Is HUMANA INC (HUM) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 57.3% / 30% | 92.1% / 30% | 15.1% / 30% | 0.0% / 5% | ✗ NOT HALAL |
| DJIM | 57.3% / 33% | 92.1% / 33% | 15.1% / 33% | 0.0% / 5% | ✗ NOT HALAL |
| MSCI | 25.3% / 33% | 40.7% / 33% | 6.7% / 33% | 0.0% / 5% | ✗ NOT HALAL |
| S&P | 57.3% / 33% | 92.1% / 33% | 15.1% / 33% | 0.0% / 5% | ✗ NOT HALAL |
| FTSE | 25.3% / 33% | 40.7% / 33% | 6.7% / 50% | 0.0% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 14.5% | |
| Operating Margin | -1.8% | |
| Net Margin | 0.9% | |
| Return on Equity (ROE) | 7.0% | |
| Return on Assets (ROA) | 4.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $921M |
| Free Cash Flow | $375M |
| Total Debt | $12.4B |
| Debt-to-Equity | 74.8 |
| Current Ratio | 2.0 |
| Total Assets | $48.9B |
Price & Trading
| Last Close | $174.25 |
| 50-Day MA | $193.78 |
| 200-Day MA | $244.36 |
| Avg Volume | 2.0M |
| Beta | 0.4 |
|
52-Week Range
$163.11
| |
About HUMANA INC (HUM)
Humana Inc. provides medical and specialty insurance products in the United States. It operates in two segments, Insurance and CenterWell. The Insurance segment offers individual Medicare Advantage products, including health insurance benefits, including wellness programs, chronic care management, and care coordination; individual Medicare stand-alone prescription drug products (PDP); group Medicare advantage and Medicare stand-alone PDP; Medicare supplements; specialty and ancillary insurance comprising dental, vision, life and disability; and administrative services to arrange health care services for active-duty and retired military personnel and dependents, as well as pharmacy benefit managers. Its CenterWell segment operates full-service, value-based senior focused primary care centers under the Conviva Senior Primary Care and CenterWell Senior Primary Care brands; a management services organization; CenterWell Home Health, a home health provider; and OneHome, which manages post-acute patient needs, as well as provides pharmacy and hospice solutions. The company was formerly known as Extendicare Inc. and changed its name to Humana Inc. in April 1974. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.
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Frequently Asked Questions
Is HUMANA INC (HUM) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), HUMANA INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is HUMANA INC's debt ratio?
HUMANA INC's debt ratio is 57.3% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 25.3%.
What are HUMANA INC's key financial metrics?
HUMANA INC has a market capitalization of $20.4B, trailing P/E ratio of 17.2, and revenue of $129.7B. The company maintains a gross margin of 14.5% and a net margin of 0.9%. Return on equity stands at 7.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.