pretickt

Is HUM a good stock to buy?

Humana Inc. · end-of-day data as of Nov 13, 2026

Humana
HUM · $54.05B
$450.00+1.4%
Nov 13, 2026 · close
$400$450SepOctNov9:3016:003 months +18.1%Nov 13 · close
▲ 5
  • PT$473.74 +5.3%
  • ConsensusBuy · 26
  • MAs4 of 4
  • MACD2.62
  • Sector▲ +15.9%
Neutral
  • Earnings in89d
  • P/E43.8x
  • RSI65
  • Support-9.5%
  • Off 52w high-1.4%
  • Volume0.9x
  • News0.00
  • FCF yield+1.4%
  • Trendsideways
  • 52w range$163–$457
  • ATR+3.9%
  • Off ATH-21.2%
▼ 4
  • P/E vs own+46.8%
  • P/E vs sector+36.0%
  • Insiders-$2.58M
  • Bollingerabove upper

Updates with the 15-min delayed price. Not a forecast or investment advice.

Is Humana a good stock to buy?

Humana is strong on 3 of the 5 questions about the business; weak on economics. The price is high: 43.8 times its earnings, above its 3-year median of 24.9 (Nov 13, 2026). pretickt does not say whether to buy or sell.

  1. Demand growing
  2. Advantage some edge
  3. Economics profits falling
  4. Execution delivers
  5. Fragility sturdy
  6. Price expensive
DemandDo people want more of what it sells?growing

HUM sales growth revenue growth

+12%a year, for the last 3 years

Humana's sales grew 12% a year for 3 years, to $130B in fiscal 2025.

HUM analysts' forecast revenue estimates

+26%the sales they expect next fiscal year, on the last

Analysts expect Humana's sales to grow 26% to $163B in fiscal 2026 (12 analysts).

HUM competitors

pretickt analysis+22%its sales in 12 months, on a year before

Humana's sales grew 22% in the 12 months to Sep 30, 2026, faster than Cigna (+7%), CVS Health (+7%), Centene (+5%) and Elevance Health (+4%).

Advantage moatIs it hard to copy?some edge

HUM margin on each sale gross margin

13%left after making the product

Humana kept 13% of each sale after making the product in the 12 months to Sep 30, 2026; its competitors' median is 15%.

EconomicsDoes it make good money?profits falling

HUM cash generated free cash flow

$747Mcash left after investing, last 12 months

Humana generated $747M of free cash flow in the 12 months to Sep 30, 2026, less than its reported profit.

HUM profit per share

-1%in its last fiscal year

Humana's earnings per share fell 1% in fiscal 2025, to $9.82.

ExecutionDoes it deliver what it promises?delivers

HUM earnings vs estimates

8 of 8quarters above the analysts' estimate

Humana beat the analysts' profit estimate in each of its last 8 quarters, the latest on Nov 6, 2026.

HUM insider selling

-$2.43Msold, net, by its executives in 12 months

Humana's executives and directors sold a net $2.43M of shares in the 12 months to Nov 13, 2026 ($2.58M sold, $150K bought).

HUM number of employees

+2%more people in a year

Humana had 67,060 employees at the end of fiscal 2025, 2% more than a year before.

HUM CEO pay

$18.76Mfor fiscal 2025, 74% of it in stock and options

Humana paid its CEO $18.76M for fiscal 2025, 74% of it in stock and options.

Fragility risksCould something break it?sturdy

HUM financial health Altman Z-score

4.7Altman Z-score, safe above 3

Humana's Altman Z-score is 4.7 (Nov 13, 2026), above 3, where the safe zone starts.

HUM quality checks Piotroski score

6 of 9checks passed

Humana passes 6 of the 9 Piotroski checks in the 12 months to Sep 30, 2026; it misses on return on assets, new shares and gross margin.

HUM biggest customers

83%of sales from its biggest customer

U.S. federal government (CMS) made 83% of Humana's sales in fiscal 2025.

HUM in past recessions

pretickt analysis+7%its sales in the worst one

Humana's sales grew through each of the last 2 US recessions (2008–09 and 2020).

Price valuationIs the price reasonable?expensive

HUM price vs profit P/E ratio

43.8×a year's earnings

Humana's P/E ratio is 43.8 (Nov 13, 2026), above its 3-year median of 24.9.

HUM price vs competitors

pretickt analysis43.8×a year's earnings, against its competitors

Investors pay 43.8 times Humana's earnings (Nov 13, 2026), more than for Centene (24.4), Elevance Health (18.3), Cigna (13.1) or CVS Health (10.4).

HUM analysts' target price target

+5%to their average target

Analysts' average price target for Humana is $474, 5% above the Nov 13, 2026 close of $450.00.

HUM analyst ratings, 90 days

pretickt analysis
  • Barclaysupgrade
  • Cantor Fitzgeraldupgrade
  • Bairdupgrade
  • Raymond Jamesupgrade
4 up, 0 downratings raised and cut

In the 90 days to Nov 13, 2026, Barclays, Cantor Fitzgerald, Baird and Raymond James upgraded Humana.

HUM growth priced in fair value

pretickt analysis+24%a year, for ten years, to be worth the price

At $450.00 a share, Humana's free cash flow must grow about 24% a year for ten years to be worth the price (Nov 13, 2026).

What is Humana's P/E ratio?

Humana's P/E ratio is 43.8 (Nov 13, 2026), above its 3-year median of 24.9. Investors pay 43.8 times Humana's earnings (Nov 13, 2026), more than for Centene (24.4), Elevance Health (18.3), Cigna (13.1) or CVS Health (10.4).

Who are Humana's biggest competitors?

pretickt compares Humana with Cigna, Centene, Elevance Health and CVS Health. Humana's sales grew 22% in the 12 months to Sep 30, 2026, faster than Cigna (+7%), CVS Health (+7%), Centene (+5%) and Elevance Health (+4%).

Are insiders selling Humana stock?

Humana's executives and directors sold a net $2.43M of shares in the 12 months to Nov 13, 2026 ($2.58M sold, $150K bought).

How many employees does Humana have?

Humana had 67,060 employees at the end of fiscal 2025, 2% more than a year before.

Who are Humana's biggest customers?

U.S. federal government (CMS) made 83% of Humana's sales in fiscal 2025.

From the companies' statements (FMP), their filings read by pretickt, the analysts and the insiders, as of Nov 13, 2026. Each card says what a fact means for its question, never what to do with the stock: for information only, not investment advice.