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STOCKS

Humana Inc (HUM)

NYSE:HUM

HUM

Humana

RESEARCH TOOLSreports

Humana (HUM) Ratios

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2,644 Followers

Humana Ratios

HUM's free cash flow for Q3 2025 was $-1.98. For the 2025 fiscal year, HUM's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	2.02	1.76	1.59	0.29	0.22
Quick Ratio	2.02	1.76	1.59	1.92	1.96
Cash Ratio	0.33	0.13	0.25	0.29	0.22
Solvency Ratio	0.07	0.07	0.11	0.40	0.35
Operating Cash Flow Ratio	0.13	0.18	0.21	0.27	0.15
Short-Term Operating Cash Flow Coverage	0.00	5.14	2.76	2.19	1.16
Net Current Asset Value	$ 1.61B	$ -219.00M	$ -761.00M	$ -3.97B	$ -7.15B
Leverage Ratios
Debt-to-Assets Ratio	0.25	0.25	0.25	0.27	0.29
Debt-to-Equity Ratio	0.68	0.72	0.72	0.75	0.80
Debt-to-Capital Ratio	0.40	0.42	0.42	0.43	0.44
Long-Term Debt-to-Capital Ratio	0.40	0.40	0.39	0.37	0.40
Financial Leverage Ratio	2.68	2.84	2.89	2.81	2.76
Debt Service Coverage Ratio	4.34	2.37	2.11	1.57	1.69
Interest Coverage Ratio	3.04	4.18	8.14	9.48	11.49
Debt to Market Cap	0.38	0.38	0.21	0.17	0.21
Interest Debt Per Share	110.02	102.69	98.08	93.54	102.15
Net Debt to EBITDA	2.33	2.84	1.41	1.36	2.17
Profitability Margins
Gross Profit Margin	23.12%	100.00%	100.00%	86.36%	87.82%
EBIT Margin	1.62%	2.02%	3.77%	4.40%	4.70%
EBITDA Margin	2.45%	2.84%	4.63%	5.04%	5.22%
Operating Profit Margin	1.56%	2.35%	3.77%	4.09%	4.51%
Pretax Profit Margin	1.35%	1.38%	3.12%	3.84%	4.04%
Net Profit Margin	1.02%	1.02%	2.34%	3.02%	3.53%
Continuous Operations Profit Margin	0.91%	1.03%	2.34%	3.02%	3.53%
Net Income Per EBT	75.70%	74.19%	74.97%	78.64%	87.45%
EBT Per EBIT	86.50%	58.91%	82.73%	93.89%	89.56%
Return on Assets (ROA)	2.59%	2.60%	5.29%	6.52%	6.61%
Return on Equity (ROE)	7.28%	7.37%	15.31%	18.33%	18.24%
Return on Capital Employed (ROCE)	5.87%	9.35%	14.23%	14.68%	12.90%
Return on Invested Capital (ROIC)	4.90%	6.84%	10.19%	10.68%	10.34%
Return on Tangible Assets	3.22%	3.41%	6.95%	8.73%	9.58%
Earnings Yield	3.90%	3.95%	4.39%	4.33%	4.91%
Efficiency Ratios
Receivables Turnover	47.08	43.55	52.27	55.48	45.79
Payables Turnover	0.00	0.00	0.00	2.56	2.42
Inventory Turnover	0.00	0.00	0.00	-0.45	-0.38
Fixed Asset Turnover	55.72	46.51	30.05	24.86	22.14
Asset Turnover	2.54	2.53	2.26	2.16	1.87
Working Capital Turnover Ratio	15.25	5.49	-212.11	-7.72	-8.04
Cash Conversion Cycle	7.75	8.38	6.98	-938.17	-1.11K
Days of Sales Outstanding	7.75	8.38	6.98	6.58	7.97
Days of Inventory Outstanding	0.00	0.00	0.00	-802.45	-963.15
Days of Payables Outstanding	0.00	0.00	0.00	142.30	150.85
Operating Cycle	7.75	8.38	6.98	-795.87	-955.18
Cash Flow Ratios
Operating Cash Flow Per Share	16.97	24.60	32.14	36.28	17.58
Free Cash Flow Per Share	12.84	19.83	24.03	27.42	7.35
CapEx Per Share	4.13	4.77	8.11	8.86	10.23
Free Cash Flow to Operating Cash Flow	0.76	0.81	0.75	0.76	0.42
Dividend Paid and CapEx Coverage Ratio	2.21	2.95	2.77	3.03	1.35
Capital Expenditure Coverage Ratio	4.11	5.16	3.97	4.10	1.72
Operating Cash Flow Coverage Ratio	0.16	0.25	0.34	0.40	0.18
Operating Cash Flow to Sales Ratio	0.02	0.03	0.04	0.05	0.03
Free Cash Flow Yield	4.68%	7.82%	5.25%	5.35%	1.58%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	25.60	25.34	22.78	23.08	20.35
Price-to-Sales (P/S) Ratio	0.26	0.26	0.53	0.70	0.72
Price-to-Book (P/B) Ratio	1.78	1.87	3.49	4.23	3.71
Price-to-Free Cash Flow (P/FCF) Ratio	21.31	12.79	19.05	18.68	63.10
Price-to-Operating Cash Flow Ratio	16.15	10.31	14.24	14.12	26.39
Price-to-Earnings Growth (PEG) Ratio	-1.41	-0.51	-2.40	-8.91	-1.93
Price-to-Fair Value	1.78	1.87	3.49	4.23	3.71
Enterprise Value Multiple	12.95	11.97	12.91	15.20	15.93
Enterprise Value	40.27B	40.09B	63.67B	71.11B	69.12B
EV to EBITDA	12.98	11.97	12.91	15.20	15.93
EV to Sales	0.32	0.34	0.60	0.77	0.83
EV to Free Cash Flow	26.03	16.77	21.39	20.51	73.06
EV to Operating Cash Flow	19.69	13.52	15.99	15.50	30.56
Tangible Book Value Per Share	74.39	44.55	40.97	182.84	156.08
Shareholders’ Equity Per Share	153.72	135.81	131.29	121.11	124.95
Tax and Other Ratios
Effective Tax Rate	0.17	0.25	0.25	0.21	0.14
Revenue Per Share	1.05K	976.69	858.78	734.62	645.47
Net Income Per Share	10.71	10.01	20.09	22.20	22.79
Tax Burden	0.76	0.74	0.75	0.79	0.87
Interest Burden	0.83	0.68	0.83	0.87	0.86
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.58	2.44	1.60	1.64	0.77

Currency in USD