Stocks · Healthcare · Medical - Healthcare Plans
Humana Inc. HUM
$388.36 +2.29% Close, Oct 2, 2026 · NYSE · Market cap $46.63B
Strong trend
Next earnings report: Nov 6, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 36.8× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- Earnings beat analyst estimates in each of the last 10 quarters (average surprise over the last four: +4.2%).
- The stock is in an uptrend: above its 200-day average for 104 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Healthcare sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth48Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 35%
- EPS growth (TTM, YoY)Bottom 37%
- FCF growth (TTM, YoY)Bottom 11%
- Revenue growth, 3-year CAGRTop 46%
- Revenue growth accelerationTop 19%
Quality28Very weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 25%
- Gross marginBottom 12%
- Operating marginTop 40%
- Cash conversion (OCF / net income)Bottom 9%
- Accruals (lower is better)Bottom 13%
- Net debt / EBITDA (lower is better)Bottom 36%
- Interest coverTop 34%
Value73Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 21%
- Free-cash-flow yieldTop 39%
- EBITDA / enterprise valueTop 21%
- Sales / enterprise valueTop 2%
- P/E vs own 5-year history (lower is better)Bottom 3%
Momentum91Exceptional
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 28%
- 6-month returnTop 6%
- 1-year return vs S&P 500Top 25%
- Distance from 52-week highTop 14%
- Trend checklist (0–4)Top 20%
Revisions30Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 49%
- Consecutive EPS beatsTop 6%
- Share of analysts rating BuyBottom 9%
- Upside to consensus price targetBottom 17%
Stability63Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 15%
- Maximum drawdown, 3 yearsTop 48%
- Beta vs S&P 500 (lower is better)Top 44%
- Net debt / EBITDA (lower is better)Bottom 36%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 14.1% | 18.3% | ↑ |
| EPS growth (YoY) | -33.9% | -19.0% | ↑ |
| Gross margin | 15.0% | 13.7% | ↓ |
| Operating margin | 1.7% | 1.4% | ↓ |
| FCF margin | 2.0% | -0.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 18.3% | 14.1% | ↑ | Top 35% |
| EPS growth (TTM, YoY) | -19.0% | -33.9% | ↑ | Bottom 37% |
| Gross margin | 13.7% | 15.0% | ↓ | Bottom 12% |
| Operating margin | 1.4% | 1.7% | ↓ | Top 40% |
| Net margin | 0.9% | 1.3% | ↓ | — |
| Free-cash-flow margin | -0.3% | 2.0% | ↓ | — |
| Return on invested capital | 4.5% | — | Top 25% | |
| Revenue growth, 3-year CAGR | 11.7% | — | Top 46% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.12×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 2.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +8.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.40×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.69%
- Net buyback yield (TTM)
- 0.32%
- Shareholder yield
- 1.01%
- Share count change, 1 year
- +0.1%
- Share count change, 3-year CAGR
- -1.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 29, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 10
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +4.2%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $424.21
- Target vs current price
- +9.2%
- Analysts with a rating
- 44
- Share rating Buy or Strong Buy
- 41%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | +4.7% | -6.0% | -6.8% | +0.3% | — |
| Apr 29, 2026 | +0.7% | +5.8% | +4.3% | +33.3% | +69.5% |
| Feb 11, 2026 | +1.0% | -3.3% | +3.2% | -5.7% | +36.3% |
| Nov 5, 2025 | +10.6% | -6.0% | -13.6% | -8.9% | -33.6% |
| Jul 30, 2025 | +5.9% | +12.4% | +9.4% | +28.5% | +23.7% |
| Apr 30, 2025 | +15.0% | +1.1% | -2.9% | -12.2% | -8.2% |
| Feb 11, 2025 | +3.1% | -3.5% | -3.6% | -6.2% | -5.1% |
| Oct 30, 2024 | +22.4% | +3.3% | +1.1% | +14.7% | +17.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $7.61 | $7.27 | +4.7% | $40.87B |
| Apr 29, 2026 | $10.31 | $10.24 | +0.7% | $39.65B |
| Feb 11, 2026 | -$3.96 | -$4.00 | +1.0% | $32.52B |
| Nov 5, 2025 | $3.24 | $2.93 | +10.6% | $32.65B |
| Jul 30, 2025 | $6.27 | $5.92 | +5.9% | $32.39B |
| Apr 30, 2025 | $11.58 | $10.07 | +15.0% | $32.11B |
| Feb 11, 2025 | -$2.16 | -$2.23 | +3.1% | $29.21B |
| Oct 30, 2024 | $4.16 | $3.40 | +22.4% | $29.40B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 36.8× | 20.5× | 100th | Top 21% |
| P/E (forward) | 42.4× | — | — | — |
| EV / EBITDA | 17.6× | — | — | Top 21% |
| EV / Sales | 0.37× | — | — | Top 2% |
| Free-cash-flow yield | -0.95% | — | — | Top 39% |
| Earnings yield | 2.72% | — | — | Top 21% |
P/E over the past five years
Range 18.1× – 34.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +57.4%
- Earnings per share growth (TTM)
- -19.0%
- Change in P/E multiple
- +72.4%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 104
- 50-day average slope (20 days)
- -0.6%
- 200-day average slope (20 days)
- +5.2%
- Distance from 50-day average
- +0.8%
- Distance from 200-day average
- +32.4%
- RSI (14)
- 50.7
- Relative volume
- 0.73×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 34.3%
- Volatility vs own 5-year history
- 46th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.01
- Correlation with S&P 500
- 0.33
- Current drawdown from 1-year high
- -5.2%
- Maximum drawdown, 3 years
- -68.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 3, 2022 | Mar 12, 2026 | -70.9% | 839 days | Not yet recovered |
| Jul 23, 2021 | Jan 7, 2022 | -22.9% | 117 days | 120 days (Jul 1, 2022) |
| Nov 4, 2020 | Feb 16, 2021 | -17.0% | 69 days | 54 days (May 4, 2021) |
| May 10, 2021 | Jun 14, 2021 | -11.7% | 24 days | 23 days (Jul 16, 2021) |
| Oct 23, 2020 | Oct 29, 2020 | -10.7% | 4 days | 4 days (Nov 4, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $46.63B
- P/E (TTM)
- 36.8
- EPS, diluted (TTM)
- $10.56
- Revenue (TTM)
- $145.68B
- Dividend yield
- 0.91%
- 52-week range
- $163.11 – $428.88
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $83.65B | $92.92B | $106.44B | $117.81B | $129.66B |
| Gross profit | $14.45B | $17.23B | $18.05B | $17.15B | $18.85B |
| Operating income | $3.42B | $3.56B | $3.32B | $1.63B | $1.45B |
| Net income | $2.93B | $2.81B | $2.49B | $1.21B | $1.19B |
| EPS (diluted) | $22.67 | $22.08 | $20.00 | $9.98 | $9.84 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $29.40B | $29.21B | $32.11B | $32.39B | $32.65B | $32.52B | $39.65B | $40.87B |
| Net income | $480.0M | -$693.0M | $1.24B | $545.0M | $195.0M | -$796.0M | $1.19B | $693.0M |
| EPS (diluted) | $3.98 | -$5.76 | $10.30 | $4.51 | $1.62 | -$6.61 | $9.83 | $5.72 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $2.26B | $4.59B | $3.98B | $2.97B | $921.0M |
| Capital expenditure | -$1.34B | -$1.14B | -$1.00B | -$575.0M | -$546.0M |
| Free cash flow | $920.0M | $3.45B | $2.98B | $2.39B | $375.0M |
| Dividends paid | -$354.0M | -$392.0M | -$431.0M | -$431.0M | -$430.0M |
| Net share buybacks | -$79.0M | -$2.10B | -$1.57B | -$817.0M | -$151.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $23.87B
- Total assets
- $57.20B
- Total liabilities
- $37.92B
- Total debt
- $14.25B
- Net debt
- $7.35B
- Shareholders’ equity
- $19.21B
As of Jun 30, 2026 (filed Jul 29, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 30, 2026 | $0.89 | Nov 27, 2026 |
| Jun 26, 2026 | $0.89 | Jul 31, 2026 |
| Mar 27, 2026 | $0.89 | Apr 24, 2026 |
| Dec 26, 2025 | $0.89 | Jan 30, 2026 |
| Sep 26, 2025 | $0.89 | Oct 31, 2025 |
| Jun 27, 2025 | $0.89 | Jul 25, 2025 |
| Mar 28, 2025 | $0.89 | Apr 25, 2025 |
| Dec 31, 2024 | $0.89 | Jan 31, 2025 |
Short interest
- Shares sold short
- 2,847,303
- Days to cover
- 3.29
- Change vs previous report
- -8.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Aug 1, 1991
- 3-for-2
- Feb 1, 1984
- 6-for-5
- Feb 1, 1983
- 4-for-3
- Feb 1, 1982
- 3-for-2
- Feb 3, 1981
- 2-for-1