Humana (HUM) Stock Overview
Provides medical and specialty insurance products in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 3/6 |
| Past Performance | 0/6 |
| Financial Health | 4/6 |
| Dividends | 4/6 |
HUM Community Fair Values
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Analyst Price Targets
Top Community Narratives
US$212.87
FV
44.7% overvalued intrinsic discount8.70%
Revenue growth p.a.
49
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Humana Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$307.95 |
| 52 Week High | US$315.66 |
| 52 Week Low | US$163.11 |
| Beta | 0.68 |
| 1 Month Change | 43.08% |
| 3 Month Change | 74.91% |
| 1 Year Change | 35.89% |
| 3 Year Change | -37.80% |
| 5 Year Change | -28.59% |
| Change since IPO | 25,731.81% |
Recent News & Updates
Narrative Update • 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.Seeking Alpha • May 18
Humana: Perhaps The 'Buy The Dip' Thesis Was Right All Along (Rating Upgrade)
Summary Humana Inc. is upgraded to Buy as shares rebound from a >65% decline, supported by improved CMS rate decisions and activist investor involvement. Despite 2026 EPS guidance below Q1 levels, HUM targets a sustainable 3%+ Medicare Advantage margin and long-term earnings growth by 2028. Recent Q1 results exceeded revenue and adjusted EPS expectations, with a favorable medical benefit ratio and affirmed 25% MA membership growth for 2026. Activist pressure and management’s focus on pricing, benefit adjustments, and operational discipline position HUM for a potential return to >$450/share by 2028. Read the full article on Seeking AlphaNarrative Update • 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.Recent updates
Narrative Update • 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.Seeking Alpha • May 18
Humana: Perhaps The 'Buy The Dip' Thesis Was Right All Along (Rating Upgrade)
Summary Humana Inc. is upgraded to Buy as shares rebound from a >65% decline, supported by improved CMS rate decisions and activist investor involvement. Despite 2026 EPS guidance below Q1 levels, HUM targets a sustainable 3%+ Medicare Advantage margin and long-term earnings growth by 2028. Recent Q1 results exceeded revenue and adjusted EPS expectations, with a favorable medical benefit ratio and affirmed 25% MA membership growth for 2026. Activist pressure and management’s focus on pricing, benefit adjustments, and operational discipline position HUM for a potential return to >$450/share by 2028. Read the full article on Seeking AlphaNarrative Update • 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.
Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.
Narrative Update • 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.Narrative Update • 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.Analysis Article • 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...Narrative Update • 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.Narrative Update • 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.Analysis Article • 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...Narrative Update • 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.Analysis Article • 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...Narrative Update • 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.Analysis Article • 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...Narrative Update • 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.Analysis Article • 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...Analysis Article • 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...Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Analysis Article • 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...Analysis Article • 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 AlphaSeeking Alpha • Jan 10
Humana's Growth Vs. Rising Costs: Why It's A Hold For Cautious Investors
Summary Humana is doubling down on Medicare Advantage and healthcare services while cutting less profitable areas. Higher costs and lower profit margins are putting pressure on the business right now. Medicare Advantage growth and expanding healthcare services show long-term potential. Regulatory changes and restructuring costs could make the next couple of years bumpy. The stock looks fairly priced, so holding for now seems like the best move. Read the full article on Seeking AlphaSeeking Alpha • Dec 18
Humana, Cigna Plunge On Trump's Latest Promise: A Potential Buying Opportunity?
Summary The healthcare industry, particularly PBMs, faces bipartisan scrutiny, leading to significant stock declines for Humana and Cigna, presenting a contrarian investment opportunity. President-elect Donald Trump's stance on PBMs and bipartisan legislative proposals signal potential regulatory changes, creating market uncertainty for PBM-affiliated companies. Despite recent financial setbacks, Cigna and Humana show strong revenue growth, with investment losses and rising benefit costs impacting short-term profitability. Given the current low valuations, I reaffirm both Humana and Cigna as 'buy' candidates, as potential regulatory impacts may already be priced in. Read the full article on Seeking AlphaSeeking Alpha • Dec 05
Humana: Medicare Advantage Is Just A Short-Term Problem
Summary Humana's stock has declined 18% while the S&P 500 returned 13.5%, driven by short-term issues with Medicare Advantage. Despite short-term cost challenges, Medicare Advantage remains a long-term tailwind, and CenterWell coordinated care isn't priced into Humana's strategy. I maintain buy rating at a price target of $370, 28% upside. Read the full article on Seeking AlphaSeeking Alpha • Nov 05
Humana - Q3 Earnings Review: The Medicare Advantage Madness May Finally Be Over
Summary Humana's stock has fallen over 30% due to rising healthcare utilization and CMS pushing back on insurer profits, impacting MA-focused companies. Despite headwinds, Humana's Q3 earnings showed resilience with adjusted EPS of $4.16 and upgraded individual MA membership growth by 40k members. Humana aims for a 3% margin by 2027, focusing on clinical excellence, efficient operations, and strategic growth, while navigating CMS challenges and potential M&A opportunities. With a forward P/E ratio of ~14.5x and a small dividend yield, Humana remains a "Buy" for long-term recovery and potential market stabilization. Read the full article on Seeking AlphaShareholder Returns
| HUM | US Healthcare | US Market | |
|---|---|---|---|
| 7D | -0.8% | -0.3% | 1.2% |
| 1Y | 35.9% | 16.3% | 28.7% |
Return vs Industry: HUM exceeded the US Healthcare industry which returned 16.3% over the past year.
Return vs Market: HUM exceeded the US Market which returned 28.7% over the past year.
Price Volatility
| HUM volatility | |
|---|---|
| HUM Average Weekly Movement | 6.3% |
| Healthcare Industry Average Movement | 7.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: HUM has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: HUM's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1961 | 67,060 | Jim Rechtin | www.humana.com |
Humana Inc. provides medical and specialty insurance products in the United States. It operates in two segments, Insurance and CenterWell. The Insurance segment offers individual Medicare Advantage products, including health insurance benefits, including wellness programs, chronic care management, and care coordination; individual Medicare stand-alone prescription drug products (PDP); group Medicare advantage and Medicare stand-alone PDP; Medicare supplements; specialty and ancillary insurance comprising dental, vision, life and disability; and administrative services to arrange health care services for active-duty and retired military personnel and dependents, as well as pharmacy benefit managers.
Humana Inc. Fundamentals Summary
| HUM fundamental statistics | |
|---|---|
| Market cap | US$36.97b |
| Earnings (TTM) | US$1.13b |
| Revenue (TTM) | US$137.20b |
32.7x
P/E Ratio0.3x
P/S RatioIs HUM overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| HUM income statement (TTM) | |
|---|---|
| Revenue | US$137.20b |
| Cost of Revenue | US$117.98b |
| Gross Profit | US$19.22b |
| Other Expenses | US$18.09b |
| Earnings | US$1.13b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 29, 2026
| Earnings per share (EPS) | 9.41 |
| Gross Margin | 14.01% |
| Net Profit Margin | 0.82% |
| Debt/Equity Ratio | 77.1% |
How did HUM perform over the long term?
See historical performance and comparisonDividends
1.1%
Current Dividend Yield38%
Payout RatioDoes HUM pay a reliable dividends?
See HUM dividend history and benchmarks| Humana dividend dates | |
|---|---|
| Ex Dividend Date | Jun 26 2026 |
| Dividend Pay Date | Jul 31 2026 |
| Days until Ex dividend | 30 days |
| Days until Dividend pay date | 65 days |
Does HUM pay a reliable dividends?
See HUM dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/26 14:08 |
| End of Day Share Price | 2026/05/22 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Humana Inc. is covered by 40 analysts. 21 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Toung | Argus Research Company |
| Hua Ha | Baird |
| Andrew Mok | Barclays |