Humana Inc. HUM NYSE

Humana Inc. (HUM) generated $921M in operating cash flow for fiscal year 2025. After capital expenditures of $546M, free cash flow was $375M.

Free cash flow margin was 0.3% of revenue. Cash conversion ratio was 0.78x, suggesting some earnings are non-cash.

The company returned $430M in dividends and $151M in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (17/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (45/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (30/100) — Cash conversion ratio was 0.78x suggests some earnings are non-cash items

Overall SharesGrow Score: 53/100 with 2/7 criteria passed.