HUM · NASDAQ · STOCK
Humana
$385.07
52W $163.11 – $428.88
53/100
$46.23B
36.2
0.74
Is HUM Bullish or Bearish?
Mixed.
Innellis AI committee rates Humana (HUM) Watch with a composite score of 53/100
, based on 6 analysts with 50% agreement.
Last updated August 09, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +7.16 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -12.84 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case — market regime is bullish (bull market -- normal position sizing). Risk Analyst remains cautious — current ratio of 0.01 is tight -- limited short-term liquidity cushion. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.27 across 90 articles, 14d) — News
Bear Case
- P/E of 36.1 is moderate-to-rich — Value
- EPS declining -19.0% YoY despite any revenue growth — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- Current ratio of 0.01 is tight -- limited short-term liquidity cushion — Risk
- Bollinger bandwidth of 16.9% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 09, 2026
Overall Committee Score
53/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 88%
of 95 Healthcare peers
Value Analyst
neutral
48
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− P/E of 36.1 is moderate-to-rich
Growth Analyst
neutral
50
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ 5 consecutive earnings beats -- consistent execution
− EPS declining -19.0% YoY despite any revenue growth
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.01 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 90 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 55.4 to 52.8.
- Committee agreement increased notably from 40% to 50%.
- New bearish signals: 3 appeared.
- New analyst(s) joined: Value Analyst.
Analyst-level changes:
- Growth Analyst: score 58->50 (-8); +1 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Value Analyst joined: neutral at 48.
Comparing 2026-08-08 to 2026-08-09 (1 day apart).
Technical Analysis
RSI (14)
57.6
Neutral
MACD Histogram
-2.999
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.49
Inside Bands
Price vs Moving Averages
EMA 9
$374.24
Above
EMA 21
$378.53
Above
EMA 50
$361.55
Above
EMA 200
$289.87
Above
Fundamental Analysis
Valuation
67
Growth
69
Profitability
16
Financial Health
83
Cash Flow
15
Valuation
P/E Ratio
36.2×
P/B Ratio
2.41×
PEG Ratio
-1.95
Dividend Yield
0.92%
52W High
$428.88
52W Low
$163.11
Quality & Growth
ROE
672.8%
ROA
243.7%
Gross Margin
1365.3%
Operating Margin
138.8%
Revenue Growth YoY
—
Debt / Equity
0.74
AI Fundamental Assessment
P/E ratio of 36.2 (rich relative to a 15-40x range); Price-to-book of 2.4x; PEG ratio of -2.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 6.7%; Return on assets of 2.4%; Net margin of 0.9%; Gross margin of 13.7%; Current ratio of 1.74 (healthy short-term liquidity); Debt-to-equity of 0.74; Free cash flow per share is negative (-3.69); Most recent quarter beat estimates by 4.3%; 5 consecutive earnings beats; EPS growth decelerating (+360.4% -> -26.2% QoQ); Average YoY EPS growth of 21.4%; Analyst estimates rising over recent quarters
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