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HUMANA INC

HUMNYSE
πŸ† #317 by market capEarnings Nov 6 Β· PreUS Equity
$391.34β–² $1.72 (+0.44%)
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24hβ–² 0.4%
7dβ–² 5.2%
14dβ–Ό 1.3%
30dβ–² 1.5%
ytdβ–² 52.8%
1yβ–² 53.3%
🏦Market Cap
$46.99B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+10.1%
Healthy
πŸ“ŠGross Margin
13.7%
Thin
πŸ’΅FCF Margin
-0.3%
Thin
βš–οΈP/S Ratio
0.3x
Cheap
Otter Score
80
Good

Trading Snapshot

Day Range
$385.12 – $397.96
52-Week Range
$163.11 – $428.88
Volume
$4.05B
Avg Volume
$3.36B
Shares Outstanding
120.1M
Next Earnings
Nov 8, 2026

Fundamentals Snapshot

Annual Revenue
$129.66B
Last Q Revenue
$40.87B
P/E Ratio
36.5
P/S Ratio
0.3x
EPS (TTM)
$10.63
Dividend Yield
0.91%
Dilution (1yr)
βˆ’0.4%

Why Investors Own HUM

  • βœ“High-growth profile β€” revenue up +18.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 60% gross margin and 5% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

HUM logo

HUMANA INC

HUM
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$129.7Bβ–² +10.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
14.5%β–Ό βˆ’0.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$1.5Bβ–Ό βˆ’10.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$375Mβ–Ό βˆ’84.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
120.3Mβ–Ό βˆ’0.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$8.7Bβ–² +$1.3B YoY
StockOtter Β· stockotter.space

About HUMANA INC

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
80/100

Analyst Price Target

β“˜
Average Target
$426.15
β–² +8.9% Upside
High Target$466.62
Low Target$353.07
Based on 22 analysts

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