FirmAtlas
Company handbook · HUM · Prepared by FirmAtlas · firmatlas.app · printed 2026-10-17
HUM · CIK 49071 · LATEST FILING: 10-Q JUN '26 · FILED JUL 29, 2026
HUMANA INC.
$413.16
−19.04 (−4.41%)
Close, Oct 16, 2026 · 52-week $163–456
Last fiscal year
HUMANA INC. reported revenue of $5.8B for the year ended Dec 31, 2025 (FY25), up 31.6% from FY24. Net income was $1.2B. Source: 10-K filed Feb 19, 2026.
Market cap
$49.9B
P/E
44.2
P/B
2.7
Div yield
0.64%
Op. ROE
7.0%
Revenue 1Y
31.6%/yr
EPS 1Y
−1.4%/yr
Shares 1Y
−0.0%
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Median
Daily closes, split-adjusted · ratios at each fiscal year end
Company
CEOJames A. Rechtin
HQLouisville, KY
AuditorPricewaterhouseCoopers LLP
Employees67,060
Year endsDecember
Compounded growth & averages
10Y
5Y
3Y
TTM
Share price
9.2%
−1.3%
−7.6%
54.6%
Upgrade to see 10 years
Share price: yearly compound rate of the traded close; the last column is the past year.
Where the earnings went · FY24–FY25
$2.4B net income
Dividends
$861M
35.9%
Buybacks
$968M
40.4%
Retained
$566M
23.6%
Growth engines
How much of the profit growth came from new investment, and how much from running the business better.
Upgrade to see 10 years
Financials
Last 2 years · Upgrade to see 10 years · USD millions · each year opens its 10-K · change vs previous year
Last 4 quarters · USD millions · quarter-end month shown · change vs same quarter a year earlier
TTM = the last four quarters, to Mar '26. Balance-sheet rows show that latest quarter. “—” where the quarters do not add up to the annual figures. No TTM for cash: our quarterly rows do not hold short-term investments yet, and annual cash includes them.
Income
Net premiums earned
112,104
122,825+9.6%
—
Net investment income
1,226
1,006−17.9%
—
Total revenue
4,431
5,833+31.6%
6,176
YoY
+31.6%
Losses & loss adjustment expenses
100,664
110,812+10.1%
—
Pre-tax income
1,620
1,438−11.2%
—
Net income
1,207
1,188−1.6%
1,130
YoY
−1.6%
EPS (diluted, $)
9.98
9.84−1.4%
9.37
YoY
−1.4%
Balance sheet
Total assets
46,479
48,909+5.2%
55,280
Cash & short-term investments
20,435
19,903−2.6%
—
Other assets
26,044
29,006+11.4%
—
Total liabilities
30,104
31,252+3.8%
36,700
Loss & LAE reserves
10,440
9,967−4.5%
—
Other liabilities
19,664
21,285+8.2%
—
Shareholders’ equity
16,375
17,657+7.8%
18,580
Shares outstanding (M)
121
121−0.0%
—
Total liabilities = total assets − shareholders’ equity, so it includes minority interest where a company has one.
Cash flow statement · as filed
Cash from operations
2,966
921−68.9%
1,844
Net income
1,214
1,203−0.9%
—
Depreciation & amortization
839
698−16.8%
—
Stock-based compensation
207
241+16.4%
—
Working capital & other
706
(1,221)−272.9%
—
Cash from investing
(2,952)
2,273n/m
—
Capex
(575)
(546)n/m
—
PP&E sold
7
23+228.6%
—
Acquisitions
(89)
(81)n/m
—
Investments bought
(8,185)
(6,440)n/m
—
Investments sold / matured
2,982
2,912−2.3%
—
Other investing
2,908
6,405+120.3%
—
Cash from financing
(2,487)
(1,215)n/m
—
Debt raised
2,232
1,481−33.6%
—
Debt repaid
(1,107)
(948)n/m
—
Dividends
(431)
(430)n/m
—
Buybacks
(817)
(151)n/m
—
Shares issued
0.3
0−100.0%
—
Other financing
(2,364)
(1,167)n/m
—
Net change in cash
(2,473)
1,979n/m
—
Free cash flow (OCF − capex)
2,391
375−84.3%
1,272
Where the earnings went
Income
Jun '25
Sep '25
Dec '25
Mar '26
Revenue
1,400
1,600
1,499
1,677
vs year-ago quarter
Operating income
1,098
400
(808)
1,754
Net income
545
195
(796)
1,186
vs year-ago quarter
Net margin
38.9%
12.2%
−53.1%
70.7%
EPS (diluted, $)
4.51
1.62
−6.59
9.83
vs year-ago quarter
Balance sheet
Jun '25
Sep '25
Dec '25
Mar '26
Total assets
50,357
49,719
48,909
55,280
Cash & equivalents
4,040
5,388
19,903
4,951
Total debt
12,586
12,607
12,369
12,274
Shareholders’ equity
18,234
18,522
17,657
18,580
Cash flow
Jun '25
Sep '25
Dec '25
Mar '26
Operating cash flow
1,271
971
(1,652)
1,254
Capex
114
135
202
121
Free cash flow
1,157
836
(1,854)
1,133
vs year-ago quarter