HUM - HUMANA INC

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue Growth YoY (%)	10.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+26%)	10.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+34%)	14.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+82%)	11.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+48%)	7.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	18.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+136%)	14.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+75%)	5.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	-1.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-114%)	0.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-98%)	11.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+49%)	17.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+117%)	5.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	6.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-22%)	9.6% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+20%)	8.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+6%)	7.0% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-13%)	14.5% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+81%)	—	—
EPS Growth YoY (%)	-1.4% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-50.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	26.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	65.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-27.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	312.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-51.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-4.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-11.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	31.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	5.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	60.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-22.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-1.6% Weak ↑ Weak Improving Year-over-year change in net income	-51.5% Weak ↓ Weak Declining Year-over-year change in net income	-11.3% Weak ↓ Weak Declining Year-over-year change in net income	-4.3% Weak ↓ Weak Declining Year-over-year change in net income	-12.9% Weak ↓ Weak Declining Year-over-year change in net income	24.4% Good ↓ Good Declining Year-over-year change in net income	60.8% Excellent ↓ Excellent Declining Year-over-year change in net income	-31.2% Weak ↓ Weak Declining Year-over-year change in net income	298.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-51.9% Weak ↓ Weak Declining Year-over-year change in net income	11.2% Fair ↑ Fair Improving Year-over-year change in net income	-6.8% Weak ↓ Weak Declining Year-over-year change in net income	0.7% Caution ↓ Caution Declining Year-over-year change in net income	-13.9% Weak ↓ Weak Declining Year-over-year change in net income	29.1% Excellent ↑ Excellent Improving Year-over-year change in net income	5.7% Fair ↓ Fair Declining Year-over-year change in net income	60.7% Excellent Excellent Year-over-year change in net income	-22.4% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	-84.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	-17.5% Weak ↓ Weak Declining Year-over-year change in free cash flow	-11.9% Weak ↓ Weak Declining Year-over-year change in free cash flow	271.2% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-79.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	4.2% Caution ↓ Caution Declining Year-over-year change in free cash flow	198.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-53.5% Weak ↓ Weak Declining Year-over-year change in free cash flow	158.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	308.6% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-67.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	-12.7% Weak → Weak Stable Year-over-year change in free cash flow	-13.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	-10.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	-13.0% Weak Weak Year-over-year change in free cash flow	63.0% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—
Revenue CAGR 3Y (%)	11.8% Good → Good Stable Compound annual revenue growth over 3 years	12.3% Good → Good Stable Compound annual revenue growth over 3 years	11.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	9.6% Fair → Fair Stable Compound annual revenue growth over 3 years	11.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.4% Fair Fair Compound annual revenue growth over 3 years	9.9% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.4% Fair Fair Compound annual revenue growth over 5 years	9.1% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-23.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-24.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-7.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	23.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	14.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	70.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	31.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-19.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.1% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-4.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	6.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	30.4% Excellent Excellent Compound annual EPS growth over 3 years	9.4% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Operating Margin (%) (%)	2.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	2.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	3.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	4.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	3.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	6.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	4.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	5.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	7.9% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	3.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	4.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	4.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	5.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	5.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	6.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	5.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	5.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	3.7% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	5.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	—
Effective Tax Rate (%) (%)	17.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.1% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	0.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-92%)	1.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	2.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	3.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	3.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	4.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	4.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	3.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	4.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	1.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	2.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	2.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	3.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	3.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	3.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	3.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	3.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	2.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	3.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	—
FCF Margin (%) (%)	0.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.0% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	3.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	1.1% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	6.1% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.0% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	2.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	6.6% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	2.6% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	0.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.2% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	3.1% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	3.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	4.7% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	6.0% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	4.0% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	2.5% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	3.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	0.32x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.98x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.20x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	1.23x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	0.32x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.39x Good → Good Stable Free cash flow relative to reported net income Optimal: > 1x	1.68x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.93x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.44x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	2.29x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.27x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.95x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.04x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.24x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.22x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.84x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.19x Fair → Fair Stable Free cash flow relative to reported net income Optimal: > 1x	1.11x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	1.18x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Return on Invested Capital (%)	7.4% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	6.9% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	11.3% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	12.3% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	10.1% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	59.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	14.6% Good → Good Stable Return earned on debt + equity capital invested Optimal: > 10%	17.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	17.8% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	9.5% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	13.1% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	13.9% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	13.7% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	13.9% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	19.0% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	17.0% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	18.1% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	13.3% Good Good Return earned on debt + equity capital invested Optimal: > 10%	26.6% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	5.5% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	5.5% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	8.5% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	8.8% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	7.1% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	14.3% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.0% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	12.2% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	15.7% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	6.9% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	9.5% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.0% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	9.9% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.1% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	13.2% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.5% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	12.1% Good Good Operating profit relative to total assets Optimal: > 10%	8.2% Fair Fair Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	15.3% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	18.3% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	18.2% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	—	22.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+50%)	16.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	24.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+66%)	5.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	12.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	11.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	13.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	13.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	17.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	15.9% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	18.0% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+20%)	14.5% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	20.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+38%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Debt to Equity (x)	0.70x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+17%)	0.68x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+13%)	0.63x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.59x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.66x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+9%)	—	0.41x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-31%)	0.60x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.50x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-17%)	0.38x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-36%)	0.40x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.40x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-34%)	0.28x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	0.30x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.21x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.24x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.29x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-52%)	0.43x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-28%)	—	—
Interest Coverage (x)	4.31x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	4.39x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	8.14x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	9.48x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	9.66x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	17.62x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	13.19x Excellent → Excellent Stable Operating income divided by interest expense Optimal: > 5x	14.22x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	17.61x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	9.21x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	12.62x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	12.30x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	14.72x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	19.20x Excellent → Excellent Stable Operating income divided by interest expense Optimal: > 5x	21.50x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	17.66x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	16.13x Excellent → Excellent Stable Operating income divided by interest expense Optimal: > 5x	13.37x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	19.72x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$8.17B	$8.92B	$5.52B	$3.97B	$7.15B	$1.39B	$913.00M	$3.73B	$878.00M	$215.00M	$1.52B	$1.89B	$1.46B	$1.30B	$282.00M	$-4.00M	$64.58M	$-33.39M	$-2.04B	$-1.74B
Debt / EBITDA (x)	3.56x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.21x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.10x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.99x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.78x Fair ↑ Fair Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.10x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.34x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.71x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.05x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.92x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.52x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.42x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.10x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.15x Good ↑ Good Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.64x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.80x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.87x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.81x Good Good Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue per Share (USD)	$1.08K	$976.69	$858.78	$734.62	$645.47	$583.63	$484.04	$413.95	$372.11	$364.04	$363.25	$314.55	$262.30	$242.29	$222.67	$200.24	$184.99	—	—	—
Basic EPS, GAAP (USD)	$9.87	$10.01	$20.09	$22.20	$22.79	$25.47	$20.20	$12.24	$16.94	$4.11	$8.54	$7.44	$7.81	$7.56	$8.58	$6.55	$6.21	$3.87	$5.00	—
Free Cash Flow per Share (USD)	$3.11	$19.83	$24.03	$27.29	$7.35	$35.36	$33.93	$11.35	$24.41	$9.43	$2.31	$7.07	$8.10	$9.37	$10.48	$12.04	$7.39	—	—	—
Dividend per Share (USD)	$3.54	$3.54	$3.44	$3.06	$2.73	$2.43	$0.55	$0.50	$1.49	$1.16	$1.15	$1.11	$1.07	$1.03	$0.75	—	—	—	—	—
Book Value per Share (USD)	$146.59	$135.81	$131.29	$121.11	$124.95	—	$89.79	$73.91	$68.11	$71.53	$69.22	$62.56	$59.15	$54.79	$48.74	$41.27	$34.51	—	—	—
Tangible Book Value per Share (USD)	$56.81	$43.97	$40.52	$34.84	$18.25	—	$60.49	$43.78	$43.84	$47.75	$44.99	$38.75	$31.05	$27.72	$29.55	$23.58	$22.60	—	—	—
Basic Weighted Avg Shares (shares)	120.45M	120.57M	123.87M	126.42M	128.69M	132.20M	134.06M	137.49M	144.49M	149.38M	149.46M	154.19M	157.50M	161.48M	165.41M	167.78M	167.36M	—	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	2.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	4.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	—	28.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	13.5% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	14.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	13.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	13.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	8.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Working Capital (USD)	$16.39B	$12.88B	$11.11B	$9.01B	$9.56B	$10.25B	$8.96B	$6.87B	$8.00B	$8.37B	$7.56B	$8.06B	$5.98B	$5.33B	$5.12B	$4.39B	$3.99B	$3.21B	—	—
LT Debt (USD)	$12.37B	$11.14B	$10.21B	$9.03B	$10.54B	$6.06B	$4.97B	$4.38B	$4.77B	$3.79B	$3.79B	$3.83B	$2.60B	$2.61B	$1.66B	$1.67B	$1.68B	$1.94B	—	—
Total Equity (USD)	$17.66B	$16.38B	$16.26B	$15.31B	$16.08B	—	$12.04B	$10.16B	$9.84B	$10.69B	$10.35B	$9.65B	$9.32B	$8.85B	$8.06B	$6.92B	$5.78B	$4.46B	$4.03B	$3.05B

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Sales/Revenue/Turnover (USD)	$129.66B	$117.76B	$106.37B	$92.87B	$83.06B	$77.16B	$64.89B	$56.91B	$53.77B	$54.38B	$54.29B	$48.50B	$41.31B	$39.13B	$36.83B	$33.60B	$30.96B	$28.95B	$25.29B	—
Depreciation Expense (USD)	$773.00M	$908.00M	$850.00M	$749.00M	$640.00M	$528.00M	$505.00M	$444.00M	$410.00M	$388.00M	$354.00M	$328.00M	$309.00M	$263.00M	$249.00M	$225.00M	$213.00M	—	—	—
Net Income, GAAP (USD)	$1.19B	$1.21B	$2.49B	$2.81B	$2.93B	$3.37B	$2.71B	$1.68B	$2.45B	$614.00M	$1.28B	$1.15B	$1.23B	$1.22B	$1.42B	$1.10B	$1.04B	$647.15M	$833.68M	—
Operating Cash Flow (USD)	$921.00M	$2.97B	$3.98B	$4.59B	$2.26B	$5.64B	$5.28B	$2.17B	$4.05B	$1.94B	$868.00M	$1.62B	$1.72B	$1.92B	$2.08B	$2.24B	$1.42B	$982.31M	$1.22B	—

HUMANA INC

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