Humana (HUM) Price & Analysis
HUM Stock Chart & Stats
- Day’s Range
- EUR 370.00 - EUR 374.00
- 52-Week Range
- EUR 142.00 - EUR 398.00
- Previous Close
- EUR 367.21
- Volume
- 0
- Average Volume (3M)
- 15
- Market Cap
- EUR 44.42B
- Enterprise Value
- EUR 62.43B
- Total Cash (Recent Filing)
- EUR 23.87B
- Total Debt (Recent Filing)
- EUR 14.25B
- Price to Earnings (P/E)
- 38.9
- Beta
- 0.13
- Next Earnings
- Nov 06, 2026
- EPS Estimate
- -0.89
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 0.85%
Bulls Say, Bears Say
Bulls Say
CenterWell Capital Flexibility
The new joint venture provides additional growth capital for CenterWell while keeping Humana responsible for clinic operations. Removing prior put arrangements should reduce balance-sheet liabilities and lower funding costs, improving financial flexibility for expansion and strategic investment.
Improved Medicare Advantage Stars
Higher Star Ratings strengthen Humana’s Medicare Advantage competitiveness and can support improved bonus economics, member retention, and enrollment quality. The increase in highly rated contracts and stronger preventive-care engagement also reinforces Humana’s care-management capabilities over multiple years.
Revenue Growth And Manageable Leverage
Continued revenue expansion indicates that Humana retains scale and demand across its healthcare businesses, while moderate leverage limits balance-sheet strain. Together, these factors provide a foundation for funding operations and pursuing growth even as profitability recovery remains a priority.
Bears Say
Compressed Profitability
The sharp decline in net and operating margins shows that revenue growth is currently translating into relatively little earnings. Lower profitability reduces internal reinvestment capacity, weakens returns to shareholders, and leaves less cushion against medical-cost or policy pressures.
Elevated Drug-cost Trend
Persistent double-digit drug-cost growth can raise claims expense faster than premiums and government payments adjust. Unless pricing, benefit design, rebates, or care management offset the increase, pharmacy pressure could constrain underwriting margins and delay the company’s longer-term profitability goals.
Medicare Plan-exit Disruption
The planned exits create a substantial membership transition and could reduce scale if displaced members do not move to Humana alternatives. Even with expected recapture, disruption may alter membership mix, increase retention demands, and complicate progress toward margin targets.
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Humana Stock Smart Score
Company Description
Humana
Humana Inc., a prominent health and well-being enterprise, operates across the United States through its various subsidiary companies. Its operational structure is divided into three main segments: Retail, Group and Specialty, and Healthcare Services. The firm provides a wide array of medical and supplementary insurance plans directly to individual consumers. Furthermore, Humana collaborates with government entities; it holds a contract with the Centers for Medicare and Medicaid Services (CMS) to manage the Limited Income Newly Eligible Transition (LI NET) prescription drug program. The company also secures agreements with numerous states to deliver Medicaid, dual-eligible, and long-term care support benefits. For employer groups and individuals, Humana furnishes fully insured commercial medical and specialized health coverage, which encompasses dental, vision, and other ancillary health benefits. They additionally offer administrative services only (ASO) solutions and extend support to military personnel through contracts like the TRICARE T2017 East Region. Beyond insurance products, the company delivers comprehensive healthcare services directly. These include pharmacy management, provider network services, and a suite of home-based solutions such as home health care, serving both its own health plan enrollees and external clients. By the close of 2021 (December 31), Humana's reach extended to approximately 17 million individuals enrolled in its medical benefit plans and an additional 5 million utilizing its specialized product offerings. Established in 1961, Humana Inc. maintains its corporate headquarters in Louisville, Kentucky.
- Sector
- Healthcare
- Industry
- Medical - Healthcare Plans
- CEO
- James A. Rechtin
- Employees
- 67,060
- Website
- www.humana.com
- Address
- Humana Building, Louisville, KY, 40202, US
Humana (HUM) Earnings & Revenues
HUM Earnings Call
Earnings Call SentimentPositive
The call conveyed a generally constructive operational and strategic progress narrative: clear cost-reduction execution (120 bps Y/Y improvement in Q2 operating cost ratio and expected ~150 bps full-year), tangible improvement in key Stars-related measures (outperforming historical CAGR on most selected metrics and ~5% better quality improvement rate for BY '29 measures), balance-sheet moves (Gentiva divestiture ~ $900M and $1.5B P-Cap facilities) and a new statewide Medicaid win. However, material risks remain — notably elevated and rising drug trend, dependence on membership mix for margin realization, plan-exit disruption (~600k members), elevated reserves/IBNR, and Stars/ policy uncertainty — which temper the outlook. On balance, the highlights (execution, cost savings, Stars operational progress, capital actions) outweigh the lowlights (policy uncertainty, drug trend, membership disruption), producing a cautiously positive sentiment.
View all DE:HUM earnings summariesHUM Net sales Breakdown
- 94.73% Premiums
- 4.50% Services
- 0.78% Investment income
HUM Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 3 | 6 |
| Technical Analysis | 6 | 3 | 1 |
| Moving Averages | 7 | 0 | 5 |