
A steady large-cap momentum story trading near fair value.
Mkt Cap
$33.67B
P/E
—
PEG
1.56
P/B
1.92
Dividend
1.29%
ROE
6.3%
About the business
Humana Inc. provides medical and specialty insurance products in the United States. It operates in two segments, Insurance and CenterWell. The Insurance segment offers individual Medicare Advantage products, including health insurance benefits, including wellness programs, chronic care management, and care coordination; individual Medicare stand-alone prescription drug products (PDP); group Medicare advantage and Medicare stand-alone PDP; Medicare supplements; specialty and ancillary insurance comprising dental, vision, life and disability; and administrative services to arrange health care services for active-duty and retired military personnel and dependents, as well as pharmacy benefit managers. Its CenterWell segment operates full-service, value-based senior focused primary care centers under the Conviva Senior Primary Care and CenterWell Senior Primary Care brands; a management services organization; CenterWell Home Health, a home health provider; and OneHome, which manages post-acute patient needs, as well as provides pharmacy and hospice solutions. The company was formerly known as Extendicare Inc. and changed its name to Humana Inc. in April 1974. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.
Who would buy HUM?
Consensus 8/100 · Mixed · Investors are split.
Endorses
· 1 frameworkWithin 15% of 52-wk high -11.1% clears "> -15.0%".
Rejects
· 3 frameworksROE > 20% is 6.3% — fails "> 20.0%".
Buying is limited to a single filer (SHETTY SANJAY K, $150K). Single-insider buys are worth noting but carry less weight than broad-based conviction — they can reflect an outlier view rather than a shared read inside the C-suite.
In Prism's context
Insider activity is inconclusive here. The stock's case should lean on the framework verdict (Fails criteria, score 8/100) and the archetype read (Momentum).
| Insider | Role | Type | Date | Shares | Avg price | Value | Own |
|---|---|---|---|---|---|---|---|
| O'HARA MICHELLE A. | Officer | Award / grant | May 1, 2026 | 10,485 | $0.00 | $0 | Direct |
| SHETTY SANJAY K | Officer | Award / grant | May 1, 2026 | 9,945 | $0.00 | $0 | Direct |
| RECHTIN JAMES A. | Chief Executive Officer | Award / grant | May 1, 2026 | 35,633 | $0.00 | $0 | Indirect |
| DINTENFASS DAVID | Officer | Award / grant | May 1, 2026 | 11,273 | $0.00 | $0 | Direct |
| MEHTA JAPAN | Chief Technology Officer | Award / grant | May 1, 2026 | 9,448 | $0.00 | $0 | Direct |
| MELLET CELESTE | Chief Financial Officer | Award / grant | May 1, 2026 | 15,387 | $0.00 | $0 | Direct |
| MARTIN AARON | Officer | Award / grant | May 1, 2026 | 8,206 | $0.00 | $0 | Direct |
| FIELD ROBERT STUART | Director | Award / grant | May 1, 2026 | 852 | $0.00 | $0 | Direct |
| VENTURA JOSEPH CHRISTOPHER | Officer | Award / grant | May 1, 2026 | 10,318 | $0.00 | $0 | Direct |
| SHETTY SANJAY K | Officer | Transaction | Apr 1, 2026 | 887 | — | — | Direct |
| FELTER JOHN- PAUL W. | Officer | Transaction | Feb 24, 2026 | 165 | — | — | Direct |
| RENAUDIN GEORGE II | Officer | Transaction | Feb 24, 2026 | 1,035 | — | — | Direct |
| VENTURA JOSEPH CHRISTOPHER | Officer | Transaction | Feb 24, 2026 | 1,035 | — | — | Direct |
| FELTER JOHN- PAUL W. | Officer | Award / grant | Feb 23, 2026 | 5,669 | $0.00 | $0 | Direct |
| SHETTY SANJAY K | Officer | Open-market buy | Feb 23, 2026 | 810 | $185.20 | $150K | Direct |
| DINTENFASS DAVID | Officer | Transaction | Feb 20, 2026 | 3,858 | — | — | Direct |
| MEHTA JAPAN | Chief Technology Officer | Transaction | Feb 13, 2026 | 1,682 | — | — | Direct |
| MELLET CELESTE | Chief Financial Officer | Transaction | Feb 13, 2026 | 7,763 | — | — | Direct |
| MARTIN AARON | Officer | Award / grant | Feb 12, 2026 | 17,031 | $0.00 | $0 | Direct |
| RECHTIN JAMES A. | Chief Executive Officer | Transaction | Jan 8, 2026 | 2,183 | — | — | Indirect |
| MESQUITA JORGE S | Director | Award / grant | Jan 2, 2026 | 766 | $0.00 | $0 | Indirect |
| FEINBERG DAVID T | Director | Award / grant | Jan 2, 2026 | 766 | $0.00 | $0 | Direct |
| O'HARA MICHELLE A. | Officer | Transaction | Dec 31, 2025 | 2,353 | — | — | Direct |
| O'HARA MICHELLE A. | Officer | Transaction | Dec 15, 2025 | 1,401 | — | — | Direct |
| FELTER JOHN- PAUL W. | Officer | Transaction | Dec 15, 2025 | 570 | — | — | Direct |
| RENAUDIN GEORGE II | Officer | Transaction | Dec 15, 2025 | 2,466 | — | — | Direct |
| SHETTY SANJAY K | Officer | Transaction | Dec 15, 2025 | 2,276 | — | — | Direct |
| RECHTIN JAMES A. | Chief Executive Officer | Transaction | Dec 15, 2025 | 7,707 | — | — | Indirect |
| DINTENFASS DAVID | Officer | Transaction | Dec 15, 2025 | 2,032 | — | — | Direct |
| MEHTA JAPAN | Chief Technology Officer | Transaction | Dec 15, 2025 | 1,194 | — | — | Direct |
| MELLET CELESTE | Chief Financial Officer | Transaction | Dec 15, 2025 | 2,128 | — | — | Direct |
| VENTURA JOSEPH CHRISTOPHER | Officer | Transaction | Dec 15, 2025 | 2,406 | — | — | Direct |
Insider activity from Yahoo Finance (quoteSummary: insiderTransactions + netSharePurchaseActivity). Cached 6 hours. · Insiders hold 0.2% of shares outstanding.
Net 6M: +0 sh
Price history
Drag across the chart to select a custom period — all analysis below refocuses to that window.
Add Humana Inc. at a hypothetical weight and Prism recalculates your whole book:
Sharpe, Sortino, volatility, max drawdown, beta — before and after.
How much this shifts your top sector weight and overall diversification.
Whether this leans your book more toward Quality, Value, Growth, Deep Value, Income, or Momentum.
Portfolio analytics are part of the member experience.
Sign in to run this simulationHUM: 46% estimated probability of outperforming over the next 12M window. 1 of 6 signal families negative (medium confidence). Strongest support: CR 1.77. Main risk to monitor: 71% above fair value.
Probabilistic research output, not financial advice. Prism recommendations are based on available data, historical relationships, and model assumptions. They do not guarantee future returns. Conduct independent due diligence before any investment decision.
Backtested and similar-setup statistics may be affected by survivorship bias, look-ahead bias, overfitting, transaction costs, liquidity constraints, and data limitations. Probability estimates are anchored heuristics — not validated forecasts — until the walk-forward backtest pipeline is in place.
P/B 1.92× · FCF yield 4.3%
71% above fair value
Indicative only. Probabilities are model-implied weights for stress-testing — not forecasts.
A turnaround takes hold: margin recovers toward peer averages, revenue stabilises, and the market re-prices the asset value rather than the running earnings.
No deterioration, no surprise re-acceleration. 5% operating margin and 24% top-line growth chug along; the multiple slowly converges to the central fair-value estimate.
Sector: Healthcare. MENA-aware investors can sanity-check whether the US name is offering value relative to regional peers.
| Metric | HUM | GCC median | MENA median | Global ex-US |
|---|---|---|---|---|
| P/E (TTM) | — | 24.0× | — | 20.0× |
| P/B | 1.92× | 4.80× | — | 3.80× |
| Dividend yield | 1.29% | 1.40% | — | 1.80% |
| ROE | 6.3% |
Reported EPS $10.31 vs $6.51 expected — well outside the normal beat-and-raise band. The market typically rewards a print this size only if it is read as durable, not one-off. Trailing operating margin: 4.7%.
Confirms operating leverage — -5% trailing EPS growth + a beat of this size is the pattern that drives multi-year re-rates.
If ROE (6%) and operating margin (5%) are stable or rising, the beat is consistent with compounding rather than one-off.
Outsized beats on thin trailing quality often invite multiple expansion that doesn't survive the next print.
Next earnings
Wed, Jul 29 · consensus EPS $6.51 · last actual $10.31
P/E Ratio (TTM)
N/A
PEG Ratio
1.56
P/B Ratio
1.92
EPS Growth
-4.6%
Revenue Growth
23.5%
Debt / Equity
0.77
Net Cash / Share
$63.25
Return on Equity
6.3%
Gross Margin
14.0%
Operating Margin
4.7%
FCF / Share
$11.92
Current Ratio
1.77
P/B < 1.5 is 1.92× — fails "< 1.50×".
ROE > 15% is 6.3% — fails "> 15.0%".
Trades meaningfully above the fair-value range — limited margin of safety.
Returns are sub-cost-of-capital; quality bar not met.
Capital structure is unremarkable — neither a stress nor a tailwind.
Price trend is unremarkable — neither tailwind nor headwind.
Behavioural read is mixed — some accumulation, some distribution.
Mixed catalyst picture.
Among 95 historical setups with similar Prism Score and signal-agreement profiles, 48% beat the benchmark over the next 12 months, with average excess return of -0.9% / yr.
ROE 6% · Op margin 5%
D/E 0.77 · CR 1.77
2 insiders buying
No tracked superinvestor holds it
1.29% yield + buyback runway
77% through 52w range
EPS -5% · Rev 24%
Already-thin margins compress further on input-cost or pricing pressure; revenue softens; the market questions whether the current earnings power is structural or one-off. Multi-year drawdown plausible.
| — |
| 15.0% |
Institutional Own.
103.5%
Insider Own.
0.2%
Dividend Yield
1.29%
Book Value / Share
$146.42