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Humana HUM Retail — Liability For Claims And Claims Adjustment Expense

Discontinued — last reported Q3 '20

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GLHealth — Liability For Claims And Claims Adjustment Expense
$154.53M+5.2%
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MOHOther — Liability for Claims and Claims Adjustment Expense
$10M-63.0%
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MOHReportable Legal Entities — Liability For Claims And Claims Adjustment Expense
$2.02B+4.9%
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MOHMarketplace — Liability for Claims and Claims Adjustment Expense
$406M-2.2%
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RNRProperty — Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims
$84.11M-94.8%
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RNRCasualty and Specialty — Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims
$899.86M-19.7%

Other financials

Income statement

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Revenue$39.6B+23.5%
Operating income$1.8B-12.9%
Net income$1.2B-4.7%
EPS (diluted)$9.83-4.6%

Balance sheet

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Cash & equivalents$5.0B+16.5%
Total debt$14.0B+5.2%
Total equity$18.6B+4.7%
Total assets$55.3B+8.5%

Cash flow

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Operating cash flow$1.3B+279%
CapEx$121.0M+27.4%
Free cash flow$1.1B+380%

Valuation

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Market cap$43.3B-34.8%
Enterprise value$52.34B-27.2%
P/E13.7×-1.7×
P/S0.3×-0.2×

Profitability

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Operating margin2.7%-1.7pp
Net margin3%-0.1pp
FCF margin4.2%

Returns & leverage

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Return on equity18.2%+0.9pp
Debt / equity0.8×0.0×
Current ratio1.8×-0.1×

Where this comes from

Reported directly by Humana in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForClaimsAndClaimsAdjustmentExpense.

The official record: Humana’s 10-Q, filed November 3, 2020, on SEC EDGAR. View the filing →

Questions, answered.

What does retail — liability for claims and claims adjustment expense mean?
The total estimated amount the company owes for medical claims that have been reported or incurred but not yet paid.
How do you interpret retail — liability for claims and claims adjustment expense?
An increase may reflect membership growth or rising medical cost trends, while a decrease could signal shrinking membership or improved cost management.
How does retail — liability for claims and claims adjustment expense compare across companies?
Standard metric for all health insurers; peers report this as 'IBNR' or 'Claims Reserves'.