Humana Inc. cash flow to debt ratio of 7.12% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Humana Inc.'s free cash flow has decreased 84.32% from $2.39B last year to $375.00M, signaling decreasing performance

Humana Inc.'s debt to equity ratio is 0.74, which means that the company's assets are unhealthy financed, signaling financial risk.

Humana Inc.'s debt has decreased relative to shareholder equity from 0.75 last year to 0.74 today, signaling strengthened financials

Humana Inc. has a net debt to EBITDA ratio of 3.00x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Humana Inc.'s interest coverage ratio of 2.87 indicates that earnings with margin can cover interest payments on company debt

Humana Inc.'s profit margin has decreased (14.37%) in the last year from 1.02% to 0.88%, signaling decreasing performance

Humana Inc.'s short-term liabilities of $10.31B exceed its short-term assets of $7.47B, signaling financial risk

Humana Inc.'s return on assets of 2.23% is lower than the 5.00% threshold, indicating inefficient asset utilization

Humana Inc.'s return on equity of 6.91%, is lower than 15.00%, indicating bad performance

Humana Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Humana Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Humana Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Humana Inc. has a free cash flow yield of 0.81%, which is below the 2.00% threshold, indicating limited cash return relative to market value

Humana Inc.'s yearly earnings has decreased 1.57% since last year from $1.21B to $1.19B, signaling decreasing performance

Humana Inc.'s yearly revenue has increased 10.11% since last year from $117.76B to $129.66B, signaling increasing performance

ROIC 4.52% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Humana Inc.'s 3-year revenue CAGR of 11.75% is positive, indicating growing revenue over the past 3 years

Humana Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Humana Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Humana Inc. has insufficient data to evaluate this check.

Humana Inc. has an earnings yield of 2.76%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

Humana Inc. is overvalued relative to its fair value price of 96.35 based on EBITDA multiple model

Humana Inc. has an EV/EBITDA ratio of 18.93x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Humana Inc. is undervalued relative to its fair value price of 644.75 based on Earnings Fair Value model

Humana Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Humana Inc. has a price-to-book ratio of 2.40x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Humana Inc. has a price-to-sales ratio of 0.32x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue