HUMANA INC HUM
HUMANA INC (HUM) earns a Piotroski F-score of 5/9 (mixed financial health), with an Altman Z″ in the safe zone. It pays a dividend yielding 0.93% (safety: safe). FY2025 revenue was $129.7B at a 0.9% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-10 | JP Morgan | Neutral (main) |
| 2026-08-05 | Morgan Stanley | Equal-Weight (up) |
| 2026-07-31 | TD Cowen | Hold (main) |
| 2026-07-31 | Barclays | Equal-Weight (main) |
| 2026-07-30 | UBS | Neutral (main) |
| 2026-07-30 | Evercore ISI Group | Outperform (up) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.335 |
| Retained earnings / assets | 0.594 |
| EBIT / assets | 0.055 |
| Equity / liabilities | 0.569 |
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| HUM | HUMANA INC | 5/9 | 5.1 | 38.8 | +10.1% |
| CNC | CENTENE CORP | 4/9 | 0.38 | — | +19.4% |
| ELV | Elevance Health, Inc. | 6/9 | 3.13 | 15.2 | +12.5% |
| MOH | MOLINA HEALTHCARE, INC. | 4/9 | 3.6 | 25.4 | +11.7% |
| OSCR | Oscar Health, Inc. | 4/9 | -2.18 | — | +27.5% |
| ALHC | Alignment Healthcare, Inc. | 5/9 | -0.35 | — | +46.1% |
| CLOV | CLOVER HEALTH INVESTMENTS, CORP. /DE | 2/9 | -12.26 | — | +40.3% |
All Finance, Insurance & Real Estate companies →
About HUMANA INC
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.
FAQ
Is HUM financially healthy?
HUMANA INC's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does HUM pay a dividend, and is it safe?
Yes. HUMANA INC pays a dividend yielding about 0.93% with a 36.2% payout ratio, rated “safe” for safety.
How profitable is HUM?
In FY2025, HUMANA INC had a net margin of 0.9% and a return on equity of 6.7%.
Is HUM overvalued or undervalued?
HUMANA INC trades at about 39.5× trailing earnings — above its 10-year norm (10-year range 15.1×–48.8×, median 19.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for HUM?
The average Wall-Street price target for HUMANA INC is $416.43, about 7.1% above the recent price, from 23 analysts (consensus: buy).
Is HUM a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on HUMANA INC: a Piotroski F-score of 5/9, an Altman Z″ in the safe zone, a P/E of about 38.8×, a dividend yield of 0.93%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.