Humana (HUM) Stock Analysis

November 11, 2026

This is a peer-relative look at Humana (HUM): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Health Care Equipment & Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Humana (HUM)
Profile Item	HUM
Name	Humana Inc.
Country/Region	United States
GICS Sector	Health Care
GICS Industry Group	Health Care Equipment & Services
GICS Industry	Health Care Providers & Services
GICS Sub-Industry	Managed Health Care
Market Capitalization	52.09 billion USD
Currency	USD
Exchange	NYSE
Listing Date	December 31, 1981
Security Type	Common Stock

Price Performance

Cumulative Growth

HUM

GSPC

Humana (HUM) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Humana (HUM) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Humana (HUM) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Humana (HUM) metric values compared with Health Care Equipment & Services industry-group medians
Metric	Current stock: HUM	Industry group median
Total Return (1Y)	75.62%	21.53%
Total Return (3Y, Annualized)	-2.91%	9.81%
Total Return (5Y, Annualized)	0.40%	-2.76%

Risk Profile

Drawdown History

HUM

GSPC

Humana (HUM) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Humana (HUM) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Humana (HUM) metric values compared with Health Care Equipment & Services industry-group medians
Metric	Current stock: HUM	Industry group median
Volatility (1Y, Annualized)	45.95%	50.93%
Beta (5Y)	0.62	0.85
Max Drawdown (5Y)	-69.92%	-70.34%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. HUM is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Humana (HUM) metric values compared with Health Care Equipment & Services industry-group medians
Metric	Current stock: HUM	Industry group median
Sharpe Ratio (1Y)	1.55	0.34
Sortino Ratio (1Y)	2.28	0.54

Profitability

ROE (TTM)

Humana (HUM) posts ROE of 6.74%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

HUM

Health Care Equipment & Services industry group

6.74%

Group distribution

Max: 47.61%
Q3: 14.36%
HUM: 6.74%
Median: 5.45%
Q1: -10.67%
Min: -47.01%

Largest peers

ISRG: 17.93%
SYK: 16.02%
UNH: 15.77%
MDT: 10.65%
ABT: 9.14%
HUM: 6.74%
MCK: --

Where Humana (HUM) stands on ROE within its Health Care Equipment & Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Humana (HUM) keeps 0.81% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

HUM

Health Care Equipment & Services industry group

0.81%

Group distribution

Max: 29.35%
Q3: 9.33%
Median: 2.18%
HUM: 0.81%
Q1: -6.29%
Min: -28.46%

Largest peers

ISRG: 25.54%
MDT: 13.93%
SYK: 13.78%
ABT: 9.75%
UNH: 3.53%
MCK: 1.12%
HUM: 0.81%

Where Humana (HUM) stands on net margin within its Health Care Equipment & Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Humana (HUM) turns 0.24% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

HUM

Health Care Equipment & Services industry group

0.24%

Group distribution

Max: 35.43%
Q3: 14.14%
Median: 6.81%
HUM: 0.24%
Q1: -0.28%
Min: -16.29%

Largest peers

ISRG: 33.29%
SYK: 22.96%
MDT: 19.33%
ABT: 11.66%
UNH: 5.82%
MCK: 1.48%
HUM: 0.24%

Where Humana (HUM) stands on operating margin within its Health Care Equipment & Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Humana (HUM) metric values compared with Health Care Equipment & Services industry-group medians
Metric	Current stock: HUM	Industry group median
ROE (TTM)	6.74%	5.45%
ROA (TTM)	3.24%	3.17%
Net Margin (TTM)	0.81%	2.18%
Operating Margin (TTM)	0.24%	6.81%
Gross Margin (TTM)	13.01%	55.21%

Growth

Revenue Growth

Humana (HUM) grew revenue 10.11%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Humana (HUM): Revenue Growth across different time periods, set against Health Care Equipment & Services industry-group medians.

EPS Growth

Humana (HUM) grew earnings per share -1.40%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Humana (HUM): EPS Growth across different time periods, set against Health Care Equipment & Services industry-group medians.

Growth Metrics

Humana (HUM) metric values compared with Health Care Equipment & Services industry-group medians
Metric	Current stock: HUM	Industry group median
Revenue Growth (YoY)	10.11%	11.55%
Revenue Growth (3Y CAGR)	11.77%	10.83%
EPS Growth (YoY)	-1.40%	4.88%
EPS Growth (3Y CAGR)	-23.62%	14.59%

Financial Strength

Current Ratio (MRQ)

Humana (HUM) has current ratio of 1.65, in the healthier middle range for its industry. The short-term asset cushion looks balanced relative to peers rather than stretched thin.

HUM

Health Care Equipment & Services industry group

1.65

Group distribution

Max: 7.59
Q3: 4.00
Median: 1.98
HUM: 1.65
Q1: 1.37
Min: 0.30

Largest peers

ISRG: 3.33
SYK: 2.18
MDT: 2.07
HUM: 1.65
ABT: 1.46
MCK: 0.90
UNH: 0.74

Where Humana (HUM) stands on current ratio within its Health Care Equipment & Services peer group — the box is the group’s distribution and the dots its largest members.

Debt / Equity (MRQ)

Humana (HUM) has debt-to-equity ratio of 0.68, roughly in line with the peer group’s normal leverage range. Its mix of debt and equity looks typical for the industry.

HUM

Health Care Equipment & Services industry group

0.68

Group distribution

Max: 1.88
Q3: 0.91
HUM: 0.68
Median: 0.58
Q1: 0.16
Min: 0.00

Largest peers

UNH: 0.70
HUM: 0.68
SYK: 0.66
ABT: 0.61
MDT: 0.55
ISRG: --
MCK: --

Where Humana (HUM) stands on debt-to-equity ratio within its Health Care Equipment & Services peer group — the box is the group’s distribution and the dots its largest members.

Financial Strength Metrics

Humana (HUM) metric values compared with Health Care Equipment & Services industry-group medians
Metric	Current stock: HUM	Industry group median
Current Ratio (MRQ)	1.65	1.98
Debt / Equity (MRQ)	0.68	0.58
Net Debt / EBITDA	-4.10	2.04

Dividends

Dividend Yield (TTM)

Humana (HUM) has dividend yield of 0.21%, above the entire industry range. That headline income is large, but yields this far above peers often come from a falling share price or an at-risk payout, so dividend safety matters more than the percentage itself.

HUM

Health Care Equipment & Services industry group

0.21%

Group distribution

HUM: 0.21%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Largest peers

MDT: 2.72%
UNH: 2.29%
ABT: 2.22%
SYK: 1.05%
MCK: 0.32%
HUM: 0.21%
ISRG: 0.00%

Where Humana (HUM) stands on dividend yield within its Health Care Equipment & Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Humana (HUM) has payout ratio of 34.54%, above the peer distribution for its industry. The dividend consumes more reported earnings than peers normally do, leaving unusually thin earnings cover.

HUM

Health Care Equipment & Services industry group

34.54%

Group distribution

HUM: 34.54%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

Largest peers

ABT: 92.54%
MDT: 70.02%
UNH: 51.71%
SYK: 37.49%
HUM: 34.54%
MCK: 8.77%
ISRG: 0.00%

Where Humana (HUM) stands on payout ratio within its Health Care Equipment & Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Humana (HUM) metric values compared with Health Care Equipment & Services industry-group medians
Metric	Current stock: HUM	Industry group median
Dividend Yield (TTM)	0.21%	0.00%
Dividend Payout Ratio (TTM)	34.54%	0.00%

Valuation

P/E Ratio (TTM)

Humana (HUM) trades at P/E ratio of 42.32, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

HUM

Health Care Equipment & Services industry group

42.32

Group distribution

Max: 80.41
Q3: 47.62
HUM: 42.32
Median: 29.93
Q1: 21.19
Min: 4.21

Largest peers

ISRG: 54.75
HUM: 42.32
ABT: 41.02
SYK: 34.70
MCK: 27.36
MDT: 25.01
UNH: 22.50

Where Humana (HUM) stands on P/E ratio within its Health Care Equipment & Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Humana (HUM) trades at 0.34 on P/S ratio, in the lower sales-valuation quartile for its industry. That points to a cheaper revenue stream than most peers, with margin quality still doing the heavy lifting.

HUM

Health Care Equipment & Services industry group

0.34

Group distribution

Max: 8.80
Q3: 4.32
Median: 2.13
Q1: 1.10
HUM: 0.34
Min: 0.03

Largest peers

ISRG: 13.82
SYK: 4.72
ABT: 3.95
MDT: 3.47
UNH: 0.78
HUM: 0.34
MCK: 0.29

Where Humana (HUM) stands on P/S ratio within its Health Care Equipment & Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Humana (HUM) trades at 2.77 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

HUM

Health Care Equipment & Services industry group

2.77

Group distribution

Max: 11.68
Q3: 6.12
Median: 3.00
HUM: 2.77
Q1: 1.73
Min: -1.31

Largest peers

ISRG: 9.82
SYK: 5.29
ABT: 3.73
UNH: 3.60
HUM: 2.77
MDT: 2.59
MCK: -30.85

Where Humana (HUM) stands on P/B ratio within its Health Care Equipment & Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Humana (HUM) metric values compared with Health Care Equipment & Services industry-group medians
Metric	Current stock: HUM	Industry group median
P/E Ratio (TTM)	42.32	29.93
P/S Ratio (TTM)	0.34	2.13
P/B Ratio (MRQ)	2.77	3.00
Free Cash Flow Yield (TTM)	6.27%	3.50%