HUM PEER ANALYSIS

Humana Inc — metric-by-metric comparison with peers and the industry median

HUMHumana Inc

🇺🇸 USA · US · Healthcare · Healthcare Plans

Value it Duel

Overall Profile & Returns

· Healthcare Plans

Position Within Industry

0 = weak quartile, 100 = strong quartile

HUMIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	HUM	SHL	BAYN	MRK	AZN	CSL	Ind. Median
P/E	42.13	18.92●	—	24.33	29.06	29.96	40.34
P/B	2.56	2.18	1.73●	2.07	6.38	2.24	2.74
EV/EBITDA	13.90	12.04	23.43	11.70	16.09	10.35●	17.96
P/S	0.35●	1.72	1.10	2.94	5.00	2.66	0.40

Financial Health
Metric	HUM	SHL	BAYN	MRK	AZN	CSL	Ind. Median
Current Ratio	1.26	1.10	1.06	1.51	0.91	2.57●	1.19
Debt/Equity	75.3%	84.1%	134.8%	40.5%●	71.7%	67.4%	75.2%
NetDebt/EBITDA	-2.80●	3.04	9.19	1.38	1.29	2.22	-1.10

Profitability
Metric	HUM	SHL	BAYN	MRK	AZN	CSL	Ind. Median
Net Margin	0.8%	9.1%	-4.8%	12.1%	17.2%●	9.2%	0.8%
ROE	6.2%	11.4%	-7.0%	8.5%	23.5%●	7.7%	9.2%
ROA	2.1%	4.6%	-2.0%	4.9%	9.4%●	3.8%	2.0%
EBITDA Margin	2.1%	19.1%	7.7%	28.5%	33.7%●	32.8%	2.4%

Growth + Dividend
Metric	HUM	SHL	BAYN	MRK	AZN	CSL	Ind. Median
Rev. Growth	14.1%●	-0.3%	-2.9%	-1.7%	9.9%	4.8%	9.6%
NI Growth	-33.9%	0.3%	—	-10.1%	33.7%●	-39.4%	-33.9%
Div. Yield	0.9%	2.9%●	0.2%	1.5%	0.2%	2.5%	2.1%
Payout	38.0%	48.4%	-5.9%	11.8%	47.3%	103.1%	38.0%

Valuation
Metric	HUM	CNC	CI	ELV	CVS	MOH	Ind. Median
P/E	42.13	—	12.04●	17.61	45.51	63.18	40.34
P/B	2.56	1.53●	1.79	2.10	1.72	2.91	2.74
EV/EBITDA	13.90	—	8.10●	9.94	17.96	10.65	17.96
P/S	0.35	0.17●	0.27	0.46	0.33	0.26	0.40

Financial Health
Metric	HUM	CNC	CI	ELV	CVS	MOH	Ind. Median
Current Ratio	1.26	1.12	0.82	1.48	0.87	1.63●	1.19
Debt/Equity	75.3%	76.4%	73.2%	72.5%●	101.1%	96.7%	75.2%
NetDebt/EBITDA	-2.80	1.66	1.89	-0.42	5.98	-8.60●	-1.10

Profitability
Metric	HUM	CNC	CI	ELV	CVS	MOH	Ind. Median
Net Margin	0.8%	-3.3%	2.3%	2.6%●	0.7%	0.4%	0.8%
ROE	6.2%	-26.1%	15.3%●	12.1%	3.8%	4.5%	9.2%
ROA	2.1%	-7.7%	4.1%	4.3%●	1.2%	1.1%	2.0%
EBITDA Margin	2.1%	-2.2%	4.4%	4.4%●	2.7%	1.4%	2.4%

Growth + Dividend
Metric	HUM	CNC	CI	ELV	CVS	MOH	Ind. Median
Rev. Growth	14.1%	17.0%●	8.8%	9.4%	7.6%	7.7%	9.6%
NI Growth	-33.9%	—	24.9%●	-11.4%	-44.5%	-84.0%	-33.9%
Div. Yield	0.9%	—	2.2%	1.7%	2.5%●	—	2.1%
Payout	38.0%	—	25.7%	29.0%	116.1%	—	38.0%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.