Last 47 quarters of trend data · Healthcare · Medical - Healthcare Plans
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Humana Inc.'s quarterly P/E stands at 40.1x, up 101.8% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 127.2% YoY to 28.6x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 19.09 | 40.15 | 13.55 | 6.42 | — | 19.90 | 16.59 | 14.19 | — | 18.13 | 14.59 | 12.30 | — |
| — | +101.8% | -18.3% | -54.7% | — | +9.8% | +13.7% | +15.4% | — | +40.3% | -31.7% | -17.6% | — | |
| P/S Ratio | 0.19 | 0.24 | 0.23 | 0.25 | 0.26 | 0.33 | 0.38 | 0.35 | 0.53 | 0.57 | 0.52 | 0.57 | 0.72 |
| — | -26.0% | -40.3% | -29.9% | -50.5% | -43.0% | -27.0% | -37.7% | -26.1% | -15.8% | -16.8% | -1.5% | +1.2% | |
| P/B Ratio | 1.40 | 1.69 | 1.61 | 1.79 | 1.86 | 2.17 | 2.70 | 2.60 | 3.44 | 3.55 | 3.31 | 3.66 | 4.19 |
| — | -22.1% | -40.1% | -31.0% | -45.8% | -38.8% | -18.6% | -29.1% | -17.9% | -6.3% | -13.6% | +1.3% | +13.0% | |
| P/FCF | 9.58 | 9.40 | 6.38 | 33.85 | — | 5.53 | 10.26 | 42.73 | — | 14.81 | 4.80 | 2.36 | — |
| — | +69.8% | -37.8% | -20.8% | — | -62.6% | +113.6% | +1712.5% | — | +683.0% | -78.0% | -99.9% | — | |
| EV / EBITDA | 11.84 | 28.61 | 10.01 | 5.31 | — | 12.59 | 11.06 | 9.66 | — | 10.25 | 8.31 | 7.77 | 117.00 |
| — | +127.2% | -9.5% | -45.0% | — | +22.8% | +33.1% | +24.3% | — | +10.6% | -32.6% | -28.4% | -6.1% | |
| EV / EBIT | 18.50 | 35.03 | 10.61 | 5.47 | — | 13.73 | 11.82 | 10.34 | — | 11.27 | 8.95 | 8.25 | 461.67 |
| — | +155.2% | -10.3% | -47.1% | — | +21.8% | +32.2% | +25.4% | — | +12.6% | -33.3% | -30.2% | -14.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Humana Inc.'s operating margin was 0.4% in Q3 2025, down 1.9 pp QoQ and down 1.8 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Operating Margin | 1.5% | 0.4% | 2.3% | 5.3% | -3.0% | 2.2% | 3.1% | 3.4% | -2.2% | 4.2% | 4.7% | 6.0% | -0.3% |
| — | -81.5% | -26.4% | +53.8% | -32.1% | -46.7% | -34.1% | -43.3% | -605.9% | -27.0% | -0.5% | +18.6% | -11.0% | |
| Net Margin | 1.0% | 0.6% | 1.7% | 3.9% | -2.4% | 1.6% | 2.3% | 2.5% | -2.0% | 3.1% | 3.6% | 4.6% | -0.1% |
| — | -63.4% | -26.8% | +54.8% | -16.0% | -48.1% | -35.9% | -46.0% | -2960.5% | -39.9% | +21.9% | +19.4% | -0.5% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.4% | 1.1% | 3.0% | 7.3% | -4.1% | 2.8% | 4.1% | 4.6% | -3.2% | 4.9% | 5.7% | 7.7% | -0.1% |
| — | -62.2% | -26.8% | +59.3% | -25.3% | -43.1% | -27.9% | -41.1% | -3328.8% | -34.6% | +26.8% | +30.9% | -9.5% | |
| ROA | 2.6% | 0.4% | 1.1% | 2.6% | -1.4% | 1.0% | 1.4% | 1.5% | -1.1% | 1.5% | 1.7% | 2.5% | -0.0% |
| — | -59.4% | -20.6% | +67.4% | -36.7% | -35.2% | -21.4% | -39.8% | -3183.7% | -39.5% | +15.4% | +23.5% | -2.6% | |
| ROIC | 5.5% | 0.4% | 2.1% | 4.9% | -2.6% | 2.1% | 3.0% | 3.4% | -2.7% | 7.6% | 8.2% | 7.6% | -0.4% |
| — | -81.5% | -30.8% | +43.5% | +2.8% | -72.8% | -63.3% | -54.8% | -650.2% | +25.4% | +111.9% | +86.2% | -84.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Humana Inc.'s Debt/EBITDA ratio is 37.4x, up from 13.3x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.68 | 0.68 | 0.69 | 0.72 | 0.68 | 0.67 | 0.70 | 0.77 | 0.63 | 0.56 | 0.58 | 0.59 | 0.59 |
| — | +0.9% | -1.9% | -6.3% | +8.3% | +20.9% | +22.2% | +30.7% | +6.5% | +16.7% | -20.9% | -20.4% | -10.2% | |
| Debt / EBITDA | 4.14 | 37.40 | 13.26 | 6.71 | — | 13.30 | 10.13 | 9.86 | — | 7.11 | 6.53 | 5.32 | 61.88 |
| — | +181.3% | +30.8% | -32.0% | — | +86.9% | +55.1% | +85.5% | — | +37.8% | -23.0% | -32.8% | -21.3% | |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 2.61 | 0.80 | 4.72 | 10.57 | -5.26 | 3.85 | 5.46 | 6.38 | -4.05 | 9.63 | 10.52 | 14.28 | -0.66 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Start ComparisonHumana Inc.'s current P/E is 19.1x. The average P/E over the last 3 quarters is 20.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Humana Inc.'s current operating margin is 1.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Humana Inc.'s business trajectory between earnings reports.