Also trades as: 0J6Z.L (LSE) · $vol 0M
HUM NYSE
Humana Inc.
1W: -2.9%
1M: +6.5%
3M: +13.5%
YTD: +56.9%
1Y: +42.7%
3Y: -18.5%
5Y: -2.5%
$414.85
-2.37 (-0.57%)
Weekly Expected Move ±7.5%
$359
$391
$422
$454
$485
Credit Risk of going bust: higher than 55% of companies Debt: 22.2% of company value Bonds: $472.8M held by 522 funds, 111 bp over Treasuries → details ▾
Of US companies ranked in the middle of the pack, about 1 in 580 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $12.43 (down 97%), Humana Inc. would be worth roughly what it owes.
Total debt $14.25B against a stock market value of $49.82B.
Distance to default 4.64 (Merton model): prices to 2026-10-27, balance sheet 2026-06-30, debt counted $8.26B (short-term plus half of long-term), stock volatility 47.5%; Altman Z'' 4.52. A ranking and a back-test, not a forecast.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
If the stock fell to about $12.43 (down 97%), Humana Inc. would be worth roughly what it owes.
Total debt $14.25B against a stock market value of $49.82B.
Distance to default 4.64 (Merton model): prices to 2026-10-27, balance sheet 2026-06-30, debt counted $8.26B (short-term plus half of long-term), stock volatility 47.5%; Altman Z'' 4.52. A ranking and a back-test, not a forecast.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
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Revenue by Segment (5-Year Trend)
Income Trends
Revenue
$129.7B
+10.1% ▲
5Y CAGR: +10.9%
Gross Profit
$18.9B
+9.9% ▲
5Y CAGR: -24.6%
Operating Income
$1.5B
-10.7% ▼
5Y CAGR: -20.6%
Net Income
$1.2B
-1.6% ▼
5Y CAGR: -18.8%
EPS (Diluted)
$9.84
-1.4% ▼
5Y CAGR: -17.2%
EBITDA
$2.9B
-10.7% ▼
5Y CAGR: -12.0%
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $83.1B | $92.9B | $106.4B | $117.8B | $129.7B |
| YoY Growth | +7.7% | +11.8% | +14.5% | +10.7% | +10.1% |
| Cost of Revenue | $0 | $0 | $0 | $0 | $110.8B |
| Gross Profit | $83.1B | $92.9B | $106.4B | $117.8B | $18.9B |
| Gross Margin | 100.0% | 100.0% | 100.0% | 100.0% | 14.5% |
| R&D Expenses | $0 | $0 | $0 | $0 | $0 |
| SG&A Expenses | $0 | $0 | $0 | $0 | $0 |
| Operating Expenses | $79.7B | $89.3B | $103.0B | $116.0B | $17.4B |
| Operating Income | $3.4B | $3.6B | $3.4B | $1.7B | $1.5B |
| Operating Margin | 4.0% | 3.8% | 3.2% | 1.5% | 1.1% |
| Interest Expense | $326M | $401M | $493M | $660M | $631M |
| Income Before Tax | $3.4B | $3.6B | $3.3B | $1.6B | $1.5B |
| Tax Expense | $485M | $762M | $836M | $413M | $250M |
| Net Income | $2.9B | $2.8B | $2.5B | $1.2B | $1.2B |
| Net Margin | 3.5% | 3.0% | 2.3% | 1.0% | 0.9% |
| EPS (Diluted) | $22.67 | $22.08 | $20.00 | $9.98 | $9.84 |
| EBITDA | $4.4B | $4.8B | $4.8B | $3.3B | $2.9B |
| Shares Outstanding | 129M | 127M | 124M | 121M | 121M |