Humana (HUM) Financial Forecast Calculator
Interactive 5-year forecast and DCF for Humana. Adjust revenue growth, gross margin, capex intensity, WACC, and terminal growth - see revenue, free cash flow, and enterprise value update in real time. Seeded from Humana’s most recent SEC filings.
Assumptions
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Keep iterating on the Humana forecast in Excel. The downloadable sample has every assumption you see here plus a fully integrated income statement, balance sheet, cash flow, and debt schedule - five years of SEC historicals and live formulas in a fully editable workbook.
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Frequently asked
What is Humana's primary business focus?+
Humana Inc. is a leading managed healthcare company in the United States, primarily focusing on government-sponsored programs like Medicare Advantage. It operates as both a health insurance risk-bearing entity and a direct provider of healthcare services through its CenterWell segment.
How does Humana generate its revenue?+
Humana generates approximately 85% of its revenue from its Insurance segment, which includes Medicare Advantage, Medicaid, and TRICARE health insurance products. The remaining 15% comes from its CenterWell segment, offering pharmacy, primary care, and home solutions to members and external patients.
What are Humana's key capital expenditure priorities?+
Humana's capital expenditure is split approximately 40% for maintenance, primarily IT infrastructure, and 60% for growth initiatives. Major growth capex programs include expanding CenterWell Senior Primary Care clinics and developing its digital platforms.
What are the main considerations for valuing Humana's equity?+
Evaluating Humana's equity valuation requires assessing its earnings power and the impact of its strategic pivot away from commercial insurance. Analysts also consider how the expansion of CenterWell services can offset margin pressures from rising Medicare Advantage medical costs and regulatory headwinds.
Can I download a financial model for Humana?+
Yes, a downloadable Excel financial model for Humana (HUM) is available, offering a forecast horizon from FY2026 to FY2030. This general corporate model helps evaluate the company's equity valuation and earnings power.
What is Humana's working capital profile?+
Humana typically has a negative net working capital profile, which provides a structural cash flow advantage. This is because the company collects premiums upfront from CMS and pays providers later.
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