Humana AB (HUM) AI Stock Analysis

• Market Cap: kr1.93B
• Dividend Yield: 2.63%
• Average Volume (3M): 113.80K
• Price to Earnings (P/E): 9.7
• Beta (1Y): 0.15
• Revenue Growth: 8.43%
• EPS Growth: 24.08%
• Country: SE
• Employees: 11,127
• Sector: Healthcare
• Sector Strength: 42
• Industry: Medical - Care Facilities
• EPS (TTM): 1.42
• Shares Outstanding: 51,826,057
• 10 Day Avg. Volume: 101,681
• 30 Day Avg. Volume: 113,801
• PEG Ratio: 0.30
• Price to Book (P/B): 0.67
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 3.16
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: kr44.98
• Price Target Upside: 22.89% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 68 Neutral
• Price Target: ―

Humana AB's solid financial performance and attractive valuation are key strengths, with the company showing robust revenue growth and profitability. However, technical indicators suggest potential short-term bearish momentum, which might concern investors looking for immediate gains. The overall score reflects a sound financial foundation and undervaluation, tempered by caution in technical trends.

Humana AB Business Overview & Revenue Model

Company Description

Humana AB (HUM) is a leading Nordic care company that provides individualized and high-quality care services to the elderly, individuals with disabilities, and children and adolescents in need. The company operates across several segments including Personal Assistance, Individual & Family, and Elderly Care, delivering tailored solutions that enhance the quality of life for its clients. Humana is committed to offering services that promote inclusion, empowerment, and independence.

How the Company Makes Money

Humana AB generates revenue primarily through government contracts and private pay services in the healthcare and social care sectors. The company's key revenue streams include fees for personal assistance services, residential care for children and adolescents, and elderly care services. Government funding and subsidies play a significant role in the company's earnings, given its alignment with public health and social welfare objectives. Additionally, Humana may engage in partnerships with municipalities and other care institutions to expand its service offerings and reach. The company's focus on quality care and compliance with regulatory standards ensures continued demand for its services in the Nordic region.

Humana AB Financial Statement Overview

Summary

Humana AB demonstrates solid financial health with strong revenue growth and profitability. The company's operational efficiency is evident from its healthy margins and cash flow generation. While the balance sheet shows manageable leverage, increasing liabilities could pose future risks. Overall, the financial outlook is positive, with some areas needing attention for sustained stability.

Income Statement

Humana AB's revenue has shown consistent growth over the years, with a notable increase from 2022 to 2023. The net profit margin is solid, indicating effective cost management. However, the gross profit margin has declined, suggesting rising costs or pricing pressures. The EBIT and EBITDA margins are robust, reflecting strong operational performance.

Balance Sheet

The company's balance sheet demonstrates a moderate debt-to-equity ratio, indicating manageable leverage. The equity ratio is stable, although there is room for improvement. Return on equity is decent, showing effective use of equity to generate profits. However, total liabilities have increased over time, which could pose a risk if not managed carefully.

Cash Flow

Humana AB exhibits strong operating cash flow, consistently outpacing net income, which highlights robust cash generation capabilities. Free cash flow has grown, indicating effective capital investment strategies. However, the high capital expenditures in recent periods warrant monitoring.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
10.42B	10.29B	9.65B	9.20B	8.19B	7.77B
	Gross Profit
534.00M	896.00M	757.00M	9.14B	8.13B	7.39B
	EBIT
528.00M	467.00M	378.00M	439.00M	493.00M	471.00M
	EBITDA
1.14B	1.05B	457.00M	901.00M	892.00M	842.00M
	Net Income Common Stockholders
197.00M	144.00M	176.00M	210.00M	276.00M	262.00M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
658.00M	583.00M	675.00M	690.00M	695.00M	759.00M
	Total Assets
10.20B	10.63B	10.03B	9.81B	9.00B	8.04B
	Total Debt
5.08B	5.15B	5.02B	5.40B	4.92B	4.27B
	Net Debt
4.42B	4.57B	4.34B	4.71B	4.23B	3.51B
	Total Liabilities
6.92B	7.33B	7.10B	7.07B	6.45B	5.69B
	Stockholders Equity
3.15B	3.16B	2.89B	2.74B	2.55B	2.35B
Cash Flow		Free Cash Flow
674.00M	869.00M	451.00M	442.00M	582.00M	528.00M
	Operating Cash Flow
900.00M	869.00M	621.00M	633.00M	689.00M	661.00M
	Investing Cash Flow
-223.00M	-532.00M	-151.00M	-246.00M	-260.00M	-37.00M
	Financing Cash Flow
-608.00M	-434.00M	-457.00M	-424.00M	-521.00M	-667.00M

Humana AB Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 36.60
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:HUM, the sentiment is Neutral. The current price of 36.6 is below the 20-day moving average (MA) of 36.81, below the 50-day MA of 39.29, and below the 200-day MA of 37.23, indicating a neutral trend. The MACD of -0.77 indicates Negative momentum. The RSI at 46.74 is Neutral, neither overbought nor oversold. The STOCH value of 43.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SE:HUM.

Humana AB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AMBEA	72 Outperform	kr8.89B	15.17	12.49%	1.92%	5.86%	33.17%
HUM	68 Neutral	kr1.93B	9.74	6.38%	2.63%	8.43%	24.08%
CAT.B	55 Neutral	€2.73B	96.88	-9.35%	2.86%	-2.63%	-1491.39%
Sector *	54 Neutral	$5.31B	3.29	-45.39%	2.79%	16.77%	-0.07%
FLERIE	52 Neutral	kr3.56B	0.30	-15.21%	―	-75.91%	―

Humana AB Corporate Events

Humana AB Completes Share Repurchase Program

Humana AB has completed a share repurchase program, buying back a total of 985,273 shares as part of a strategy to improve its capital structure. This buy-back, conducted on Nasdaq Stockholm, reflects Humana’s commitment to optimizing shareholder value and aligns with regulatory standards, potentially impacting its market positioning and stakeholder interests.

Humana AB AGM Approves Key Resolutions and Strategic Authorizations

During its Annual General Meeting, Humana AB approved several key resolutions, including the adoption of financial statements for 2024, a dividend payout of SEK 1.00 per share, and the re-election of board members. The company also authorized the board to issue new shares and manage the acquisition and transfer of its own shares, aiming to enhance capital structure and flexibility for future acquisitions.

Humana AB Advances Share Buy-Back Program

Humana AB has repurchased 133,586 of its own shares as part of a buy-back program aimed at improving its capital structure. This initiative, which allows for the repurchase of up to 1,000,000 shares, is conducted in compliance with EU regulations and reflects the company’s strategic focus on enhancing shareholder value.