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Humana Inc

Humana Inc

HUM
$400.00USD↑+3.50%+13.52 today

MARKET CAP

48.0B

P/E (TTM)

25.2x

FWD P/E

40.5x

DAY RANGE

$386 – $401

52W RANGE

$163
$429

AI Summary

Stalk
Buy NowMedium

HUM is in a Stage 2 advancing regime, driven by an active Parabola continuation pattern and rising short-term EMAs. A recent pullback into the 9/21 EMA zone has shown tentative support, offering a favorable entry aligned with the medium-term bullish structure above the 50DMA, while the long-term downtrend remains an overarching caution. Execute Buy Now on continued acceptance at dynamic EMA support.

  • ↑Membership rose 1M (20% YoY), with 70% switchers from rivals
  • ↑Upsized 2025 adjusted EPS guidance to ~$17 on cost efficiencies
  • ↓Low 0.8% net margin reflects weak profitability factors
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The case for & against

Bull & Bear analysis

Bullish

Humana Inc. (NYSE: HUM) is a leading healthcare company specializing in health insurance with a strong focus on Medicare Advantage and Medicaid plans. The company operates predominantly in the U.S. healthcare market and is expanding rapidly through its CenterWell subsidiaries, which encompass value-based care models. Humana's prime market positioning is underpinned by its advanced integration of technology and AI, empowering both cost efficiencies and improved patient experiences, particularly in the context of an evolving regulatory landscape.

Bull says

  • ↑Membership rose 1M (20% YoY), with 70% switchers from rivals
  • ↑Upsized 2025 adjusted EPS guidance to ~$17 on cost efficiencies
  • ↑Targeting 3% operating margin via medical cost control
  • ↑Max Health acquisition expands CenterWell value-based care footprint
  • ↑AI integration boosts call accuracy and reduces operational costs
  • ↑Strong analyst revisions and positive price momentum support upside

Bear says

  • ↓Low 0.8% net margin reflects weak profitability factors
  • ↓Medical cost trends outpace funding, squeezing future margins
  • ↓Potential Medicare Advantage reimbursement and STARS regulatory risks
  • ↓Integration costs from Max Health deal may hit efficiencies
  • ↓High leverage risk amid rising healthcare costs
  • ↓Negative earnings yield and dividend yield weigh on returns

Investment themes with HUM

High Dividend Yield↑ +0.32%

Companies paying above-average dividends

AVGO · JPM · XOM
Health Care Providers↓ -0.61%

UNH · CVS · HCA

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-29-2026bullish

Transcript signals

Bull points

  • we are pleased that available information to date suggests that our Medicare Advantage members, both new and existing, are performing in line to better than our guidance, even after adjusting for a more subdued flu season and the winter storms.
  • We are maintaining dividend levels and limiting share repurchases to amounts necessary to offset dilution from employee stock compensation, though intend to increase both when our cash flows and funding capacity grow with the execution of the plan laid out at our investor day.
  • we are pleased with the results of our balance sheet enhancements and are comfortable with our capital levels, which provide a prudent buffer above regulatory and rating agency requirements.

Bear points

  • The short answer is yes, the gap between funding and medical cost trend is larger going into this bid season than it was a year ago.
  • the operating cost ratio seems to need to have a flatter trajectory through the year than would be normal for you. And how are you planning to execute that?
Read full transcript analysis ›