HU
HUM
Latest · Mar 31, 2026
Quarter ended Mar 31, 2026 · FY2026 Q1

Humana Inc. stock research

Humana (HUM) Free Cash Flow — Quarter Ended Mar 31, 2026

This quarter showed a marked improvement in cash generation, with revenue rising and operating cash flow turning positive. The free cash flow margin was positive, contrasting with a negative margin in the prior quarter.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

This quarter showed a marked improvement in cash generation, with revenue rising and operating cash flow turning positive. The free cash flow margin was positive, contrasting with a negative margin in the prior quarter.

  • The conversion of revenue into operating cash flow improved strongly, as operating cash flow was substantially higher relative to revenue. Capital expenditure remained modest, supporting a solid free cash flow.
  • Compared with the immediately preceding quarter, cash flow metrics strengthened, with operating cash flow shifting from negative to positive. Versus the same quarter one year earlier, revenue, operating cash flow, and free cash flow were all higher.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$1.3B

Trailing twelve-month free cash flow.

Quarter free cash flow

$1.1B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$1.3B

Cash generated by operations before capital spending.

CapEx

$121.0M

Capital spending and related asset purchases.

FCF margin

2.9%

The share of revenue converted into free cash flow.

TTM FCF yield

2.6%

TTM FCF divided by market capitalization.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2025-06-30$32.4B$1.3B$114.0M$1.2B3.6%
2025-09-30$32.6B$971.0M$135.0M$836.0M2.6%
2025-12-31$32.5B-$1.7B$202.0M-$1.9B-5.7%
2026-03-31$39.6B$1.3B$121.0M$1.1B2.9%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income95.5%Shows whether accounting earnings convert into cash.
CapEx / revenue0.3%Lower capital intensity usually supports FCF margin.
Net cash-$9.0BCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Operating Cash Flow Improvement

Operating cash flow turned positive after being negative in the prior quarter and was higher than the year-ago quarter, marking a clear strengthening.

This shift directly drove a large increase in free cash flow and a positive free cash flow margin.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

The conversion of revenue into operating cash flow improved strongly, as operating cash flow was substantially higher relative to revenue. Capital expenditure remained modest, supporting a solid free cash flow.

Compared with the immediately preceding quarter, cash flow metrics strengthened, with operating cash flow shifting from negative to positive. Versus the same quarter one year earlier, revenue, operating cash flow, and free cash flow were all higher.

Monitor the consistency of operating cash flow in forthcoming quarters, given the shift from negative in the prior quarter to positive this quarter.

Valuation context

A cash-flow page should show how much investors are paying for the cash stream, without turning into a full DCF.

Market capitalization$49.3BUsed as the denominator for FCF yield.
TTM FCF yield2.6%TTM free cash flow divided by market capitalization.
EV / TTM FCF45.9xA quick valuation bridge, not a full DCF.

Peer context

Free cash flow quality is easier to read against related public companies.

HU
HUM

Humana Inc.

FCF margin

2.9%

FCF yield

2.6%