GuruFocus·4 days ago
Did Humana Inc. Insiders Breach their Fiduciary Duties to Shareholders?Did Humana Inc. Insiders Breach their Fiduciary Duties to Shareholders? PR Newswire NEW YORK, July 3, 2026
Humana Inc.(HUM)Earnings, Financials & Key Ratios
HUM•NYSE
$394.62
40.1× P/E·Price updated Jul 7, 2026
AboutHumana Inc., together with its subsidiaries, operates as a health and well-being company in the United States. It operates through three segments: Retail, Group and Specialty, and Healthcare Services. The company offers medical and supplemental benefit plans to individuals. It also has a contract with Centers for Medicare and Medicaid Services to administer the Limited Income Newly Eligible Transition prescription drug plan program; and contracts with various states to provide Medicaid, dual eligible, and long-term support services benefits. In addition, the company provides commercial fully insured medical and specialty health insurance benefits comprising dental, vision, and other supplemental health benefits; and administrative services only products to individuals and employer groups, as well as military services, such as TRICARE T2017 East Region contract. Further, it offers pharmacy solutions, provider services, and home solutions services, such as home health and other services to its health plan members, as well as to third parties. As of December 31, 2021, the company had approximately 17 million members in medical benefit plans, as well as approximately 5 million members in specialty products. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.Show more
- Revenue$129.66B+10.1%
- EBITDA$2.28B-12.3%
- Net Income$1.19B-1.6%
- EPS (Diluted)9.84-1.4%
- Gross Margin14.54%-0.1%
- EBITDA Margin1.76%-20.3%
- Operating Margin1.12%-18.9%
- Net Margin0.92%-10.6%
- ROE6.95%-5.7%
HUM Price & Volume
Humana Inc. (HUM) stock price & volume — 10-year historical chart
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Medicare Advantage Growth Faces Persistent Margin Headwinds
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CMS reimbursement rate volatility
Key Thesis Takeaways
- Humana demonstrates robust top-line expansion with 23.5% year-over-year revenue growth in 2026Q1, yet the firm remains constrained by structural margin volatility and recurring seasonal operating losses.
- While the company maintains a stable debt-to-equity ratio of 0.75, the reliance on government-funded programs creates a binary risk profile sensitive to CMS reimbursement shifts.
- Investors should monitor whether the ongoing capital deployment into the CenterWell provider ecosystem can effectively offset the persistent pressure on medical loss ratios.
Verdict Logic
while revenue growth is accelerating, the forward P/E of 43.47 and the recurring seasonal operating losses, such as the $1.0 billion loss in 2025Q4, suggest significant execution risk remains.
HUM Growth Metrics
Humana Inc. (HUM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.1%
5 Years10.93%
3 Years11.75%
TTM14.08%
Profit CAGR
10 Years-0.71%
5 Years-18.81%
3 Years-24.91%
TTM-33.92%
EPS CAGR
10 Years1.55%
5 Years-17.22%
3 Years-23.62%
TTM-33.92%
Return on Capital
10 Years11.12%
5 Years8.12%
3 Years6.17%
Last Year3.95%
HUM Recent Earnings
Humana Inc. (HUM) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$10.31+0.7%
$10.24
Rev
$39.6B+0.7%
$39.4B
Q1 2026
Feb 11, 2026Metric
Actual
Est
EPS
$3.96+1.0%
$4.00
Rev
$32.5B+1.5%
$32.0B
Q4 2025
Nov 5, 2025Metric
Actual
Est
EPS
$3.24+10.6%
$2.93
Rev
$32.6B+2.0%
$32.0B
Q3 2025
Jul 30, 2025Metric
Actual
Est
EPS
$6.27+5.9%
$5.92
Rev
$32.4B+1.6%
$31.9B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $10.31vs $10.24+0.7% | $39.6Bvs $39.4B+0.7% |
| Q1 2026 | Feb 11, 2026 | $3.96vs $4.00+1.0% | $32.5Bvs $32.0B+1.5% |
| Q4 2025 | Nov 5, 2025 | $3.24vs $2.93+10.6% | $32.6Bvs $32.0B+2.0% |
| Q3 2025 | Jul 30, 2025 | $6.27vs $5.92+5.9% | $32.4Bvs $31.9B+1.6% |
Based on last 12 quarters of dataView full earnings history →
Latest HUM News
Recent stock market news and headlines for Humana Inc. (HUM)
PRNewsWire·4 days ago
Did Humana Inc. Insiders Breach their Fiduciary Duties to Shareholders?Shareholders are encouraged to contact the firm to discuss their rights and options at no cost or obligation. We would handle any matter on a contingent fee basis, whereby you would not be responsible for out-of-pocket payment of our legal fees or expenses.
Business Wire·Jun 30, 2026
The Humana Foundation Deepens Investment in Emotional Health, Announcing Over $12 Million in New GrantsLOUISVILLE, Ky.--(BUSINESS WIRE)--The Humana Foundation, the philanthropic arm of Humana Inc. (NYSE: HUM) for the past 45 years, today announced its first slate of 2026 grants, dedicating over $12.2 million to programs and research focused on emotional well-being. The funding will support 13 nonprofit organizations and five university research teams focused on combating loneliness, depression and social isolation among seniors and veterans nationwide. The 2026 national grants scale the Foundati.
PRNewsWire·Jun 30, 2026
Dario Appoints Former Humana Chief Compliance Officer Sean O'Reilly to Advisory Board to Support Strategic Growth and Healthcare PartnershipsO'Reilly's extensive experience across healthcare compliance, risk management, regulatory oversight and payer operations expected to support Dario's continued expansion with health plans, employers and providers as Dario moves closer to care O'Reilly's track record of leveraging advanced data analytics and AI in supporting value-based care strongly aligned with Dario's AI transition NEW YORK, June 30, 2026 /PRNewswire/ -- DarioHealth Corp. (NASDAQ: DRIO) (the "Company", "DarioHealth" or "Dario"), a leader in AI-enabled digital health solutions, today announced the appointment of Sean O'Reilly to its Advisory Board. The appointment reflects Dario's continued focus on strengthening its strategic guidance as the Company advances its channel partner-led growth strategy and moves closer to care across the payer, provider and employer markets.
Zacks Investment Research·Jun 29, 2026
How CenterWell Is Driving Humana's Growth Beyond InsuranceCenterWell's rapid growth is helping HUM expand beyond insurance with integrated care, acquisitions, AI and a 2026 revenue target of at least $25B.
Peers Comparison
Key metrics vs top competitors for Humana Inc. (HUM)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $394.62 | $47.38B | 40.10 | 10.06% | 0.92% | 6.95% | 0.9% | |
| $428.19 | $388.86B | 32.37 | 11.81% | 2.68% | 11.54% | — | |
| $104.33 | $133.12B | 75.06 | 7.85% | 0.72% | 3.86% | — | |
| $418.85 | $90.96B | 16.67 | 12.62% | 2.62% | 11.92% | — | |
| $66.12 | $32.65B | -4.85 | 19.44% | -3.25% | -28.6% | — | |
| $232.90 | $12.13B | 26.11 | 11.75% | 0.42% | 4.44% | — |
Compare HUM vs Peers
Humana Inc. (HUM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HUM SEC Filings & Documents
Humana Inc. (HUM) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Apr 29, 2026·SEC
Material company update
Apr 20, 2026·SEC
Material company update
Apr 10, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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HUM Frequently Asked Questions
Humana Inc. (HUM) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Humana Inc.'s revenue?
Humana Inc. (HUM) reported $137.20B in revenue for fiscal year 2025. This represents a 1921% increase from $6.79B in 1996.
How fast is Humana Inc. growing?
Humana Inc. (HUM) grew revenue by 10.1% over the past year. This is steady growth.
Is HUM profitable?
Yes, Humana Inc. (HUM) is profitable, generating $1.13B in net income for fiscal year 2025 (0.9% net margin).
Dividend & Returns
Does HUM pay dividends?
Yes, Humana Inc. (HUM) pays a dividend with a yield of 0.90%. This makes it attractive for income-focused investors.
What is HUM's return on equity?
Humana Inc. (HUM) has a return on equity (ROE) of 7.0%. This is below average, suggesting room for improvement.
What is Humana Inc.'s free cash flow?
Humana Inc. (HUM) generated $1.27B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.