Humana AB (HUM) AI Stock Analysis

• Market Cap: kr2.43B
• Dividend Yield: 2.15%
• Average Volume (3M): 120.62K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 0.70
• Revenue Growth: 2.11%
• EPS Growth: 92.69%
• Country: SE
• Employees: 11,127
• Sector: Healthcare
• Sector Strength: 45
• Industry: Medical - Care Facilities
• EPS (TTM): 2.42
• Shares Outstanding: 51,826,057
• 10 Day Avg. Volume: 123,370
• 30 Day Avg. Volume: 120,620
• PEG Ratio: -0.56
• Price to Book (P/B): 0.57
• Price to Sales (P/S): 0.17
• P/FCF Ratio: 2.06
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 4.94
• Revenue Forecast (FY): kr10.13B

• Rating: 69 Neutral
• Price Target: kr50.00 ▲(20.63% Upside)

Humana AB's overall stock score is driven by stable financial performance and a reasonable valuation. The stock's positive technical momentum is a strength, although overbought signals suggest caution. High leverage and declining revenue growth are notable risks that could impact future performance.

Humana AB Business Overview & Revenue Model

Company Description

Humana AB (HUM) is a leading healthcare company based in Sweden, primarily focused on providing health insurance and related services. The company operates in the health and wellness sector, offering a range of products including individual and group health insurance plans, as well as supplementary health services. Humana's core mission is to promote health and well-being among its members, providing them with access to quality healthcare solutions tailored to their needs.

How the Company Makes Money

Humana AB generates revenue primarily through its health insurance offerings, which include premiums collected from policyholders for various health plans. Additionally, the company earns revenue from government contracts, particularly in the areas of public health and social care. Key revenue streams include individual and group insurance plans, long-term care services, and consultancy services related to health and wellness. The company has formed strategic partnerships with healthcare providers and other stakeholders in the health sector, which help enhance its service offerings and improve operational efficiencies, ultimately contributing to its 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	1.00B	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: 41.45
• 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 41.45 is below the 20-day moving average (MA) of 47.08, below the 50-day MA of 44.11, and above the 200-day MA of 40.79, indicating a neutral trend. The MACD of 0.63 indicates Positive momentum. The RSI at 58.47 is Neutral, neither overbought nor oversold. The STOCH value of 49.73 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
ATT	72 Outperform	kr12.09B	18.24	―	1.47%	2.96%	73.50%
HUM	69 Neutral	kr2.43B	9.97	7.53%	2.15%	2.11%	92.69%
STIL	66 Neutral	kr1.59B	39.25	―	―	13.36%	-20.56%
AMBEA	65 Neutral	€9.92B	16.84	13.39%	1.63%	10.83%	16.24%
Sector *	51 Neutral	$7.86B	-0.30	-43.30%	2.27%	22.53%	-2.21%
XSPRAY	47 Neutral	€1.04B	-3.56	-35.03%	―	―	25.14%

Humana AB Corporate Events

Humana AB’s Climate Targets Validated by SBTi

Humana AB has had its climate targets validated by the Science Based Targets initiative, aligning with the Paris Agreement to limit global warming. The company aims to reduce its greenhouse gas emissions significantly by 2030 and achieve net-zero emissions by 2050. This validation marks a significant milestone for Humana, reinforcing its commitment to sustainability and setting a precedent for other companies in the industry.

The most recent analyst rating on (SE:HUM) stock is a Hold with a SEK41.00 price target. To see the full list of analyst forecasts on Humana AB stock, see the SE:HUM Stock Forecast page.

Humana AB Forms Nomination Committee for 2026 AGM

Humana AB has announced the formation of its Nomination Committee for the 2026 Annual General Meeting, comprising representatives from its four principal shareholders and the Chairman of the Board. This committee is tasked with preparing proposals for the AGM regarding board composition, remuneration, and other governance matters, reflecting Humana’s commitment to structured corporate governance and stakeholder engagement.

The most recent analyst rating on (SE:HUM) stock is a Hold with a SEK41.00 price target. To see the full list of analyst forecasts on Humana AB stock, see the SE:HUM Stock Forecast page.