Humana Inc.

NYSE:HUM 주식 리포트

시가총액: US$46.7b

Humana 향후 성장

Future 기준 점검 3/6

Humana (는) 각각 연간 28.9% 및 5.4% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 30.8% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 13% 로 예상됩니다.

핵심 정보

28.9%

이익 성장률

30.76%

EPS 성장률

Healthcare 이익 성장18.4%
매출 성장률5.4%
향후 자기자본이익률13.01%
애널리스트 커버리지

Good

마지막 업데이트29 Jul 2026

최근 향후 성장 업데이트

Recent updates

Seeking Alpha • 10h

Humana Q2 Earnings Review: Management Tight-Lipped, But Recovery Still On Track

Summary Humana Inc. targets a sustainable 3% pre-tax margin by 2028, focusing on Medicare Advantage plan quality and operational efficiency. Despite robust revenue growth, HUM’s profit margins have sharply declined, with Q2 2026 pre-tax margin at 1.8%, down from 6.7% in 2020. Management remains committed to margin recovery via improved Stars ratings, cost reductions, and selective plan exits, aiming for top-quartile performance. I maintain a Buy-the-Dip stance, though near-term volatility is likely as HUM forecasts negative Q3 EPS and a higher benefit ratio. Read the full article on Seeking Alpha
내러티브 업데이트 • Jul 23

HUM: Medicare Advantage Cost Trend Moderation Will Rebuild Margins And Earnings Power

The analyst price target for Humana has been revised higher from $441.00 to $502.00, supported by analysts citing moderating Medicare Advantage cost trends, improved confidence in margin recovery and earnings risk, and a willingness to apply a higher future P/E multiple to the stock. Analyst Commentary Recent research on Humana points to a clear shift toward more constructive sentiment, with a series of upward price target revisions and select rating upgrades highlighting improving confidence in Medicare Advantage trends, margin recovery potential, and earnings risk management.
내러티브 업데이트 • Jul 09

HUM: Medicare Advantage Rate And Stars Headwinds Will Restrain Margin Recovery

Humana's analyst fair value estimate has moved from $290.08 to $308.33 as analysts factor in higher target prices, supported by views of steadier medical cost trends, recovering Medicare Advantage margins, and a more stable policy backdrop for managed care. Analyst Commentary Recent Street research on Humana reflects a mix of confidence around the reset in Medicare Advantage economics and caution on execution risks over the next few years.
내러티브 업데이트 • Jun 25

HUM: Medicare Advantage Margin Recovery Will Restore Earnings Power And Future Multiple

Humana's fair value estimate has been raised from $371.06 to $441.00 as analysts factor in higher target prices, greater comfort with cost trends, and expectations for a more stable managed care policy backdrop that keeps attention on margin recovery and underlying earnings power. Analyst Commentary Recent research on Humana reflects a clear shift toward more constructive sentiment, with many bullish analysts lifting price targets and, in some cases, upgrading ratings as they reassess earnings power, margin recovery, and the policy backdrop for managed care.
분석 기사 • Jun 16

Humana (HUM) Stock Could Be 78.6% Overvalued After Its Recent Rally

Humana (HUM) has drawn fresh attention after recent trading, with the stock showing a mix of short term gains and longer term declines that raises questions about how investors currently view its valuation. See our latest analysis for Humana. Recent trading has pushed Humana’s share price to $380.26, with a 30 day share price return of 24.63% and a 1 year total shareholder return of 64.10%. However, 3 and 5 year total shareholder returns remain in decline, suggesting momentum has recently...
내러티브 업데이트 • Jun 08

HUM: Medicare Advantage Rate And Stars Uncertainty Will Pressure Margins

Humana's updated analyst price target has moved higher from about $210 to roughly $290, as analysts point to muted medical cost trends, potential Medicare Advantage margin recovery, and company specific Stars improvement as key supports for earnings power. Analyst Commentary Recent research shows a clear reset higher in Humana's valuation framework, with multiple firms lifting price targets and, in some cases, upgrading ratings as they reassess earnings power tied to medical cost trends and Medicare Advantage margins.
내러티브 업데이트 • May 25

HUM: Medicare Advantage Margin Recovery Will Support Future Multiple Repricing

Humana's updated analyst price target of about $371, up from roughly $322, reflects analysts' focus on stabilizing managed care trends, expectations around Medicare Advantage margin recovery, and a shift to a slightly higher discount rate and profit margin in the underlying assumptions. Analyst Commentary Recent Street research on Humana centers on how quickly Medicare Advantage margins might stabilize, how medical loss ratios track against company targets, and what that could mean for valuation as managed care trends settle.
내러티브 업데이트 • May 03

HUM: Medicare Advantage Margin Execution Will Support Future Multiple Repricing

Humana's updated fair value estimate has moved from $302.11 to $322.19 as analysts adjust price targets higher across multiple firms, citing recent research that reflects revised revenue growth, margin expectations, and a higher assumed future P/E of 14.99. Analyst Commentary Recent Street research around Humana has shifted from sharp cuts earlier in the year to a cluster of higher price targets more recently.
내러티브 업데이트 • Apr 19

HUM: Medicare Advantage Margin Recovery Will Offset Regulatory And Cost Uncertainty

Humana's updated analyst price target edges slightly lower to about $210, as analysts balance recent target cuts tied to Medicare Advantage margin concerns with more recent upward revisions that reflect adjusted models, a modestly lower discount rate, and a slightly different profit margin and forward P/E outlook. Analyst Commentary Recent Street research on Humana reflects a split view, with some analysts revising price targets higher after updating models, while others remain cautious following earlier target cuts and rating downgrades tied to Medicare Advantage margins and CMS rate decisions.
내러티브 업데이트 • Apr 04

HUM: Medicare Advantage Margin Recovery Will Drive Future Repricing Potential

Humana's updated analyst price target has shifted down from $348.00 to about $302.11, as analysts factor in lower target ranges across the Street, a higher discount rate, and cautious views on Medicare Advantage margins and earnings visibility. Analyst Commentary Recent Street research on Humana reflects a broadly cautious stance, with several firms cutting price targets and reassessing Medicare Advantage earnings power.
내러티브 업데이트 • Mar 21

HUM: Medicare Advantage Margin Recovery Will Offset Regulatory And Cost Headwinds

Humana's updated analyst price target has been trimmed by about $12 to $212.17, as analysts factor in more cautious assumptions around Medicare Advantage margins, earnings guidance, and recent sector wide target cuts following Q4 results and regulatory news. Analyst Commentary Recent research on Humana reflects a clear reset in expectations, with price targets moving lower and ratings clustered around neutral.
내러티브 업데이트 • Mar 07

HUM: Medicare Advantage Margin Recovery Will Drive Future Upside Potential

Our updated Humana fair value estimate moves from $287.38 to $223.88, reflecting analysts' lower price targets across the Street as they factor in uncertainty around Medicare Advantage margin improvement, EPS guidance drivers, and the profitability of recent membership growth. Analyst Commentary Recent Street research around Humana has turned more cautious, with multiple firms cutting price targets and some shifting to more neutral stances.
내러티브 업데이트 • Feb 21

HUM: Medicare Advantage Margin Uncertainty Will Drive A Prolonged Earnings Reset

Humana's analyst fair value estimate has been reset from about $199.74 to $146.00. This reflects a broad wave of lower price targets as analysts factor in updated EPS guidance, Medicare Advantage margin uncertainty, and recent model revisions after Q4 results and regulatory developments.
내러티브 업데이트 • Feb 07

HUM: Policy And Margin Headwinds Will Shape A Gradual Recovery Path

Narrative Update on Humana The analyst price target for Humana has been reduced by about $18.75. Analysts point to recent downgrades, cautious reactions to CMS rate developments, and more conservative margin assumptions, even as they acknowledge potential longer term sector recovery drivers.
분석 기사 • Feb 05

Humana Inc. (NYSE:HUM) Might Not Be As Mispriced As It Looks After Plunging 30%

Humana Inc. ( NYSE:HUM ) shareholders won't be pleased to see that the share price has had a very rough month, dropping...
내러티브 업데이트 • Jan 24

HUM: Margin And Policy Uncertainty Will Drive A More Cautious Outlook

Narrative Update Analysts have trimmed their price expectations for Humana, with the updated fair value estimate moving from about US$224 to roughly US$218. This reflects a higher discount rate, more cautious profit margin assumptions, and a lower future P/E multiple, even though modeled revenue growth is higher and recent research views are a mix of supportive and more restrained perspectives.
내러티브 업데이트 • Jan 08

HUM: Legal Appeals And Margin Recovery Prospects Will Shape Balanced Outlook

Humana's updated analyst price target has edged down by about $1 to roughly $287. Analysts are balancing slightly higher long term revenue and margin assumptions with mixed ratings that range from Sell to Outperform across recent research.
분석 기사 • Dec 19

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Humana Inc. ( NYSE:HUM ) has announced that it will pay a dividend of $0.885 per share on the 30th of January. This...
내러티브 업데이트 • Dec 14

HUM: Legal Appeals And Star Ratings Will Shape Balanced Outlook Ahead

Analysts have modestly increased Humana's fair value estimate by about $2 to roughly $288, reflecting slightly stronger projected revenue growth and improved earnings visibility, even as they incorporate more conservative sector margin assumptions and ongoing concerns about Medicare Advantage and Medicaid cyclicality. Analyst Commentary Recent Street research paints a mixed picture for Humana, with modest upside to fair value supported by improving earnings visibility, but tempered by meaningful concerns around Medicare Advantage dynamics, contract diversification efforts, and broader managed care cyclicality.
분석 기사 • Dec 05

Humana (NYSE:HUM) Is Paying Out A Dividend Of $0.885

Humana Inc.'s ( NYSE:HUM ) investors are due to receive a payment of $0.885 per share on 30th of January. This payment...
내러티브 업데이트 • Nov 30

HUM: Shares Should Rebound As Legal Efforts Progress On Medicare Bonus Cuts

Humana's analyst price target has been modestly reduced from $288.46 to $286.63. Analysts are factoring in more conservative margin assumptions following recent quarterly results and updated evaluations of the company's revenue growth and profitability outlook.
분석 기사 • Nov 16

Humana (NYSE:HUM) Has Announced A Dividend Of $0.885

Humana Inc. ( NYSE:HUM ) has announced that it will pay a dividend of $0.885 per share on the 30th of January. This...
내러티브 업데이트 • Nov 15

HUM: Confidence Will Increase As Medicare Advantage Star Ratings Recover

Humana's analyst price target has been revised lower by approximately $7 to $288.46. Analysts cite a more cautious outlook on margins and an uneven recovery in Medicare Advantage profitability.
분석 기사 • Nov 13

Humana's (NYSE:HUM) Conservative Accounting Might Explain Soft Earnings

Investors were disappointed with the weak earnings posted by Humana Inc. ( NYSE:HUM ). However, our analysis suggests...
분석 기사 • Nov 02

Humana (NYSE:HUM) Will Pay A Dividend Of $0.885

The board of Humana Inc. ( NYSE:HUM ) has announced that it will pay a dividend on the 30th of January, with investors...
내러티브 업데이트 • Nov 01

HUM: Medicare Advantage Stars And ACA Premiums Will Shape Balanced Near-Term Outlook

Humana's analyst price target increased slightly, rising by approximately $0.83 to $295.38. Analysts cite mixed dynamics in Medicare Advantage star ratings and improving earnings visibility as factors supporting cautious optimism.
내러티브 업데이트 • Oct 18

AI, In-Home Visits, Medicaid And CenterWell Will Improve Care Delivery

Humana’s analyst price target increased slightly to $294.54 from $292.87. Analysts cite improved earnings visibility and the stability of Medicare Advantage star ratings as supporting factors for the upward revision.
내러티브 업데이트 • Oct 04

AI, In-Home Visits, Medicaid And CenterWell Will Improve Care Delivery

Humana's analyst price target has fallen from approximately $299 to $293 per share, as analysts cite ongoing challenges in Medicare Advantage star ratings and a more cautious growth outlook. This comes despite recent plan diversification efforts.
내러티브 업데이트 • Sep 05

AI, In-Home Visits, Medicaid And CenterWell Will Improve Care Delivery

Humana’s modestly higher fair value reflects improving investor sentiment, positive management commentary on future plan positioning, raised earnings guidance, and incremental legislative benefits, offset by some caution around interest rates and policy uncertainty, resulting in the consensus analyst price target rising slightly from $293.05 to $294.86. Analyst Commentary Improved investor sentiment and sector group valuations suggest estimates may have bottomed, with upcoming catalysts including government budget deals, Medicare Advantage and ACA pricing, and star ratings for future plans.
분석 기사 • Aug 26

Humana (NYSE:HUM) Has Affirmed Its Dividend Of $0.885

Humana Inc. ( NYSE:HUM ) will pay a dividend of $0.885 on the 31st of October. The dividend yield is 1.2% based on this...
분석 기사 • Aug 15

Humana Inc. (NYSE:HUM) Stocks Shoot Up 27% But Its P/E Still Looks Reasonable

NYSE:HUM 1 Year Share Price vs Fair Value Explore Humana's Fair Values from the Community and select yours Humana Inc...
Seeking Alpha • Feb 12

Humana Q4 Earnings Review: A Tough Quarter -- And A Rating Downgrade

Summary Humana Inc.'s Q4 and full-year 2024 earnings report shows a 10% revenue increase but significant losses, highlighting major structural issues in its business model. Rising healthcare utilization and insufficient CMS rate increases have severely impacted Humana's profitability, with shares down 50% from their 2023 peak. New management aims to improve efficiency and service quality, but the company's future hinges on CMS rate decisions and star-rating litigation outcomes. Given the high uncertainty and potential for further losses, I recommend a “Hold” on HUM shares unless willing to take substantial risk. Read the full article on Seeking Alpha

이익 및 매출 성장 예측

NYSE:HUM - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)
날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수
3/31/2026137,2001,1301,2721,844N/A
12/31/2025129,6641,188375921N/A
9/30/2025126,3621,2911,5472,045N/A
6/30/2025123,1101,5762,4392,932N/A
3/31/2025120,2621,7102,3812,874N/A
12/31/2024117,7611,2072,3912,966N/A
9/30/2024115,0101,359-4,344-3,640N/A
6/30/2024112,0361,711-5,054-4,246N/A
3/31/2024109,2431,991-3,241-2,283N/A
12/31/2023106,3742,4892,9773,981N/A
9/30/2023102,3513,0154,9925,988N/A
6/30/202398,7273,37812,13913,189N/A
3/31/202395,6423,1159,90710,972N/A
12/31/202292,8702,8063,4504,587N/A
9/30/202291,4852,8078,3859,618N/A
6/30/202290,5123,1432,7294,000N/A
3/31/202287,4953,0352,0803,401N/A
12/31/202183,0642,9339202,262N/A
9/30/202182,2012,6731,4002,641N/A
6/30/202180,4502,4824561,621N/A
3/31/202178,8883,7223,2664,328N/A
12/31/202077,1553,3674,6755,639N/A
9/30/202074,3884,1534,9705,868N/A
6/30/202070,5543,5025,6376,495N/A
3/31/202067,7162,614N/A4,862N/A
12/31/201964,8882,707N/A5,284N/A
9/30/201962,7612,550N/A4,439N/A
6/30/201960,7262,505N/A942N/A
3/31/201958,7401,758N/A-617N/A
12/31/201856,9121,683N/A2,173N/A
9/30/201855,9331,512N/A-405N/A
6/30/201855,0091,367N/A3,513N/A
3/31/201854,2841,824N/A3,532N/A
12/31/201753,7672,448N/A4,051N/A
9/30/201753,4561,863N/A4,189N/A
6/30/201753,8681,814N/A5,829N/A
3/31/201754,3411,475N/A5,639N/A
12/31/201654,379614N/A1,936N/A
9/30/201654,8621,116N/A5,046N/A
6/30/201654,531980N/A1,575N/A
3/31/201654,2561,100N/A1,263N/A
12/31/201554,2891,276N/A868N/A
9/30/201553,2561,320N/A724N/A

애널리스트 향후 성장 전망

수입 대 저축률: HUM 의 연간 예상 수익 증가율(28.9%)이 saving rate(3.5%)보다 높습니다.

수익 vs 시장: HUM 의 연간 수익(28.9%)이 US 시장(16.6%)보다 빠르게 성장할 것으로 예상됩니다.

고성장 수익: HUM 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.

수익 대 시장: HUM 의 수익(연간 5.4%)이 US 시장(연간 12.3%)보다 느리게 성장할 것으로 예상됩니다.

고성장 매출: HUM 의 수익(연간 5.4%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.

주당순이익 성장 예측

향후 자기자본이익률

미래 ROE: HUM의 자본 수익률은 3년 후 13%로 낮을 것으로 예상됩니다.

성장 기업 찾아보기

7D

1Y

7D

1Y

7D

1Y

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/07/29 07:04
종가2026/07/29 00:00
수익2026/06/30
연간 수익2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
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시장 가격30년
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  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
  • 이사회
주요 개발10년
  • 회사 공시

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산업 및 섹터 지표

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분석가 소스

Humana Inc.는 37명의 분석가가 다루고 있습니다. 이 중 21명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가기관
David ToungArgus Research Company
Hua HaBaird
Andrew MokBarclays