Value Sense
HUM
Humana Inc. (HUM)
Last Price$261.5(3.3%)
Market Cap$31.5B
EV/EBITDA LTM
5.2x
5Y avg
10.5x
Medical - Healthcare Plans industry median
6.7x
Stock quality & Intrinsic value
6/10
2.1% undervalued
HUM
is 205.0% undervalued
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Humana Inc. EV/EBITDA LTM

Annual
Quarterly
Daily
Crunching data... Almost there!
Dec'05Dec'06Dec'07Dec'08Dec'09Dec'10Dec'11Dec'12Dec'13Dec'14Dec'15Dec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24
EV/EBITDA LTM
11.6x
7.7x
5.8x
2.0x
1.1x
0.4x
1.8x
1.4x
7.5x
10.2x
9.7x
10.1x
8.1x
13.7x
12.1x
8.4x
17.3x
10.5x
7.3x
5.2x
HUM
Key metrics and insights to make informed decisions.
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Humana Inc. (HUM) EV/EBITDA LTM comparison analysis

General

LTM EV/EBITDA LTM

OTHER METRICS

Company name

Revenue growth

EPS growth

Net Income margin

Humana Inc. logo
Humana Inc.HUM
6.7x
10.7%
(50.1%)
1.0%
Median Peer Set
8.3x
8.4%
(4.8%)
2.0%
Oscar Health, Inc. logo
Oscar Health, Inc.OSCR
20.8x
56.5%
N/A
0.3%
UnitedHealth Group Incorporated logo
UnitedHealth Group IncorporatedUNH
17.3x
8.9%
(35.7%)
3.6%
CVS Health Corporation logo
CVS Health CorporationCVS
11.3x
4.2%
(43.6%)
1.2%
Cigna Corporation logo
Cigna CorporationCI
9.8x
8.4%
(18.9%)
2.6%
Molina Healthcare, Inc. logo
Molina Healthcare, Inc.MOH
8.3x
19.3%
9.2%
2.9%
Centene Corporation logo
Centene CorporationCNC
5.6x
5.9%
27.4%
2.0%
Elevance Health Inc. logo
Elevance Health Inc.ELV
1.9x
3.2%
(0.0%)
3.4%
Alignment Healthcare, Inc. logo
Alignment Healthcare, Inc.ALHC
(34.6x)
27.2%
(4.8%)
(8.1%)
Clover Health Investments, Corp. logo
Clover Health Investments, Corp.CLOV
(37.5x)
(41.5%)
(31.3%)
(10.5%)

HUM key stats

USD
Millions
Billions
Annual
Quarterly
Trailing
Key stats
Income statement
Balance sheet
Cash Flow Statement
Valuation
Ratios
Per share
Per employee
Dividends & Yields
Dec'05Dec'06Dec'07Dec'08Dec'09Dec'10Dec'11Dec'12Dec'13Dec'14Dec'15Dec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24
Revenue
% growth
14,418.1
10.0%
21,416.5
48.5%
25,290.0
18.1%
28,946.4
14.5%
30,960.4
7.0%
33,868.2
9.4%
36,832.0
8.8%
39,126.0
6.2%
41,313.0
5.6%
48,500.0
17.4%
54,289.0
11.9%
54,379.0
0.2%
53,767.0
(1.1%)
56,912.0
5.8%
64,888.0
14.0%
77,155.0
18.9%
83,064.0
7.7%
92,870.0
11.8%
106,374.0
14.5%
117,761.0
10.7%
Cost of Goods Sold (COGS)0.00.00.00.00.00.05,395.05,830.06,355.07,639.07,318.07,277.06,567.07,525.07,381.010,052.010,121.012,671.013,188.00.0
Gross Profit
% margin
14,418.1
100.0%
21,416.5
100.0%
25,290.0
100.0%
28,946.4
100.0%
30,960.4
100.0%
33,868.2
100.0%
31,437.0
85.4%
33,296.0
85.1%
34,958.0
84.6%
40,861.0
84.2%
46,971.0
86.5%
47,102.0
86.6%
47,200.0
87.8%
49,387.0
86.8%
57,507.0
88.6%
67,103.0
87.0%
72,943.0
87.8%
80,199.0
86.4%
93,186.0
87.6%
117,761.0
100.0%
Operating Expenses13,976.020,591.023,932.027,873.029,035.031,742.034,488.037,110.039,252.046,138.051,672.052,638.049,505.054,620.061,176.072,198.079,319.089,070.0102,361.0115,199.0
Research & Development Expenses (R&D)0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Selling, General & Administrative Expenses (SG&A)2,176.83,021.53,476.53,944.74,227.54,662.85,395.05,830.06,355.07,639.07,295.07,173.06,419.07,525.07,381.010,052.010,121.012,198.00.00.0
Operating Income
% margin
421.7
2.9%
762.1
3.6%
1,289.3
5.1%
992.8
3.4%
1,601.8
5.2%
1,749.6
5.2%
2,235.0
6.1%
2,016.0
5.2%
2,061.0
5.0%
2,362.0
4.9%
2,617.0
4.8%
1,741.0
3.2%
4,262.0
7.9%
2,292.0
4.0%
3,712.0
5.7%
4,957.0
6.4%
3,745.0
4.5%
3,800.0
4.1%
4,013.0
3.8%
2,562.0
2.2%
Interest Income0.00.00.00.00.00.10.0105.0140.0192.0186.0189.0242.0218.0242.0283.0326.0401.00.00.0
Interest Expense39.363.168.980.3105.8105.1109.0105.0140.0192.0186.0189.0242.0218.0242.0283.0326.0401.0493.0660.0
Pre-tax Income421.7762.11,289.3992.81,601.81,749.62,235.01,911.01,921.02,170.02,431.01,552.04,020.02,063.03,456.04,600.03,354.03,568.03,383.01,721.0
Income Tax
% effective tax rate
113.2
26.9%
274.7
36.0%
455.6
35.3%
345.7
34.8%
562.1
35.1%
650.2
37.2%
816.0
36.5%
689.0
36.1%
690.0
35.9%
1,023.0
47.1%
1,155.0
47.5%
938.0
60.4%
1,572.0
39.1%
391.0
19.0%
763.0
22.1%
1,307.0
28.4%
485.0
14.5%
762.0
21.4%
836.0
24.7%
413.0
24.0%
Net Income
% margin
308.5
2.1%
487.4
2.3%
833.7
3.3%
647.2
2.2%
1,039.7
3.4%
1,099.4
3.2%
1,419.0
3.9%
1,222.0
3.1%
1,231.0
3.0%
1,147.0
2.4%
1,276.0
2.4%
614.0
1.1%
2,448.0
4.6%
1,683.0
3.0%
2,707.0
4.2%
3,367.0
4.4%
2,933.0
3.5%
2,806.0
3.0%
2,489.0
2.3%
1,207.0
1.0%
EPS1.912.975.003.876.216.558.587.567.817.448.544.1116.9412.2420.2025.4722.7922.2020.0910.02
Diluted EPS1.872.904.913.836.156.478.467.477.737.368.444.0716.8112.1620.1025.3122.6722.0820.009.99
EBITDA
% margin
550.6
3.8%
910.7
4.3%
1,474.1
5.8%
1,293.5
4.5%
1,852.0
6.0%
2,117.5
6.3%
2,538.0
6.9%
2,354.0
6.0%
2,487.0
6.0%
2,811.0
5.8%
3,064.0
5.6%
2,206.0
4.1%
4,747.0
8.8%
2,848.0
5.0%
4,170.0
6.4%
5,446.0
7.1%
4,340.0
5.2%
4,678.0
5.0%
4,930.0
4.6%
3,119.0
2.6%

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FAQ

1) What is Humana Inc.'s EV/EBITDA LTM?

As of today, Microsoft Corp's last 12-month EV/EBITDA LTM is 5.2x, based on the financial report for Dec 30, 2024 (Q4’2024). The average annual EV/EBITDA LTM for Humana Inc. have been 10.4x over the past three years, and 11.0x over the past five years.

2) Is Humana Inc.'s EV/EBITDA LTM Good?

As of today, Humana Inc.'s EV/EBITDA LTM is 5.2x, which is lower than industry median of 6.7x. It indicates that Humana Inc.'s EV/EBITDA LTM is Good.

3) How does Humana Inc.'s EV/EBITDA LTM compare to its peers?

As of today, Humana Inc.'s EV/EBITDA LTM is 5.2x, which is lower than peer median of 8.3x. The list of peers includes OSCR, UNH, CVS, CI, MOH, CNC, ELV, ALHC, CLOV.