.0%	-7.6%
Net Income	588.00	1,531.00	-14.00	930.00	696.00
growth rate		160.4%	-100.0%	100.0%	-25.2%
Gross Profit	3,496.00	4,510.00	3,616.00	4,345.00	4,563.00
growth rate		29.0%	-19.8%	20.2%	5.0%

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:

E (33.05)

YOY Growth Grade:

E (22.65)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Dividend Yield: 0.5%
Beta: 0.73
Beta of 0.7321 suggests that the asset is less volatile than the rest of the market.
PE: 21.52
EY: 4.6%
PEG: 1.62
PEG Ratio of 1.62 suggests that stock is overpriced.
PEGY: 1.56
PEGY Ratio of 1.56 suggests that stock is overpriced.
Price/BVPS: 4.39

Profitability Ratios

ROE: 19.7%
Return on Equity (ROE) of 19.7% suggests that a company is doing well.
ROS: 5.1%
The value of Return on Sales depends on the business and/or industry. Usually the higher ratio the better.
ROA: 7.7%
Return on Assets (ROA). Low ratio usually means poor performance, or ineffective use of assets by management. High ratio usually means good performance.
ROI: 21.3%
Return on Investment (ROI) of 21.3% suggests that a company is doing well.
ROIC:

Liquidity Ratios

Current Ratio: 1.62
Current Ratio of 1.62 suggests that a company may not be able to pay off bills as rapidly as it should.
Quick Ratio: 0.47
Quick Ratio of 0.47 suggests that a company does not have enough cash to cover immediate liabilities.
Cash Turnover: 8.81
Turnover Of Cash Ratio of 8.81 suggests that a company may be vulnerable to creditors. As a result it may be unable to pay wages or utility bills.
Equity Ratio: 36.3%
Equity Ratio of 36.3% suggests that a company has high financing and debt service costs, not very attractive to investors.
Debt/Equity: 175.7%
Debt to Equity Ratio of 175.7% suggests that greater risk assumed by creditors, hence greater interest by them in the way the company is being managed.
Debt/FCF: 11.93
Debt/FCF of 11.93 suggests that a company does not have enough cash to pay off its long term debt within three years.

Efficiency Ratios

Avg Collection Period: 16.53
Average Collection Period of 16.53 days suggests that a company is doing well.
Inventory Turnover:
Cash Flow Ratio:
Profit Margin: 3.5%

Value Price

PE and EPS

	Historical	Current	Forward
PE	22.34	20.91	21.26
EPS / Growth	26.8%	23.35	13.3%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 12.3%

Estimates	Pessimistic	Moderate	Optimistic
Rate of Return	15.0%
MOS Price %	50 %
Future EPS Growth	12.3%	12.8%	12.8%
Future PE	21.26	23.07	23.07
Future EPS	74.42	77.87	77.87
Value Price MOS %	391.18 -19.9%	444.04 -9.1%	444.04 -9.1%
MOS Price	195.59	222.02	222.02
IRT	10.26	10.09	10.09

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.

Graham Number: 241.63
Graham MOS: -50.5%

Price Chart

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