HUM

ACCE-researched
Humana Inc. Common Stock
Healthcare · Healthcare Plans · NYSE · United States
$378.58-1.98%
Market cap $45.5BNext earnings 2026-11-04Updated Sep 21, 2026
FAIR VALUE · CONSENSUS
$378.58+0.0%
confidence-weighted across 4 of 6 models
Now $378.58
$378.58
$180.36$284.11
AvoidSilver66
Price vs fair value
68.6% above
-40.7% to fair value
ACCE score
63
out of 100
Analysts
35% buy
26 covering
P/E
35.8x
forward 22.9x
1-year return
+49.8%
Dividend yield
0.92%
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Overview

⚠ Investor warnings · 5 flags
  • severe
    Score collapse 15 points
    ACCE score dropped from 71 to 56 in 90 days, signaling rapid fundamental deterioration across Growth, Value, and Quality dimensions.
  • high
    Earnings declining despite revenue surge
    Revenue grew +23.5% YoY yet earnings fell -4.6%, indicating severe cost pressure eroding profitability at scale.
  • high
    Razor-thin net margin
    Net margin is only 0.8% on a managed-care book; any medical cost ratio spike could push Humana into losses immediately.
  • moderate
    Forward P/E exceeds trailing P/E
    Forward P/E of 44.6 vs trailing 43.3 implies the market expects further earnings weakness, not recovery, in coming quarters.
  • moderate
    Minimal free cash flow
    FCF of only $375M against a $48.8B market cap yields ~0.8% FCF yield, leaving little buffer for debt service or buybacks.
Reports in 43 days, last quarter beat by 0.2%.

Walk me through this stock

Plain-English pros, cons, and what to watch. Pro feature.

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Price

+46.8% · 1Y

Valuation

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Full valuation engine INVESTOR FEATURE

Six independent models converge on one confidence-weighted fair value, with full methodology and editable assumptions.

  • +All six models: DCF, P/E and EV/EBITDA comps, Graham, dividend discount, residual income
  • +Scenario bands, sensitivity tornado, and the 5-year historical valuation range
  • +Editable DCF workbench with saved scenarios

Quality

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Quality and conviction INVESTOR FEATURE

The full quality picture: conviction breakdown, earnings quality, score history, and backtested returns.

  • +Conviction score breakdown and earnings-quality grade
  • +Growth / value / quality / momentum component scores
  • +90-day score history and score-threshold backtests

Analysts

Wall Street consensus

Bearish35% buy · 26 covering analysts
● Strong buy 6● Buy 3● Hold 17● Sell 0● Strong sell 0
Analyst intelligence INVESTOR FEATURE

The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.

  • +Price-target low / average / high vs the current price, with implied upside
  • +Forward revenue and EPS consensus by fiscal year
  • +ACCE fair-value models lined up against the Street

Smart Money

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Smart money tracking PRO FEATURE

Follow the institutions: 13F position changes, insider trades, and active 13D activist filings.

  • +Quarter-over-quarter institutional position changes
  • +Recent open-market insider transactions
  • +Active 13D activist filings and top holders

Compare

Where it sits vs peers

This stock Peer Peer median weaker → stronger
P/Ebetter than 20% of peers
low 11.4x35.8xhigh 1236.3x
ROEbetter than 50% of peers
low -20%7%high 34%
Div yieldbetter than 50% of peers
low 0.0%0.9%high 3.0%

Algorithmic peers (6)

TickerCompanyMcapP/EROED/EYieldQuality
CNCCentene Corporation Common Stock$32.1B--20.4%0.870.0%-Compare
CIThe Cigna Group Common Stock$72.5B11.416.8%0.752.2%-Compare
ELVElevance Health Inc. Common Stock$88.8B18.111.1%0.731.7%-Compare
CVSCVS Health Corporation Common Stock$112.0B23.16.2%0.863.0%-Compare
MOHMolina Healthcare Inc Common Stock$10.3B1236.3-0.2%0.930.0%-Compare
OSCROscar Health Inc. Class A Common Stock$9.7B24.134.3%0.440.0%-Compare

Sector report card

Where HUM ranks against its sector peers on each metric.

Computing percentiles…

News and Record

Reports in 43 days, last quarter beat by 0.2%.

Press releases mentioning this company

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Recent performance

1 week
-7.0%
1 month
-0.1%
3 months
+5.4%
6 months
+117.3%
YTD
+47.8%
1 year
+49.8%

SEC filings

40 filings
September 2026
Sep 3
Form 4Insider transactionPeriod 2026-09-01
Sep 1
8-KCurrent reportPeriod 2026-09-01
August 2026
Aug 4
Form 4Insider transactionPeriod 2026-08-01
37 more filings + AI summaries on Investor+.INVESTOR

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