Humana stock
HUMNYSEHumana Inc., HealthcareISIN US4448591028
63Score 63 out of 100, Neutral
Price and trend
87 / 100
Price history
+83% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 42% above it.
Since June 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 64).
The price is at its 52-week high. Largest decline in 20 years: 78% (January 2008 to March 2009).
Chart figures for advanced users
- SMA 50$406.95
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$314.83
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)64
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$163.67
- The lowest closing price of the last twelve months.
- Resistance$446.31
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Humana Inc. belongs to the Medical (Healthcare Plans) industry (United States) and, with a market value of $53.6B, is number 5 of 12 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $129.66B (up 10.1% year on year) and earnings of $1.19B (down 1.6%).
- For fiscal 2026, analysts expect on average revenue of $162.56B (up 25.4%) and adjusted earnings per share of $9.16 (down 46.5%).
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- MEQIRI Score 63 out of 100 (Neutral): rank 236 of 714 in Healthcare, median 53.
- The P/E is 43.7 (Medical (Healthcare Plans) median 23, own median of recent years 22.9).
- Our model puts fair value at $531.43, with the price 16% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Analysts expect strong earnings growthUp 53.5% a year through 2028 (estimates from 15 analysts).
- Reliable dividendNo dividend cut for 15 years.Capital allocation 72
- More cash than debtCash $25.11B, financial debt $12.5B.Stability 59
Weaknesses
- Richly valuedP/E 43.7, Medical (Healthcare Plans) median 23, own median 22.9.Valuation 57
- Earnings per share fallingDown 17.3% a year since 2020.Growth 36
- Volatile share priceVolatility 46% a year over the last 12 months.Stability 59
Its standout strengths are momentum and technical analysis, while growth and profitability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamentals are strong, with stable profits.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among stocks ranked 101 to 1,000.
From 2016 to 2025, 13 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- high price swings
- price up very strongly over the past year
What lowers it
- solid fundamentals
- price near its 52-week high
- stable momentum
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $379.59 and expensive above $885.71 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $827.71 (cash-flow model) and $235.15 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $454.23, at 7.8% it would be $647.96.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (23).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 22% on the twelve months before. Revenue has grown solidly since 2006, at about 10% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 15%, operating 1%, net 1%.
Debt & balance sheet
latest quarterModerate debt, and interest is adequately covered.
Earnings
- Next earnings
- 10 Feb 2027in 90 days
- Last reported
- 6 Nov 2026EPS reported −$0.70 (expected −$1.00)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $9.160.0%
- Revenue
- $162.56B0.0%
- Earnings per share
- $17.00+0.2%
- Revenue
- $167.79B0.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −5.7%Everything on track: operating cost ratio still expected to fall about 150 basis points in 2026 and the goal of a pretax margin of at least 3% in 2028 remains.
“We expect that our approach to 2027 MA bids will drive solid progress against our goal of delivering a sustainable pretax margin of at least 3% in 2028.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 29 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. One insider sold, $2.38M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Ventura Joseph CSale
9 Nov 2026, Chief Legal Officer
- Shares
- 5,495
- Price
- $433.85
- Value
- $2.38M
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Humana
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
714 rated companies in Healthcare
- This company
- 63
- Sector median
- 53
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Medical (Healthcare Plans)
The next larger and next smaller companies by market value
- UnitedHealth GroupUNH $361.04B67
- CVS HealthCVS $114.54B60
- Elevance HealthELV $92.79B69
- CignaCI $79.43B66
- CenteneCNC $34.89B54
- Molina HealthcareMOH $10.92B50
- Oscar HealthOSCR $9.93B71
- BradsaudeSAUD3.SA $8.69B80
ETFs that hold Humana
Held by 128 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares MSCI World Health Care Sector Advanced UCITS ETFCBUF | 0.84% | 0.18% | €837.43M |
| State Street SPDR S&P U.S. Health Care Select Sector UCITS ETF (Acc)ZPDH | 0.74% | 0.15% | €592.11M |
| iShares S&P 500 Health Care Sector UCITS ETFQDVG | 0.73% | 0.15% | €3.27B |
Show 5 more
| Xtrackers MSCI USA Health Care UCITS ETF 1DXUHC | 0.73% | 0.12% | €1.34B |
| Deka MSCI USA MC UCITS ETFEL41 | 0.60% | 0.30% | €51.58M |
| iShares MSCI World Momentum Factor Advanced UCITS ETFCBUH | 0.59% | 0.25% | €261.8M |
| Invesco S&P 500 QVM UCITS ETFQVMP | 0.58% | 0.35% | €50.82M |
| iShares Ageing Population UCITS ETF2B77 | 0.58% | 0.40% | €807M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 1 May 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.