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HUM

Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.

Research, not advice.

À propos

Humana Inc.

Nom
Humana Inc.
Secteur
Healthcare
Industrie
Medical - Healthcare Plans
Bourse
NYSE
Capitalisation
$50.8B
Employés
67,060
PDG
James A. Rechtin
Site web
https://www.humana.com
Marché
ALHCCICNCCVSELVMOH

Humana Inc., a prominent health and well-being enterprise, operates across the United States through its various subsidiary companies. Its operational structure is divided into three main segments: Retail, Group and Specialty, and Healthcare Services. The firm provides a wide array of medical and supplementary insurance plans directly to individual consumers. Furthermore, Humana collaborates with government entities; it holds a contract with the Centers for Medicare and Medicaid Services (CMS) to manage the Limited Income Newly Eligible Transition (LI NET) prescription drug program. The company also secures agreements with numerous states to deliver Medicaid, dual-eligible, and long-term care support benefits. For employer groups and individuals, Humana furnishes fully insured commercial medical and specialized health coverage, which encompasses dental, vision, and other ancillary health benefits. They additionally offer administrative services only (ASO) solutions and extend support to military personnel through contracts like the TRICARE T2017 East Region. Beyond insurance products, the company delivers comprehensive healthcare services directly. These include pharmacy management, provider network services, and a suite of home-based solutions such as home health care, serving both its own health plan enrollees and external clients. By the close of 2021 (December 31), Humana's reach extended to approximately 17 million individuals enrolled in its medical benefit plans and an additional 5 million utilizing its specialized product offerings. Established in 1961, Humana Inc. maintains its corporate headquarters in Louisville, Kentucky.

Price (1 year)

Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.

Decouvert par les declarations du Congres

Insiders
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Total bought
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Avg buy (VWAP, 90d window) —

Total sold
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Avg sell (VWAP, 90d window) —

Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.

Last activity
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Last synced
2026-10-06 10:56:08 Synced via automated research pipeline

Sign in to request a sync of this company's price history and timing levels.

Insider holdings as a share of total assets aren't available for this company.

Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.

Recent Form 4

Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.

No Form 4 filings for this company in this window.

Congressional trades

STOCK Act disclosures (90-day window)

Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.

No STOCK Act disclosures for this company in this window.

Recent trades

DateRepresentativeTypeAmount
2026-04-10Michael T. McCaulPurchase$1,001 - $15,000
2026-02-10Julia LetlowSale$1,001 - $15,000
2026-01-29Ro KhannaSale$1,001 - $15,000
2025-11-12Gilbert Ray CisnerosSale (Full)$1,001 - $15,000
2025-11-04Michael T. McCaulSale$15,001 - $50,000
2025-10-31Lisa C. McClainSale (Full)$1,001 - $15,000
2025-10-30Lisa C. McClainSale (Full)$1,001 - $15,000
2025-10-30Lisa C. McClainPurchase$1,001 - $15,000
2025-09-25Lisa C. McClainPurchase$1,001 - $15,000
2025-08-08Julia LetlowPurchase$1,001 - $15,000
2025-08-05Gilbert Ray CisnerosPurchase$1,001 - $15,000
2025-07-25Ro KhannaPurchase$1,001 - $15,000
2025-06-24Lisa C. McClainPurchase$1,001 - $15,000
2025-05-30Gilbert Ray CisnerosSale$1,001 - $15,000
2025-05-28Michael T. McCaulPurchase$15,001 - $50,000
2025-05-19Michael T. McCaulPurchase$50,001 - $100,000
2025-05-19Michael T. McCaulPurchase$15,001 - $50,000
2025-05-15Robert P. BresnahanSale (Full)$1,001 - $15,000
2025-04-29Gilbert Ray CisnerosSale (Partial)$1,001 - $15,000
2025-04-10Michael T. McCaulPurchase$100,001 - $250,000
2025-02-26Gilbert Ray CisnerosPurchase$1,001 - $15,000
2025-02-25Robert P. BresnahanPurchase$1,001 - $15,000
2025-01-23Michael T. McCaulPurchase$100,001 - $250,000
2025-01-15Michael T. McCaulPurchase$15,001 - $50,000
2025-01-09Michael T. McCaulSale$50,001 - $100,000
2024-11-19Michael T. McCaulSale$50,001 - $100,000
2024-11-15Ro KhannaPurchase$1,001 - $15,000
2024-10-02Ro KhannaSale$1,001 - $15,000
2024-10-02Ro KhannaSale$1,001 - $15,000
2024-10-02Ro KhannaSale$1,001 - $15,000
2024-09-04John JamesSale (Full)$1,001 - $15,000
2024-05-22Michael T. McCaulPurchase$50,001 - $100,000
2024-05-22Michael T. McCaulPurchase$50,001 - $100,000
2024-05-14Michael T. McCaulPurchase$50,001 - $100,000
2024-05-14Michael T. McCaulPurchase$50,001 - $100,000
2024-05-02Michael T. McCaulPurchase$15,001 - $50,000
2024-05-02Michael T. McCaulPurchase$15,001 - $50,000
2024-03-25Ro KhannaPurchase$1,001 - $15,000
2024-03-20Ro KhannaPurchase$1,001 - $15,000
2024-02-21Michael T. McCaulPurchase$100,001 - $250,000
2024-02-21Michael T. McCaulPurchase$50,001 - $100,000
2024-02-13Ro KhannaSale$1,001 - $15,000
2024-02-13Ro KhannaSale$1,001 - $15,000
2023-11-10John JamesPurchase$1,001 - $15,000
2023-11-03Ro KhannaSale$1,001 - $15,000
2023-10-26Ro KhannaSale$15,001 - $50,000
2023-09-13Ro KhannaPurchase$1,001 - $15,000
2023-09-13Ro KhannaPurchase$1,001 - $15,000
2023-08-29Ro KhannaPurchase$1,001 - $15,000
2023-06-29Ro KhannaPurchase$1,001 - $15,000
2023-06-26Ro KhannaPurchase$1,001 - $15,000
2023-06-21Ro KhannaPurchase$15,001 - $50,000
2023-05-23Ro KhannaSale$1,001 - $15,000
2023-05-19Ro KhannaSale$15,001 - $50,000
2023-05-10Ro KhannaPurchase$1,001 - $15,000
2023-05-10Ro KhannaPurchase$1,001 - $15,000
2023-04-20Ro KhannaPurchase$1,001 - $15,000
2023-04-12Ro KhannaSale$1,001 - $15,000
2023-04-12Ro KhannaSale$1,001 - $15,000
2023-02-10Ro KhannaSale$1,001 - $15,000
2023-01-30Ro KhannaSale$1,001 - $15,000
2023-01-11Ro KhannaPurchase$1,001 - $15,000
2023-01-11Ro KhannaPurchase$1,001 - $15,000
2022-12-06Ro KhannaPurchase$1,001 - $15,000
2022-10-21Ro KhannaSale$1,001 - $15,000
2022-10-20Ro KhannaSale$1,001 - $15,000
2022-10-20Ro KhannaSale$1,001 - $15,000
2022-10-13Ro KhannaSale$1,001 - $15,000
2022-09-15Ro KhannaPurchase$1,001 - $15,000
2022-07-14Ro KhannaSale$1,001 - $15,000
2022-05-10Ro KhannaPurchase$1,001 - $15,000
2022-05-05Ro KhannaPurchase$1,001 - $15,000
2022-02-17Ro KhannaPurchase$1,001 - $15,000
2022-02-14Ro KhannaSale$1,001 - $15,000
2022-02-09Ro KhannaSale$1,001 - $15,000
2022-01-21Ro KhannaSale$1,001 - $15,000
2021-06-15Ro KhannaPurchase$1,001 - $15,000
2021-06-14Ro KhannaPurchase$1,001 - $15,000
2021-03-01Ro KhannaPurchase$1,001 - $15,000
2021-02-11Ro KhannaPurchase$1,001 - $15,000
2021-02-11Ro KhannaPurchase$15,001 - $50,000
2021-01-28Peter MeijerSale (Full)$1,001 - $15,000
2020-11-19Kenny MarchantPurchase$15,001 - $50,000
2020-11-19Kenny MarchantPurchase$15,001 - $50,000
2020-10-29John YarmuthPurchase$1,001 - $15,000
2020-03-18Gilbert Ray CisnerosPurchase$1,001 - $15,000
2019-08-14Gilbert Ray CisnerosSale (Partial)$1,001 - $15,000
2018-12-17Virginia Ann FoxxSale (Full)$50,001 - $100,000
2018-08-06Gary James PalmerPurchase$1,001 - $15,000
2018-07-31Gary James PalmerSale (Full)$1,001 - $15,000
2018-02-14Josh S. GottheimerSale (Full)$1,001 - $15,000

Signal

Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.

HUM presents a deeply concerning financial profile with net margins near 1%, a sub-1.0 current ratio, and an interest coverage ratio of only 2.3x, leaving virtually no margin of safety.

The first sentence of the analysis written for HUM on 2026-10-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.

Neutral signal Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.

Factor checklist — research, not advice

A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.

  • Insider Unavailable or mixed. No open-market purchase or sale value stored
  • Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
  • Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
  • Timing Unavailable or mixed. No stored price series
  • Financial indicators Pulls against a bullish reading. Current ratio 0.72 · operating margin 1.1%

Market snapshot

Financial ratios

MetricTrend2025-12-312024-12-312023-12-312022-12-312021-12-31
Gross Profit Margin14.5%14.6%17.0%18.5%17.3%
Ebit Margin1.6%1.9%3.6%4.3%4.5%
Ebitda Margin2.2%2.8%4.4%5.2%5.3%
Operating Profit Margin1.1%1.4%3.1%3.8%4.1%
Pretax Profit Margin1.1%1.4%3.1%3.8%4.1%
Continuous Operations Profit Margin0.9%1.0%2.3%3.0%3.5%
Net Profit Margin0.9%1.0%2.3%3.0%3.5%
Bottom Line Profit Margin0.9%1.0%2.3%3.0%3.5%
Current Ratio0.7240.4380.5630.5790.496
Quick Ratio0.7240.4380.5630.5790.496
Solvency Ratio0.0650.0730.1110.1290.127
Cash Ratio0.4070.1970.3930.4350.323
Price To Earnings Ratio25.95025.34622.78823.07220.354
Price To Earnings Growth Ratio-18.555-0.505-2.398-8.912-1.934
Forward Price To Earnings Growth Ratio-18.555-0.505-2.398-8.912-1.934
Price To Earnings Diluted Ratio26.02925.42222.89023.19720.461
Price To Earnings Diluted Growth Ratio-18.555-0.507-2.430-8.913-1.962
Price To Book Ratio1.7471.8683.4874.2293.712
Price To Sales Ratio0.2380.2600.5330.6970.714
Price To Free Cash Flow Ratio82.27212.79419.04818.76864.884
Price To Operating Cash Flow Ratio33.49810.31414.24414.11626.390
Debt To Assets Ratio0.2650.2650.2620.2690.296
Debt To Equity Ratio0.7330.7490.7540.7680.822
Debt To Capital Ratio0.4230.4280.4300.4340.451
Long Term Debt To Capital Ratio0.4120.4050.3860.3710.396
Financial Leverage Ratio2.7612.8282.8842.8562.783
Working Capital Turnover Ratio-28.262-20.402-21.048-18.252-19.752
Operating Cash Flow Ratio0.0890.2630.3330.3940.216
Operating Cash Flow Sales Ratio0.0070.0250.0370.0490.027
Free Cash Flow Operating Cash Flow Ratio0.4070.8060.7480.7520.407
Debt Service Coverage Ratio3.4032.0531.8501.5201.612
Interest Coverage Ratio2.3032.4656.7348.88810.488
Short Term Operating Cash Flow Coverage Ratio6.1404.0972.4702.0271.058
Operating Cash Flow Coverage Ratio0.0710.2420.3240.3900.171
Capital Expenditure Coverage Ratio1.6875.1583.9654.0341.686
Dividend Paid And Capex Coverage Ratio0.9442.9482.7743.0001.334
Dividend Payout Ratio0.3620.3570.1730.1400.121
Enterprise Value Multiple13.61412.48213.59014.85315.595

Sparkline shows each ratio oldest → newest (left → right).

How the latest year compares

For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower

MetricCurrentvs 1Y agovs 5Y avg
Gross Profit Margin 14.5% ▼-0.0% ▼-1.8%
Ebit Margin 1.6% ▼-0.3% ▼-1.6%
Ebitda Margin 2.2% ▼-0.5% ▼-1.8%
Operating Profit Margin 1.1% ▼-0.3% ▼-1.6%
Pretax Profit Margin 1.1% ▼-0.3% ▼-1.6%
Continuous Operations Profit Margin 0.9% ▼-0.1% ▼-1.2%
Net Profit Margin 0.9% ▼-0.1% ▼-1.2%
Bottom Line Profit Margin 0.9% ▼-0.1% ▼-1.2%
Current Ratio 0.724 ▲0.287 ▲0.164
Quick Ratio 0.724 ▲0.287 ▲0.164
Solvency Ratio 0.065 ▼-0.008 ▼-0.036
Cash Ratio 0.407 ▲0.210 ▲0.056
Price To Earnings Ratio 25.950 ▲0.605 ▲2.449
Price To Earnings Growth Ratio -18.555 ▼-18.049 ▼-12.094
Forward Price To Earnings Growth Ratio -18.555 ▼-18.049 ▼-12.094
Price To Earnings Diluted Ratio 26.029 ▲0.608 ▲2.429
Price To Earnings Diluted Growth Ratio -18.555 ▼-18.048 ▼-12.082
Price To Book Ratio 1.747 ▼-0.121 ▼-1.262
Price To Sales Ratio 0.238 ▼-0.022 ▼-0.250
Price To Free Cash Flow Ratio 82.272 ▲69.478 ▲42.718
Price To Operating Cash Flow Ratio 33.498 ▲23.185 ▲13.786
Debt To Assets Ratio 0.265 ▲0.001 ▼-0.006
Debt To Equity Ratio 0.733 ▼-0.016 ▼-0.033
Debt To Capital Ratio 0.423 ▼-0.005 ▼-0.011
Long Term Debt To Capital Ratio 0.412 ▲0.007 ▲0.018
Financial Leverage Ratio 2.761 ▼-0.067 ▼-0.061
Working Capital Turnover Ratio -28.262 ▼-7.860 ▼-6.718
Operating Cash Flow Ratio 0.089 ▼-0.174 ▼-0.170
Operating Cash Flow Sales Ratio 0.007 ▼-0.018 ▼-0.022
Free Cash Flow Operating Cash Flow Ratio 0.407 ▼-0.399 ▼-0.217
Debt Service Coverage Ratio 3.403 ▲1.350 ▲1.316
Interest Coverage Ratio 2.303 ▼-0.163 ▼-3.873
Short Term Operating Cash Flow Coverage Ratio 6.140 ▲2.043 ▲2.982
Operating Cash Flow Coverage Ratio 0.071 ▼-0.171 ▼-0.169
Capital Expenditure Coverage Ratio 1.687 ▼-3.471 ▼-1.619
Dividend Paid And Capex Coverage Ratio 0.944 ▼-2.005 ▼-1.256
Dividend Payout Ratio 0.362 ▲0.005 ▲0.131
Enterprise Value Multiple 13.614 ▲1.132 ▼-0.413

Key metrics

MetricTrend20252024202320222021
Market cap$30.85B$30.59B$56.71B$64.75B$59.69B
Enterprise value$39.59B$40.63B$64.28B$71.44B$69.52B
EV / Sales0.30x0.34x0.60x0.77x0.83x
EV / Op. cash flow42.98x13.70x16.15x15.57x30.74x
EV / Free cash flow105.57x16.99x21.59x20.71x75.57x
EV / EBITDA13.61x12.48x13.59x14.85x15.60x
Net debt / EBITDA3.00x3.08x1.60x1.39x2.21x
Current ratio0.72x0.44x0.56x0.58x0.50x
Income quality0.77x2.44x1.60x1.64x0.77x
Graham number$180$175$244$246$253
Graham net-net-$202-$212-$197-$174-$186
Tax burden81.8%74.2%75.0%78.7%85.8%
Interest burden69.7%71.1%87.1%89.9%91.3%
Working capital-$2.84B-$6.33B-$5.22B-$4.90B-$5.29B
Invested capital$10.69B$7.72B$9.57B$9.75B$12.20B
Return on assets2.4%2.6%5.3%6.4%6.6%
Operating ROA3.1%3.5%7.3%8.1%8.6%
Return on tangible assets3.1%3.4%7.0%8.6%9.5%
Return on equity6.7%7.4%15.3%18.3%18.2%
Return on invested capital3.1%3.4%6.8%8.2%8.1%
Return on capital employed3.8%4.6%9.5%11.1%10.0%
Earnings yield3.9%3.9%4.4%4.3%4.9%
Free cash flow yield1.2%7.8%5.2%5.3%1.5%
Capex / Op. cash flow59.3%19.4%25.2%24.8%59.3%
Capex / Depreciation66.3%59.4%109.5%134.6%188.2%
Capex / Sales0.4%0.5%0.9%1.2%1.6%
SG&A / Sales0.0%0.0%0.0%0.0%0.0%
R&D / Sales0.0%0.0%0.0%0.0%0.0%
Stock comp / Sales0.2%0.2%0.2%0.2%0.2%
Intangibles / Total assets22.2%23.9%24.0%24.9%30.7%
Days sales outstanding9d8d7d7d8d
Days payables outstanding32d37d42d44d43d
Operating cycle9d8d7d7d8d
Cash conversion cycle-23d-29d-35d-37d-35d

Change by theme

Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.

Change over 1 year

Valuation
Market cap ▲+0.9%EV / Sales ▼-11.5%EV / EBITDA ▲+9.1%EV / Op. cash flow ▲+29.286Earnings yield ▼-0.001Graham number ▲+5.457
Profitability
Return on equity ▼-0.006Return on assets ▼-0.002Return on invested capital ▼-0.003Return on capital employed ▼-0.009Operating ROA ▼-0.004Income quality ▼-1.678Tax burden ▲+0.076
Efficiency
Days sales outstanding ▲+0.827Days payables outstanding ▼-4.943Operating cycle ▲+0.827Cash conversion cycle ▲+5.770Capex / Sales ▼-0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.287Net debt / EBITDA ▼-0.080Working capital ▲+3488000000.000Invested capital ▲+2967000000.000Intangibles / Total assets ▼-0.017

Change over 5 years

Valuation
Market cap ▼-48.3%EV / Sales ▼-63.3%EV / EBITDA ▼-12.7%EV / Op. cash flow ▲+12.249Earnings yield ▼-0.011Graham number ▼-72.776
Profitability
Return on equity ▼-0.115Return on assets ▼-0.041Return on invested capital ▼-0.049Return on capital employed ▼-0.062Operating ROA ▼-0.055Income quality ▼-0.005Tax burden ▼-0.040
Efficiency
Days sales outstanding ▲+1.290Days payables outstanding ▼-10.424Operating cycle ▲+1.290Cash conversion cycle ▲+11.713Capex / Sales ▼-0.012R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.228Net debt / EBITDA ▲+0.799Working capital ▲+2441000000.000Invested capital ▼-1511000000.000Intangibles / Total assets ▼-0.085

Employee count

Peer market caps

Recent news