Yahoo! Finance Canada report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Why HUM Stock slipped -0.73% Today — RQD Quant Desk Flash
Humana Inc. (HUM) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is HUM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼
As of 2026-11-02, Humana Inc. (NYSE: HUM) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $414.50 (-0.73% 1D, market cap $50.14B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 18/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 9/20. Across 1016 tracked Health Care issuers, HUM ranks #131 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does HUM compare to ILMN and NTRA in the Health Care sector?
▼
Within the Health Care sector (Medical Specialities), HUM carries a Roarable C (64/100 RQD), trailing P/E of 42.2x, gross margin of —, and ROIC of 8.3%. By comparison, ILMN (Illumina Inc.) holds a B+ grade (77/100 RQD, P/E 51.5x, ROIC 18.2%, cap $43.80B) and NTRA (Natera Inc.) posts a B- grade (70/100 RQD, P/E N/A, ROIC -4.9%, cap $62.85B). Among the 5-stock peer group, CI leads on earnings multiple (13.2x) while ILMN leads on capital efficiency (18.2% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for HUM?
▼
Per HUM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000049071), Humana Inc. generated $129.66B in revenue (+10.1% YoY), $1.19B in net income, and $375.0M in free cash flow against $48.91B in total assets and $12.37B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 5.03 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
20D Institutional Volume Accumulation (±7.3% realized swing band)
Disciplined Float (+0.80% YoY Shares) & executive Form 4 sales trim 11 pts from alignment
⚔️ Adversarial Opposing Case: Why the HUM Bull Thesis Could Fail
Even with a 64/100 (C) score, HUM faces multiple-compression risk if 42.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Company executives have done more routine share selling than personal cash buying lately.
Priced at 42x earnings—high expectations leave less room for a lukewarm quarter.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($402.42) or 200D SMA ($309.73) invalidates the momentum regime and cuts Target Base ($425.69) toward Bear Floor ($332.04).
Why HUM Stock slipped -0.73% Today — RQD Quant Desk Flash
Humana Inc. (HUM) slipped -0.73% to $414.50, trading at 86% of its 52-week range ($163.11 – $456.5). Solid steady margins (8% return on capital), mixed timing at 42x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 86% of its 52-week range ($163.11 – $456.5) with RSI-14 at 53.9 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±7.3% around $414.50 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $375.0M annual free cash flow.
Investopedia report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Quartz report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Humana (HUM) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
For questions about this article or underlying research, email help@trefis.com.
Scheduled RQD Strong Buys & Whale Accumulation Briefing (HUM Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
HUM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +10.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on HUM today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for HUM. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HUM)
1. Head-to-Head Health Care Peer Comparison (HUM vs. ILMN, NTRA, CNC, CI)
Industry: Medical Specialities (41 Tracked Issuers)Across 1016 tracked Health Care securities in the Roarable RQD universe, Humana Inc. (HUM) ranks #131 by composite RQD confidence (64/100, grade C) and #39 by equity capitalization ($50.14B). Within this direct 5-issuer industry benchmark cohort, CI leads on earnings valuation at 13.2x trailing P/E, while ILMN leads on capital efficiency and profitability with 18.2% ROIC and 66.1% gross margin. ILMN currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with HUM at 64/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| HUM
ACTIVE
Humana Inc. | C | 64/100 | 42.2x | — | 8.3% | -0.73% | $50.14B | Benchmark Subject |
| ILMN Illumina Inc. | B+ | 77/100 | 51.5x | 66.1% | 18.2% | -18.64% | $43.80B | /ilmn-vs-hum → |
| NTRA Natera Inc. | B- | 70/100 | — | — | -4.9% | -4.98% | $62.85B | /ntra-vs-hum → |
| CNC Centene Corporation | C | 63/100 | — | 8.1% | -31.0% | -0.25% | $33.97B | /cnc-vs-hum → |
| CI The Cigna Group | D+ | 53/100 | 13.2x | 21.8% | 8.8% | -0.06% | $78.85B | /ci-vs-hum → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000049071In its most recent audited fiscal period (FY2025, filed 2025-12-31), Humana Inc. (HUM) reported GAAP revenue of $129.66B (+10.1% vs. FY2024 revenue of $117.76B , and +21.9% cumulative change since FY2023) , GAAP net income of $1.19B, operating cash flow of $921.0M, and free cash flow of $375.0M (-84.3% YoY). On the balance sheet, HUM closed FY2025 with $48.91B in total assets against $12.37B in total debt (Altman Z-Score: 5.03, Piotroski F-Score: 7/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $129.66B | $1.19B | $921.0M | $375.0M | $48.91B | $12.37B |
| FY2024 (FY) | 2024-12-31 | $117.76B | $1.21B | $2.97B | $2.39B | $46.48B | $11.14B |
| FY2023 (FY) | 2023-12-31 | $106.37B | $2.49B | $3.98B | -$805.8M | $127.65B | $29.87B |
3. HUM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs HUM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Humana Inc. (NYSE: HUM) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $414.50 (-0.73% 1D, market cap $50.14B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 18/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 9/20. Across 1016 tracked Health Care issuers, HUM ranks #131 in composite RQD confidence.
How does HUM compare to ILMN and NTRA in the Health Care sector?
Within the Health Care sector (Medical Specialities), HUM carries a Roarable C (64/100 RQD), trailing P/E of 42.2x, gross margin of —, and ROIC of 8.3%. By comparison, ILMN (Illumina Inc.) holds a B+ grade (77/100 RQD, P/E 51.5x, ROIC 18.2%, cap $43.80B) and NTRA (Natera Inc.) posts a B- grade (70/100 RQD, P/E N/A, ROIC -4.9%, cap $62.85B). Among the 5-stock peer group, CI leads on earnings multiple (13.2x) while ILMN leads on capital efficiency (18.2% ROIC).
What are the biggest fundamental strengths and SEC risk factors for HUM?
Per HUM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000049071), Humana Inc. generated $129.66B in revenue (+10.1% YoY), $1.19B in net income, and $375.0M in free cash flow against $48.91B in total assets and $12.37B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is HUM trading relative to its 50-day, 200-day, and 52-week technical levels?
HUM last traded at $414.50 (-0.73% on volume of 887,972 shares), positioning the stock +3.00% above its 50-day simple moving average ($402.42) and +33.83% above its 200-day simple moving average ($309.73). Across its 52-week range of $163.11 to $456.50, HUM sits at the 85.7% percentile with a 14-day RSI of 53.9 (NEUTRAL RANGE) and an implied next-earnings move of ±7.3% ($384.24 to $444.76).
HUM Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is HUM stock moving today?
Why HUM Stock slipped -0.73% Today — RQD Quant Desk Flash. Solid steady margins (8% return on capital), mixed timing at 42x P/E—hold if owned, no rush to chase.
HUM — Humana Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, HUM scores 64 out of 100, a letter grade of C, with the verdict "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:
- Fundamental Cash Engine: 9 / 20. Per the RQD rating this reflects ROIC of 8.3% and an FCF yield of 0.75%. Cash generation is the weakest part of the thesis relative to the stock's valuation.
- Whale 13F Flow: 16 / 20. Per the RQD rating, this pillar captures institutional accumulation and options positioning, and is among the stronger scores.
- Insider Conviction: 9 / 20. Per the RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow and is comparatively weak.
- Macro Regime Fit: 12 / 20. Per the RQD rating, this reflects a beta of 0.88 and sector sensitivity; the stock's low beta is a defensive attribute, but the pillar score is middling.
- Forensic Balance Sheet: 18 / 20. Per the RQD rating, Altman Z of 5.03, Piotroski F of 7/9, and Debt/Equity of 0.7 make this the strongest pillar.
For a prospective investor evaluating the stock today, the rating points to a balanced setup rather than a clear-cut opportunity. The upside case rests on balance-sheet strength and institutional interest. The valuation tradeoff is significant: per the market data, the trailing P/E is 42.2 and the forward P/E is 39.2, while FCF yield is only 0.75%, meaning the price embeds expectations that current free-cash generation does not yet cover. Investors should weigh whether the earnings recovery implied by forward multiples materializes before treating the rating as a constructive signal.
Snapshot
Business
Humana Inc. is a NYSE-listed issuer in the Health Care sector and the Medical Specialities industry, per the profile. Per the SEC financials, the company reported FY 2025 revenue of $129664.0M. Per the profile, the source data does not itemize its products, customer segments, or revenue streams beyond sector and industry classification. Not available in source data for detailed business model descriptions.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $129664.0M | $2704.0M | $1188.0M | N/A | $375.0M | $4200.0M | $12369.0M |
| FY 2024 | $117761.0M | $2562.0M | $1207.0M | N/A | $2391.0M | $2221.0M | $11144.0M |
| FY 2023 | $106374.0M | $4013.0M | $2489.0M | N/A | $-805.8M | N/A | $29869.8M |
Per the SEC financials, revenue grew from $106374.0M in FY 2023 to $129664.0M in FY 2025, while net income declined from $2489.0M to $1188.0M over the same span. Per the market data, the operating margin is 2.1%, the net margin is 0.9%, and the gross margin is listed as 0%. Per the market data, ROIC is 8.3%. Per the RQD rating, the Altman Z-Score is 5.03 and the Piotroski F-Score is 7/9, and Debt/Equity is 0.7. Per the SEC financials, FY 2025 debt of $12369.0M is well below the FY 2023 figure of $29869.8M, and cash rose to $4200.0M.
Recent Catalysts & News Wire Analysis
Per the recent news feed, the most recent items are tagged as catalysts or market-wire items. Catalyst-tagged headlines reference the Medicare Advantage star ratings: "Humana Stock Jumps on Raised Medicare Advantage Ratings" (Investopedia, GREEN) and "Humana stock rises 15% after Medicare quality ratings jump" (Quartz, GREEN). Market-wire items include "Humana's Star Ratings Progress Doesn't Erase Valuation Concerns" (Seeking Alpha, YELLOW), which flags valuation as a counterweight to the ratings improvement, and "Humana (HUM) Stock Trades Up, Here Is Why" (Yahoo Finance, YELLOW). Risk watch: the Seeking Alpha headline explicitly names valuation concerns. Proprietary signals: Not available in source data; the Butterfly Supply-Chain Graph lists no proprietary signals.
HUM Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Humana Inc. (HUM) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Investopedia report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Quartz report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.
HUM Bull vs. Bear Conversation Board — What's Your Call at $414.50?
🔥 Official Bull vs. Bear Debate: Is HUM (C • RQD 64/100) a Buy at $417.56?
Welcome to the HUM (Humana Inc.) Roar Pit. Current RQD Composite is 64/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Medical Specialities. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (42.2x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on HUM — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on HUM, but look at what you are paying: 42.2x trailing P/E with tightening sector spreads. Unless Humana Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
HUM cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on HUM, the market is fixating on short-term headline noise in Medical Specialities and ignoring the balance sheet and cash flow trajectory. At $417.56 (52-wk range $163.11 - $456.50), any beat on forward guidance forces shorts and underweight funds to chase.