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Humana HUM Net debt / EBITDA

Net debt / EBITDA at other companies

CVS Health logo
CVS HealthCVS
0.5×0.0×
UnitedHealth Group logo
UnitedHealth GroupUNH
2.2×+0.8×
Centene logo
CenteneCNC
+1.0×
Elevance Health logo
Elevance HealthELV
2.4×+0.4×
Cigna logo
CignaCI
-0.6×0.0×
MetLife logo
MetLifeMET
-1.1×-17.5×

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$43.46B-34.8%
Enterprise value$52.5B-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

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

Calculated from Humana’s reported figures.

Based on the most recent quarter.

The official record: Humana’s 10-Q, filed November 5, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Humana's net debt / EBITDA?
Humana (HUM) reported net debt / EBITDA of 2× in Q3 2024.
How has Humana's net debt / EBITDA changed year-over-year?
Humana's net debt / EBITDA increased by 407.7% year-over-year, from -0.7× to 2×.
What is the long-term trend for Humana's net debt / EBITDA?
Over 2 years (2021 to 2023), Humana's net debt / EBITDA has grown at a -72.1% compound annual growth rate (CAGR), from 6.1× to -0.5×.
What does net debt / EBITDA mean?
How many years of operating earnings it would take to pay off the company's net debt.
How do you interpret net debt / EBITDA?
Lower is safer; lenders often covenant around 3–4×. A negative value means net cash (more cash than debt), a position of strength. Spikes can reflect a temporary EBITDA dip rather than new borrowing.
How does net debt / EBITDA compare across companies?
A standard leverage yardstick across non-financial sectors; covenant thresholds vary by industry cash-flow stability.