HUM
HumanaNYSEHealth CareHealthcare PlansSnapshot 2026-05-08
As of May 8, 2026, HUM has a composite score of 22.4, categorized as "mild favorable." This score is influenced by a medium confidence level of 75.3 and elevated risk, with a total risk score of 54.0. Key drivers include macroeconomic factors such as labor, rates, growth, and inflation. The scores indicate strengths in quality (67.8) and valuation (57.8), while the sector score is low at 7.6.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share0.88
- Slope (norm)-0.68
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $4.49 → $6.51 (+45.0% / 30d). 18 raised, 1 cut, 24 covering analysts.
0 upgrades, 0 downgrades / 30d, 9 maintained. 31% of analysts rate Buy.
8 PT revisions / 30d. Avg target 2.5% above current price.
0 positive, 0 negative / 30d.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
14 material events in the last 24 months — top 5 listed below.
Stated priorities
2 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Maintain EPS guidance of at least $9.00 for FY 2026growthbehind0% progress
4/29: “Humana affirms its Adjusted EPS guidance of 'at least $9.00' for FY 2026.”
Why this status
Stated in 3 of last 3 quarters. Humana has consistently maintained its guidance of at least $9.00 in adjusted EPS for FY 2026. However, the financials show a net income decline from $741M in 2025-Q1 to a loss of $274M in 2025-Q4, indicating limited progress towards this target.
- 2.Raise FY 2025 revenue guidance to at least $128 billiongrowthwatchprovisional
7/30: “Raises FY 2025 consolidated revenues guidance to 'at least $128 billion'.”
Why this status
Newly stated in 2025-Q2. Humana raised its FY 2025 revenue guidance to at least $128 billion. Revenue for 2025-Q4 was $23.113 billion, down from $32.649 billion in 2025-Q3, indicating a challenging trajectory towards the annual target.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 47%; 252d 51%.
Drawdown — Max 1y −47%. Bad day move −4%.
Beta to sector ETF (XLV) — 0.96 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 15/100, drawdown 6/100, beta 97/100, earnings vol —.
via XLV
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Maintain EPS guidance of at least $9.00 for FY 2026
GrowthHumana aims to achieve an adjusted EPS of at least $9.00 for the fiscal year 2026.
BehindStated in 3 of last 3 quarters. Humana has consistently maintained its guidance of at least $9.00 in adjusted EPS for FY 2026. However, the financials show a net income decline from $741M in 2025-Q1 to a loss of $274M in 2025-Q4, indicating limited progress towards this target.
0%CEO/CFO:“Humana affirms its Adjusted EPS guidance of 'at least $9.00' for FY 2026.”Multiple sourcesSource dated 2026-04-29Stated 3 of last 8 quartersFirst seen 2026-04-29Show history (3)
- 2026-Q1Multiple sources
“Humana introduces its GAAP EPS guidance for FY 2026 of 'at least $8.89', or 'at least $9.00' on an Adjusted basis.”
- 2025-Q4Multiple sources
“the Company intends to reaffirm its guidance of at least $8.89 in diluted EPS or at least $9.00 in adjusted EPS for FY 2026.”
- 2025-Q3Multiple sources
“while affirming its Adjusted EPS guidance of 'at least $9.00'”
- #2
Raise FY 2025 revenue guidance to at least $128 billion
GrowthHumana has increased its revenue guidance for FY 2025 to at least $128 billion.
WatchNewly stated in 2025-Q2. Humana raised its FY 2025 revenue guidance to at least $128 billion. Revenue for 2025-Q4 was $23.113 billion, down from $32.649 billion in 2025-Q3, indicating a challenging trajectory towards the annual target.
No scoreCEO/CFO:“Raises FY 2025 consolidated revenues guidance to 'at least $128 billion'.”Multiple sourcesSource dated 2025-07-30Stated 1 of last 8 quartersFirst seen 2025-07-30provisionalShow history (1)
- 2025-Q2Multiple sources
“Raises FY 2025 consolidated revenues guidance to 'at least $128 billion'.”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Roughly priced in line with peers.
Around its own typical valuation.
P/E over the last 5 years
71 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
HUM Humana | +22 | fair | elevated |
LLY Lilly (Eli) | +21 | full | moderate |
JNJ Johnson & Johnson | +18 | full | low |
ABBV AbbVie | +12 | fair | low |
UNH UnitedHealth Group | +24 | fair | elevated |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If health_care sector trend rises from +0.06 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is raised (currently INITIATED as of 2026-04-29)+4.0 pts
- If next-quarter guidance is cut (currently INITIATED as of 2026-04-29)-8.0 pts
- If labor state reverses from -0.31 (negative) to +0.31 (positive)-6.8 pts
- If health_care sector trend falls from +0.06 into 'weakening' (<= -0.20)-5.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-299d agoItem 2.02
Results of Operations and Financial Condition.
earnings preannouncementneutralscore 53 - 2026-04-1028d agoItem 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. (d) On April 10, 2026, the Board of Directors (the “Board”) of Humana Inc. (the “Company”) expanded its number of authorized directors from ten to eleven and elected Robert S. Field as a director of the Company, in each case effective immediately following the adjournment of the Humana Inc. 2026 Annual Meeting of Stockholders on April 16, 2026. The…
executive changeneutralscore 30 - 2026-03-092mo agoItem 1.01
Entry into a Material Definitive Agreement. Underwriting Agreement On March 5, 2026, Humana Inc. (the “Company”) entered into an underwriting agreement (the “Underwriting Agreement”) with Goldman Sachs & Co. LLC, J.P. Morgan Securities LLC, Mizuho Securities USA LLC, Truist Securities, Inc. and Wells Fargo Securities, LLC, as representatives of the several underwriters (together, the “Underwriters”), pursuant to which the Company agreed to issue and sell to the Underwriters $1.0 billion aggre…
capital allocationneutralscore 16 - 2026-03-092mo agoItem 2.03
Creation of a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant. The information required by
capital allocationnegativescore 13 - 2026-03-022mo agoItem 7.01
Regulation FD Disclosure. Members of Humana Inc.’s (the “Company”) senior management team are scheduled to meet with investors and analysts at various meetings between March 2, 2026 and March 31, 2026. During these meetings, the Company intends to reaffirm its guidance of at least $8.89 in diluted earnings per common share (“EPS”) or at least $9.00 in adjusted earnings per common share (“Adjusted EPS”), in each case for the year ending December 31, 2026 (“FY 2026”). This guidance is consisten…
legal regulatorynegativescore 11
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.