HUM · Humana Inc - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · HUM

1Y 3Y 5Y Max

Annual Quarterly

Income Statement

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$129.66B	$117.76B	$106.37B	$92.87B	$83.06B	$77.16B
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
R&D	-	-	-	-	-	-
SG&A	$15.45B	$13.70B	$13.19B	$12.67B	$10.12B	$10.05B
Total Operating Expenses	-	-	-	-	-	-
D&A	$698.00M	$839.00M	$596.00M	$749.00M	$640.00M	$528.00M
Operating Income	$2.70B	$2.56B	$4.01B	$3.80B	$3.15B	$4.99B
Interest Expense	$631.00M	$660.00M	$493.00M	$401.00M	$326.00M	$283.00M
Income Tax	$250.00M	$413.00M	$836.00M	$762.00M	$485.00M	$1.31B
Net Income	$1.19B	$1.21B	$2.49B	$2.81B	$2.93B	$3.37B
EPS - Basic	$9.87	$10.01	$20.09	$22.20	$22.79	$25.47
EPS - Diluted	$9.84	$9.98	$20.00	$22.08	$22.67	$25.31

Balance Sheet

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Cash & Equivalents	$4.20B	$2.22B	$4.69B	$5.06B	$3.39B	$4.67B
Accounts Receivable	$3.27B	$2.70B	$2.04B	$1.67B	$1.81B	$1.14B
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	$32.73B	$29.82B	$29.99B	$26.18B	$24.89B	$23.64B
Total Assets	$48.91B	$46.48B	$47.06B	$43.05B	$44.36B	$34.97B
Current Liabilities	$16.35B	$16.94B	$18.87B	$17.18B	$15.33B	$13.39B
Long-term Debt	$12.37B	$11.14B	$10.21B	$9.03B	$10.54B	$6.06B
Total Liabilities	$31.17B	$30.03B	$30.75B	$27.68B	$28.25B	$21.24B
Stockholders' Equity	$17.66B	$16.38B	$16.26B	$16.08B	$10.16B	$13.73B
Retained Earnings	$29.07B	$28.32B	$27.54B	$25.49B	$23.09B	$20.52B

Cash Flow

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Operating Cash Flow	$921.00M	$2.97B	$3.98B	$4.59B	$2.26B	$5.64B
Investing Cash Flow	$2.27B	($2.95B)	($3.49B)	($1.01B)	($6.56B)	($3.06B)
Financing Cash Flow	($1.22B)	($2.49B)	($856.00M)	($1.91B)	$3.02B	($1.96B)
CapEx	$546.00M	$575.00M	$1.00B	$1.12B	$1.32B	$964.00M
Free Cash Flow	$375.00M	$2.39B	$2.98B	$3.47B	$946.00M	$4.67B

Ratios

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Profitability
Gross margin	-	-	-	-	-	-
Operating margin	2.1%	2.2%	3.8%	4.1%	3.8%	6.5%
EBITDA margin	2.6%	2.9%	4.3%	4.9%	4.6%	7.1%
Net margin	0.9%	1.0%	2.3%	3.0%	3.5%	4.4%
Free cash flow margin	0.3%	2.0%	2.8%	3.7%	1.1%	6.1%
FCF / Net income	0.32	1.98	1.20	1.24	0.32	1.39
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	11.9%	11.6%	12.4%	13.6%	12.2%	13.0%
Effective tax rate	17.4%	25.5%	25.1%	21.4%	14.2%	28.0%
Return on assets	2.4%	2.6%	5.3%	6.5%	6.6%	9.6%
Return on equity	6.7%	7.4%	15.3%	17.5%	28.9%	24.5%
Return on invested capital	7.4%	6.9%	11.3%	11.9%	13.0%	18.2%
Liquidity
Current ratio	2.00	1.76	1.59	1.52	1.62	1.77
Quick ratio	2.00	1.76	1.59	1.52	1.62	1.77
Cash ratio	0.26	0.13	0.25	0.29	0.22	0.35
Leverage
Debt / Equity	0.70	0.68	0.63	0.56	1.04	0.44
Debt / Assets	0.25	0.24	0.22	0.21	0.24	0.17
Debt / EBITDA	3.64	3.28	2.22	1.99	2.78	1.10
Interest coverage	4.3x	3.9x	8.1x	9.5x	9.7x	17.6x
Equity multiplier	2.77	2.84	2.89	2.68	4.37	2.55
Liabilities / Assets	0.64	0.65	0.65	0.64	0.64	0.61
Efficiency
Asset turnover	2.65	2.53	2.26	2.16	1.87	2.21
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	9d	8d	7d	7d	8d	5d
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	26.0x	25.4x	22.9x	23.2x	20.5x	16.2x
P / B	1.8x	1.9x	3.5x	4.0x	5.9x	4.0x
P / S	0.2x	0.3x	0.5x	0.7x	0.7x	0.7x
EV / EBITDA	11.5x	11.6x	13.6x	15.2x	17.7x	10.1x
Growth
Revenue growth (YoY)	10.1%	10.7%	14.5%	11.8%	7.7%	18.9%
Revenue CAGR (3y)	11.8%	12.3%	11.3%	12.7%	13.4%	12.8%
Revenue CAGR (5y)	10.9%	12.7%	13.3%	11.6%	8.8%	7.3%
Gross profit growth (YoY)	-	-	-	-	-	-
Operating income growth (YoY)	5.5%	-36.2%	5.6%	20.7%	-36.9%	56.2%
Net income growth (YoY)	-1.6%	-51.5%	-11.3%	-4.3%	-12.9%	24.4%
EPS growth (YoY)	-1.4%	-50.1%	-9.4%	-2.6%	-10.4%	25.9%
EPS CAGR (3y)	-23.6%	-23.9%	-7.5%	3.2%	23.1%	14.6%
EPS CAGR (5y)	-17.2%	-13.1%	10.5%	5.6%	41.0%	24.6%
FCF growth (YoY)	-84.3%	-19.7%	-14.1%	266.5%	-79.8%	2.8%
FCF CAGR (5y)	-39.6%	-12.1%	13.8%	-0.3%	-7.7%	68.4%
Book value growth (YoY)	7.8%	0.7%	1.1%	58.3%	-26.0%	14.0%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$17.66B total

Center Well Segment$17.66B · 100.0%

Insurance Segment$4.00M · 0.0%

Product / service

$123.84B total

External Revenues$123.84B · 100.0%

Stability scores

Altman Z′

FY 2025 · bankruptcy risk

3.80

Safe

Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.

Piotroski F-score

FY 2025 · 9-point quality

5/9

Neutral

✓Net income positive
✓Operating cash flow positive
✗ROA improved YoY
✗Cash flow > net income
✗Long-term debt decreased
✓Current ratio improved
✓No share dilution
-Gross margin improved
✓Asset turnover improved

Peer comparison

Same SIC group: Hospital & Medical Service Plans

Company	Revenue (last FY)	Net margin	ROE
UNH	$447.57B	2.7%	12.0%
TRUP	$1.44B	1.4%	5.1%
CNC	$194.78B	-3.4%	-33.4%
ALHC	$3.95B	-0.0%	-0.4%
CI	$274.90B	1.2%	8.2%

Comparing HUMANA INC against the 5 most active filers in the same SIC group.

Dividends

$3.54/share trailing 12 months · 0.0% YoY

Ex-date	Per share
Mar 27, 2026	$0.8850
Dec 26, 2025	$0.8850
Sep 26, 2025	$0.8850
Jun 27, 2025	$0.8850
Mar 28, 2025	$0.8850
Dec 31, 2024	$0.8850
Sep 30, 2024	$0.8850
Jun 28, 2024	$0.8850
Mar 27, 2024	$0.8850
Dec 28, 2023	$0.8850
Sep 28, 2023	$0.8850
Jun 29, 2023	$0.8850
Mar 30, 2023	$0.8850
Dec 29, 2022	$0.7880
Sep 29, 2022	$0.7880
Jun 29, 2022	$0.7880
Mar 30, 2022	$0.7880
Dec 30, 2021	$0.7000
Sep 29, 2021	$0.7000
Jun 29, 2021	$0.7000
Mar 30, 2021	$0.7000
Dec 30, 2020	$0.6250
Sep 29, 2020	$0.6250
Jun 29, 2020	$0.6250