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Humana AB
(HUM)
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Rating:71Outperform
Price Target:
kr79.00
▲(10.49% Upside)
Action:Upgraded
Date:07/23/26
The score is driven mainly by strong financial performance (notably accelerating revenue and robust free cash flow) tempered by meaningful leverage and thin net margins. Technicals add support with an uptrend above major moving averages and positive MACD, while valuation is reasonable with a mid-level P/E and moderate dividend yield.
Positive Factors
Strong Cash Generation
Humana’s strong operating and free cash flow provides internally generated funding for care operations, investment, and debt service. FCF close to net income also supports earnings quality, while the sharp improvement in FCF indicates better cash efficiency that can remain valuable over the next several quarters.
Negative Factors
Limited Debt-Coverage Flexibility
Operating cash flow covers only a limited portion of total debt, so leverage remains a meaningful constraint despite strong free cash flow. This reduces financial flexibility, increases sensitivity to operating setbacks, and may limit Humana’s ability to fund expansion or absorb higher financing burdens.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Cash Generation
Humana’s strong operating and free cash flow provides internally generated funding for care operations, investment, and debt service. FCF close to net income also supports earnings quality, while the sharp improvement in FCF indicates better cash efficiency that can remain valuable over the next several quarters.
Read all positive factors
Humana AB (HUM) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr3.49B
Dividend Yield1.89%
Average Volume (3M)172.50K
Price to Earnings (P/E)20.2
Beta (1Y)0.66
Revenue Growth-3.48%
EPS Growth-14.02%
CountrySE
Employees11,127
SectorHealthcare
Sector Strength45
IndustryMedical - Care Facilities
Share Statistics
EPS (TTM)3.53
Shares Outstanding48,039,394
10 Day Avg. Volume208,478
30 Day Avg. Volume172,498
Financial Highlights & Ratios
PEG Ratio0.16
Price to Book (P/B)0.81
Price to Sales (P/S)0.25
P/FCF Ratio3.78
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.32
Revenue Forecast (FY)kr10.22B
Humana AB Business Overview & Revenue Model
Company Description
Humana AB (publ), founded in 2001 and headquartered in Stockholm, Sweden, offers a wide range of individual and family care services across Sweden, Finland, Norway, and Denmark, serving both children and adults. The company's operations are divide...
How the Company Makes Money
Humana AB primarily makes money by delivering care services that are reimbursed through public-sector funding mechanisms (and, where applicable, municipal/regional contracts) and paid according to regulated or contracted rates. Key revenue streams...
Humana AB Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
76
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.03B | 10.01B | 10.29B | 9.65B | 9.20B | 8.19B |
| Gross Profit | 2.98B | 831.00M | 896.00M | 757.00M | 9.14B | 8.13B |
| EBITDA | 1.03B | 1.11B | 1.05B | 908.00M | 901.00M | 892.00M |
| Net Income | 174.00M | 237.00M | 144.00M | 176.00M | 210.00M | 276.00M |
Balance Sheet | ||||||
| Total Assets | 9.41B | 9.39B | 10.63B | 10.03B | 9.81B | 9.00B |
| Cash, Cash Equivalents and Short-Term Investments | 339.00M | 366.00M | 583.00M | 675.00M | 690.00M | 695.00M |
| Total Debt | 4.49B | 4.40B | 5.15B | 5.41B | 5.40B | 4.92B |
| Total Liabilities | 6.32B | 6.14B | 7.33B | 7.10B | 7.07B | 6.45B |
| Stockholders Equity | 3.09B | 3.12B | 3.16B | 2.89B | 2.74B | 2.55B |
Cash Flow | ||||||
| Free Cash Flow | 681.00M | 666.00M | 570.00M | 451.00M | 442.00M | 582.00M |
| Operating Cash Flow | 737.00M | 770.00M | 869.00M | 621.00M | 633.00M | 689.00M |
| Investing Cash Flow | -42.00M | 172.00M | -532.00M | -151.00M | -246.00M | -260.00M |
| Financing Cash Flow | -1.01B | -1.13B | -434.00M | -457.00M | -424.00M | -521.00M |
Humana AB Technical Analysis
Positive
71.50
Price Trends
66.97
Positive
60.59
Positive
53.21
Positive
Market Momentum
0.95
Negative
59.12
Neutral
80.61
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:HUM, the sentiment is Positive. The current price of 71.5 is above the 20-day moving average (MA) of 69.07, above the 50-day MA of 66.97, and above the 200-day MA of 53.21, indicating a bullish trend. The MACD of 0.95 indicates Negative momentum. The RSI at 59.12 is Neutral, neither overbought nor oversold. The STOCH value of 80.61 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:HUM.
Humana AB Peers Comparison
UnderperformOutperform
Sector (51)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | kr20.87B | 35.25 | 10.82% | 0.87% | 0.82% | 77.45% | |
71 Outperform | kr3.49B | 20.23 | 5.55% | 1.89% | -3.48% | -14.02% | |
68 Neutral | kr13.41B | 18.18 | 15.11% | 1.53% | 13.33% | 28.61% | |
67 Neutral | kr7.53B | 19.42 | 5.03% | 3.44% | -3.08% | -10.70% | |
65 Neutral | kr18.47B | 19.11 | ― | 0.71% | -1.07% | 81.76% | |
64 Neutral | kr39.06B | 40.94 | ― | 0.85% | 5.73% | 90.34% | |
51 Neutral | $7.86B | -0.30 | -43.30% | 2.27% | 22.53% | -2.21% |
* Healthcare Sector Average
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Humana AB Corporate Events
Court of Appeal to Review Humana Assistans Damages Claim Against Swedish State
Aug 14, 2026
Humana Assistans AB, a subsidiary of Nordic care provider Humana, has secured leave to appeal a District Court ruling that rejected its damages claim against the Swedish state. The Court of Appeal’s decision means the substantive merits of H...
Humana boosts profitability and cash flow despite muted growth in Q2 2026
Jul 17, 2026
Humana AB reported modest top-line growth for the second quarter of 2026, with net revenue up 3 percent to SEK 2,581 million, while adjusted operating profit improved by 6 percent to SEK 81 million, reflecting better profitability in Sweden and Fi...
Humana to Present Q2 and First-Half 2026 Results on July 17
Jul 3, 2026
Humana has announced it will publish its interim report for the second quarter and first half of 2026 on July 17, with a telephone conference and webcast scheduled earlier that morning. The CEO and CFO will present the financial results and take q...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.