What is HUM's Value Score?

Humana Inc. (HUM) has a StockPik Value Score of 93 out of 100 — a high score, indicating strong value characteristics across multiple metrics. The Value Score is a composite ranking built from P/E ratio, P/B ratio, Graham Number, ROE, gross margin, debt-to-equity, current ratio, and Piotroski F-Score, calculated from SEC EDGAR annual filing data.

What is HUM's Piotroski F-Score?

Humana Inc. (HUM) has a Piotroski F-Score of 5 out of 9 — a moderate score. The F-Score assesses nine binary financial criteria across profitability, leverage, and operating efficiency. A score of 7–9 indicates a financially improving company; a score of 0–3 is a warning sign.

Is HUM trading below its Graham Number?

HUM is currently trading below its Graham Number. The stock price of $170.42 is 34.3% below the Graham Number of $259.44, representing a margin of safety by Benjamin Graham's definition. The Graham Number is calculated as √(22.5 × EPS × Book Value Per Share) and represents Benjamin Graham's ceiling price for a defensive investor.

What is HUM's Graham Number?

HUM's Graham Number is $259.44, calculated using the Benjamin Graham formula √(22.5 × EPS × Book Value per Share). The Graham Number is an estimate of intrinsic value — the maximum price a defensive investor should pay. At the current price of $170.42, HUM is trading 34% below its Graham Number.

What is HUM's Piotroski F-Score?

HUM's Piotroski F-Score is 5 out of 9, indicating moderate financial health. The Piotroski F-Score evaluates nine criteria across profitability, leverage, and operating efficiency. Scores of 7 or above are considered strong; 3 or below indicate financial weakness.

Is HUM (Humana Inc.) undervalued?

HUM scores 93/100 on StockPik's Value Score, placing it in undervalued territory. The stock trades 34% below its Graham Number of $259.44.

What is HUM's P/E ratio?

HUM's trailing P/E ratio is 8.3x — a low earnings multiple, suggesting the stock may be undervalued relative to its earnings. The Financial Services sector average P/E is 18.1x. Compare against other Financial Services stocks in the StockPik screener.

Does Humana Inc. (HUM) pay a dividend?

Yes, HUM currently pays a dividend yield of 2.1%. View the full dividend and value analysis on StockPik.

What sector is Humana Inc. (HUM) in?

Humana Inc. (HUM) is in the Financial Services sector, specifically in the Hospital & Medical Service Plans industry. Compare it against other Financial Services stocks by Value Score, P/E ratio, and Piotroski F-Score on StockPik.

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Humana Inc. (HUM)

NYSE Large Cap

Financial Services › Hospital & Medical Service Plans

$170.42

Market Cap: $20.6B

Data as of Sep 30, 2025 (TTM)

Price History

Feb 9, 2026 — Apr 4, 2026

Investment Snapshot

Trading 34% below Graham Number ($259.44) — significant margin of safety
Piotroski F-Score 5/9 — moderate financial health
ROE of 14.0% — below-average profitability
Revenue growing at 10% annually

Humana Inc. (HUM) is a Financial Services company operating in Hospital & Medical Service Plans, listed on the NYSE , with a market capitalisation of $20.6 billion . Key value metrics: P/E ratio 8.3, P/B ratio 1.16, Piotroski F-Score 5 out of 9 (moderate financial health) .

Value Score

out of 100

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Key Metrics

P/E Ratio

8.34

P/B Ratio

1.16

EPS

$20.43

Div. Yield

2.1%

PEG Ratio

—

P/S Ratio

—

EV/EBITDA

—

ROE

—

ROA

—

Gross Margin

—

Op. Margin

—

Net Margin

—

Debt/Equity

—

Current Ratio

—

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Current vs 5-Year Average

Based on 5 years of SEC filings

Net Margin

—

↑ +2.1pp avg —

Gross Margin

—

↑ +2.1pp avg —

Operating Margin

—

↑ +2.1pp avg —

Return on Equity

—

↑ +2.1pp avg —

Debt / Equity

—

↑ +2.1pp avg —

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Revenue & Net Income

Profit Margins

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EPS & Free Cash Flow Per Share

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Financial Statements

Metric	FY22	FY23	FY24
Revenue	$X.XB	$X.XB	$X.XB
Gross Profit	$X.XB	$X.XB	$X.XB
Operating Income	$X.XB	$X.XB	$X.XB
Net Income	$X.XB	$X.XB	$X.XB
EBITDA	$X.XB	$X.XB	$X.XB
Total Assets	$X.XB	$X.XB	$X.XB
Total Liabilities	$X.XB	$X.XB	$X.XB

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Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

Humana Inc. — Fundamental Analysis Summary

Humana Inc. (HUM) is trading 34% below its Graham Number of $259.44 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 8.3x.

On financial health, HUM shows a moderate Piotroski F-Score of 5/9, and modest return on equity of 14.0% (sector average: 5.8%), and manageable leverage with a debt-to-equity ratio of 0.70.

StockPik's composite Value Score for HUM is 93/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.

HUM shows revenue growing at 10% year-over-year, with earnings declining at 2%.

HUM pays a modest dividend yield of 2.1%.

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ATLCL	Atlanticus Holdings Corp	$24.97	3.2	100
ACGLN	Arch Capital Group Ltd.	$16.52	1.4	100
ACGLO	Arch Capital Group Ltd.	$19.79	1.7	100

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How is the Value Score calculated?

Read our full methodology →

What is the margin of safety?

How to calculate the margin of safety using the Graham Number, and what counts as a good margin of safety →

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