Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
Humana Inc(HUM)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HUM
10/27/2026: HUM (3-star) is a STRONG-BUY. BUY for 12 days. Simulated Profits (-4.30%). Updated daily EoD!
Humana Inc is a prominent US managed healthcare company known for its focus on government-sponsored insurance plans, particularly Medicare Advantage. The firm has built a leading position through its scale and an integrated approach, most notably by expanding its CenterWell business to provide primary and home-based care. While the aging population offers a long-term growth opportunity, the company faces significant risks from regulatory reimbursement pressure, rising medical utilization, and stiff competition from larger diversified peers. The stock may suit investors seeking exposure to healthcare trends, though high sensitivity to policy changes warrants caution. Monitoring the margin trends at CenterWell and Medicare Advantage plan performance is essential.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely dependent on demographic trends and government policy rather than aggressive innovation-led expansion. |
| Momentum investor | Weak fit | The stock has experienced significant volatility and headwinds, making it less attractive for momentum strategies currently. |
| Value investor | Strong fit | The stock is often viewed as a value play when trading at lower multiples relative to historical averages. |
| Dividend investor | Strong fit | Humana provides a reliable dividend, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | Regulatory and reimbursement risks inherent in the business model can lead to significant stock price volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Changes in government reimbursement policies can lead to sharp fluctuations in the share price. |
| Valuation risk | Medium | Market sentiment toward healthcare managed care can lead to P/E ratio compression during earnings misses. |
| Competition risk (Medicare Advantage market share) | High | Intense pricing battles and service quality competition with larger peers like UnitedHealth threaten margins. |
| Business quality | Strong | The company maintains a robust franchise in the specialized Medicare Advantage segment. |
| Dividend income | Low | The dividend is well-covered and stable, representing low risk to income-seeking investors. |
| Execution risk | Medium / high | Integrating and scaling the CenterWell service model requires consistent operational execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -14.55% | Avg. Invested days 27 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/27/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 50.10B USD | Price to earnings Ratio 39.43 | 1Y Target Price 465.12 |
Price to earnings Ratio 39.43 | 1Y Target Price 465.12 | ||
Volume (30-day avg) 1.5M shares | Beta 0.74 | 52 Weeks Range 161.90 - 456.50 | Updated Date 10/26/2026 |
52 Weeks Range 161.90 - 456.50 | Updated Date 10/26/2026 | ||
Dividends yield (FY) 0.84% | Basic EPS (TTM) 10.58 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance | Premiums from Medicare Advantage, Medicare Supplement, and other health plans. | The company collects insurance premiums, with profit depending on keeping medical costs lower than the premiums charged. |
| CenterWell | Pharmacy benefits management, home health, and primary care clinical services. | Humana earns money by providing direct medical care and pharmacy services to patients. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 39.43 | Forward PE 26.45 | Enterprise Value 58.04B | Price to Sales(TTM) 0.34 |
Enterprise Value 58.04B | Price to Sales(TTM) 0.34 | ||
Enterprise Value to Revenue 0.4 | Enterprise Value to EBITDA - | Shares Outstanding 120.08M | Shares Floating 119.83M |
Shares Outstanding 120.08M | Shares Floating 119.83M | ||
Percent Insiders 0.21 | Percent Institutions 102.06 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.