Stock

Humana

HUM

Medical - Healthcare Plans · Healthcare

Also trades as: 0J6Z.L GBP 4.21 (-0.90%) · 0RF7.L GBP 0.70 (-0.14%) · HUM.ST EUR 70.40 (+0.28%)

Price

$420.81

-4.61 (-1.08%)

Market Cap

$50.53B

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Data as of Oct 23, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality

Weak

5/30

Growth

Mixed

6/20

Cash Flow

Weak

0/10

Stability

Good

5/10

Valuation

Good

6/10

Ownership

Weak

1/15

Dividends

Weak

1/5

24 of 100 counted points = Winston Score 24.

Track this stock — start free trial

Share count falling — buybacks

−6.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 129.4M (2021) → 120.8M (2025)

§Winston Score History

The full picture

Humana is one of the largest health insurance companies in the United States. It sells health insurance plans to individuals, employers, and government programs. Its biggest business is Medicare Advantage, which are private health plans sold to Americans aged 65 and older — Humana is one of the top two providers of these plans in the country.

Humana makes most of its money by collecting monthly premiums from members and then paying their medical bills. It operates almost entirely in the United States and covers roughly 17 million members across its various plans. Its large Medicare Advantage membership base gives it scale and brand recognition with older Americans, but the company faces serious pressure when medical costs rise faster than the premiums it collects — a dynamic that has squeezed its margins recently and is the central risk investors are watching closely.

Politician Trades

23 trades / 12mo

9 Congressional buys and 14 sells on HUM in the last 12 months.

Unlock the full Smart Money Map — every trade plotted on the price chart with politicians, amounts and returns since each trade. Founder's Deal is $57/mo locked for life.

Unlock politician trades

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+26.2% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+28.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (18%)

Research and development spending

Insider Activity

0.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↑ Burn rate improving

$24.5B cash & investments at current burn rate

Revenue accelerating

Humana grew revenue 26% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

13.5%

Thin — 13.5% gross margin

Profit after running costs

Operating Margin

3.3%

Thin — 3.3% operating margin

Return on the money invested

ROCE

6.0%

Weak — 6.0% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth

Sales YoY

+18.3%

Fast-growing sales (+18.3% YoY)

Profit growth

EPS YoY

-18.5%

Earnings shrinking (-18.5% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Profit that turns into cash

Cash Conversion

12%

Weak — only 12% of profit becomes cash

Spare cash per sale

FCF Margin

-0.3%

Burning cash (-0.3%)

Free cash flow is negative. They are burning cash, not generating it.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

What it owes vs what it owns

Debt / Equity

0.74

Moderate — manageable debt (0.74)

Covers its interest

Interest Cover

2.87x

Tight — interest eats into profit (2.9x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit

P/E Ratio (TTM)

39.5x

Pricey — P/E 39.5

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

P/E vs Forward

+26.0

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (39.5 → 13.5)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend

Dividend Yield

0.86%

Small dividend — 0.86% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+0.0%

Dividend flat

Payout Ratio

34%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial