Humana AB (HUM) AI Stock Analysis

• Market Cap: kr2.10B
• Dividend Yield: 2.47%
• Average Volume (3M): 146.63K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.56
• Revenue Growth: 6.74%
• EPS Growth: 75.70%
• Country: SE
• Employees: 11,127
• Sector: Healthcare
• Sector Strength: 52
• Industry: Medical - Care Facilities
• EPS (TTM): 0.34
• Shares Outstanding: 51,826,057
• 10 Day Avg. Volume: 100,991
• 30 Day Avg. Volume: 146,632
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: kr41.08
• Price Target Upside: 1.30% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 70 Neutral
• Price Target: kr41.00 ▲(1.11% Upside)

Humana AB's overall score is driven by stable financial performance and attractive valuation. The company's strong cash flow and efficient cost management are significant strengths, while high leverage and declining revenue growth are notable risks. Technical indicators suggest a positive short-term outlook, supporting the stock's potential for appreciation.

Humana AB Business Overview & Revenue Model

Company Description

Humana AB (publ) provides individual and family care services for children and adults in Sweden, Finland, Norway, and Denmark. It operates through five segments: Individual & Family, Personal Assistance, Elderly Care, Finland, and Norway segments. The Individual & Family segment provides care and treatment for psychosocial disorders, mental illness, and functional impairment; residential care homes; interim and regular family-based care services; special service housing; outpatient care services; assisted living homes; and specially adapted housing for individuals with functional impairments and special education schools. The Personal Assistance segment offers care services and assistance to individuals with functional impairments. The Elderly Care segment provides elderly care home services. The Finland segment offers individual and family care for children, young people and families with psychiatric diagnoses or psychosocial disorders; special service housing for individuals with functional impairments; elderly care homes; and elderly day care services. The Norway segment provides individual and family care, personal assistance, and special service housing for individuals with functional impairments. The company was founded in 2001 and is headquartered in Stockholm, Sweden.

How the Company Makes Money

Humana AB generates revenue primarily through the provision of care services across its key sectors: individual and family care, personal assistance, and elderly care. The company's revenue streams include government contracts, private pay clients, and partnerships with local municipalities who require outsourced care services. Additionally, Humana AB leverages its extensive network of facilities and trained staff to deliver personalized care, ensuring a steady flow of income from long-term care agreements and service fees. Strategic partnerships with healthcare providers and continuous investment in service innovation further contribute to the company's earnings.

Humana AB Financial Statement Overview

Summary

Humana AB demonstrates stable financial health with strong cash flow generation and efficient cost management. However, high leverage and declining revenue growth are areas of concern. The company should focus on improving profitability and reducing debt to enhance financial stability.

Income Statement

Humana AB's income statement shows mixed results. The TTM gross profit margin is strong at 34.7%, indicating efficient cost management. However, the net profit margin is low at 2.04%, suggesting limited profitability. Revenue growth has declined by 25.9% in the TTM, which is a concern. EBIT and EBITDA margins are moderate, reflecting stable operational efficiency but with room for improvement.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio of 1.58, indicating significant leverage which could pose financial risks. Return on equity is modest at 6.77%, showing average profitability from shareholders' investments. The equity ratio is not explicitly calculated but suggests a balanced asset structure.

Cash Flow

Cash flow analysis is positive with a 19.88% growth in free cash flow, indicating strong cash generation capabilities. The operating cash flow to net income ratio is 0.39, showing good cash conversion. The free cash flow to net income ratio of 0.85 suggests efficient cash utilization relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	10.39B	10.29B	9.65B	9.20B	8.19B	7.77B
Gross Profit	3.61B	896.00M	757.00M	9.14B	8.13B	7.39B
EBITDA	1.13B	1.05B	457.00M	901.00M	892.00M	842.00M
Net Income	212.00M	144.00M	176.00M	210.00M	276.00M	262.00M
Balance Sheet
Total Assets	10.01B	10.63B	10.03B	9.81B	9.00B	8.04B
Cash, Cash Equivalents and Short-Term Investments	645.00M	583.00M	675.00M	690.00M	695.00M	759.00M
Total Debt	4.87B	5.15B	5.02B	5.40B	4.92B	4.27B
Total Liabilities	6.78B	7.33B	7.10B	7.07B	6.45B	5.69B
Stockholders Equity	3.09B	3.16B	2.89B	2.74B	2.55B	2.35B
Cash Flow
Free Cash Flow	808.00M	869.00M	451.00M	442.00M	582.00M	528.00M
Operating Cash Flow	951.00M	869.00M	621.00M	633.00M	689.00M	661.00M
Investing Cash Flow	11.00M	-532.00M	-151.00M	-246.00M	-260.00M	-37.00M
Financing Cash Flow	-690.00M	-434.00M	-457.00M	-424.00M	-521.00M	-667.00M

Humana AB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 40.55
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 Positive. The current price of 40.55 is below the 20-day moving average (MA) of 40.59, above the 50-day MA of 38.36, and above the 200-day MA of 38.39, indicating a bullish trend. The MACD of 0.63 indicates Positive momentum. The RSI at 55.96 is Neutral, neither overbought nor oversold. The STOCH value of 26.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:HUM.

Humana AB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
STIL	75 Outperform	kr2.07B	39.58		―	26.06%	-6.03%
HUM	70 Neutral	kr2.10B	9.87	6.86%	2.47%	6.74%	75.70%
ATT	65 Neutral	kr10.31B	18.67		1.74%	5.75%	48.97%
Sector *	51 Neutral	$7.95B	-0.38	-43.43%	2.22%	22.30%	-1.83%
6MA	―	€912.16M	17.30	12.76%	―	―	―
6XP	―	€178.99M	―	-41.54%	―	―	―
CARA	―	kr1.97B	―		―	―	―

Humana AB Corporate Events

Humana AB Announces Share Repurchase Plan to Strengthen Capital Structure

Humana AB has announced a decision to repurchase up to 1,500,000 of its own shares, as authorized by the 2025 annual general meeting. This move aims to enhance the company’s capital structure and provide flexibility for potential future acquisitions, with repurchases occurring on Nasdaq Stockholm before the 2026 annual meeting. The repurchase will be conducted in cash within the stock market price interval, and the company currently holds 1,985,273 of its own shares out of a total of 51,826,058.

The most recent analyst rating on (SE:HUM) stock is a Buy with a SEK42.00 price target. To see the full list of analyst forecasts on Humana AB stock, see the SE:HUM Stock Forecast page.

Humana AB Reports Strong Half-Year Results and Strategic Financial Moves

Humana AB reported its second quarter and half-year 2025 results, highlighting a net revenue of SEK 2,506 million for the quarter and SEK 5,039 million for the half-year. The company experienced a slight decline in organic growth but improved its net profit after tax and free cash flow. Significant events included a share buyback program and a new loan agreement aimed at reducing interest expenses, which positions the company for future growth and profitability.

The most recent analyst rating on (SE:HUM) stock is a Buy with a SEK50.00 price target. To see the full list of analyst forecasts on Humana AB stock, see the SE:HUM Stock Forecast page.

Humana AB Reduces Financing Costs with New Loan Agreement

Humana AB has signed a new long-term loan agreement to refinance existing loans, amounting to approximately SEK 2.3 billion. This new loan structure, involving a larger proportion of revolving variable credits and lower interest margins, is expected to reduce the company’s annual net interest income by SEK 35 million. The agreement, which includes options for extension and expansion, allows Humana to efficiently manage its cash flow and liquidity, reflecting a strengthened financial position. The new financing will replace the current loan, positioning Humana to continue its operations effectively.

The most recent analyst rating on (SE:HUM) stock is a Buy with a SEK42.00 price target. To see the full list of analyst forecasts on Humana AB stock, see the SE:HUM Stock Forecast page.

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.