HUM · NYSE · STOCK
Humana (HUM) Stock Analysis
$431.07
52W $163.11 – $456.50
52/100
$51.76B
40.5
0.74
Is HUM Bullish or Bearish?
Mixed.
Innellis AI committee rates Humana (HUM) Watch with a composite score of 52/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +7.75 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 — -12.25 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. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). 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
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- News sentiment is positive (+0.22 across 89 articles, 14d) — News
Bear Case
- P/E of 41.0 is expensive by classic value standards — 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
- RSI at 72 is in overbought territory — Technical
- Price trading above the upper Bollinger Band -- stretched — Technical
- Current ratio of 0.01 is tight -- limited short-term liquidity cushion — 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 October 10, 2026
Overall Committee Score
52/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 85%
of 192 Healthcare peers
Value Analyst
bearish
38
/ 100 · Moderate confidence
Multiples don't clear a genuine value bar here, or cheapness looks justified by weak fundamentals
− P/E of 41.0 is expensive by classic value standards
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
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− RSI at 72 is in overbought territory
Risk Analyst
bearish
35
/ 100 · Low 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
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
65
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.22 across 89 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 54.8 to 52.2.
- New bearish signals: 3 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) changed stance: Value Analyst.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Technical Analyst: score 69->61 (-8); +2 bearish signal(s).
- Value Analyst: stance neutral->bearish; score 48->38 (-10); +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
72.3
Overbought
MACD Histogram
3.103
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
1.23
Above Upper Band
Price vs Moving Averages
EMA 9
$399.75
Above
EMA 21
$394.14
Above
EMA 50
$386.90
Above
EMA 200
$325.85
Above
Fundamental Analysis
Valuation
61
Growth
69
Profitability
16
Financial Health
83
Cash Flow
15
Valuation
P/E Ratio
40.5×
P/B Ratio
2.70×
PEG Ratio
-2.19
Dividend Yield
0.82%
52W High
$456.50
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 40.5 (rich relative to a 15-40x range); Price-to-book of 2.7x; PEG ratio of -2.2 (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
Get the Full HUM Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →