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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3100
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$31.3B
Bruce D. Broussard
Humana Inc. operates through three segments: Retail, Group and Specialty, and Healthcare Services. As of December 31, 2021, Humana had approximately 17 million members in medical benefit plans.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = HUM ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$HUM HUMANA INC | 43 | 64 | 48 | 26 | 9.3x | 4.6x | 13.9% | 5.0% | 14.0% | 3.3% | 1.9% | 10.5% | 1.4% | 176.0x | $31.3B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
HUMANA INC (HUM) receives a "Reduce" rating with a composite score of 43.1/100. It ranks #3100 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Lagging peers — losers tend to keep underperforming
Fair valuation relative to peers
High profitability & efficiency — strong quality floor supports entry
High volatility — wider range of outcomes increases timing risk
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for HUM.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 64 | 88 | -24DRAG |
| MOMENTUM | 26 | 19 | +7ALPHA |
| VALUATION | 48 | 61 | -13DRAG |
| INVESTMENT | 34 | 53 | -19DRAG |
| STABILITY | 33 | 25 | +8ALPHA |
| SHORT INT | 67 | 81 | -14DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 33.8% vs WACC 6.7% (spread +27.1%)
GM 14% vs sector 78%, OM 3% vs sector 18%
Capital turnover 17.96x
Rev growth 11%, 10yr history
Interest coverage 16.1x, Net debt/EBITDA 2.1x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate HUMANA INC (HUM) as a Reduce with a composite score of 43.1/100 at a current price of $174.77. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
HUMANA INC holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 43.1/100 places it at rank #3100 in our full universe.
Narrow
Medium
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 176% D/E amplifies downside risk.
Weak momentum suggests persistent institutional selling pressure.
Vulnerability to macroeconomic shocks and interest rate volatility.
HUMANA INC represents a reduce based on multi-factor quantitative performance.
HUMANA INC receives a Reduce rating from our analysis, with a composite score of 43.1/100 and 2 out of 5 stars, ranking #3100 out of 7,333 stocks. HUM's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
With a quality score of 64/100, HUM shows adequate but unremarkable business quality. The company reports a return on equity of 13.9% (sector avg: 9.0%), gross margins of 14.0% (sector avg: 77.7%), net margins of 1.9% (sector avg: 21.9%). This suggests the company generates acceptable returns but may lack the competitive positioning or operational efficiency to stand out from peers.
With a value score of 48/100, HUM appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 9.28x, an EV/EBITDA of 4.58x, a P/B ratio of 1.29x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
HUMANA INC's investment score of 34/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 10.5% vs. a sector average of 10.7% and a return on assets of 5.0% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
HUMANA INC is experiencing notably weak momentum with a score of just 26/100. The stock has underperformed its peers and is trending below major moving averages. Revenue growth stands at 10.5% year-over-year, while a beta of 0.33 reflects its sensitivity to broader market moves. While deep momentum weakness can occasionally present value opportunities, it often reflects deteriorating fundamentals or structural headwinds that may persist.
HUM's stability score of 33/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 0.33 and a debt-to-equity ratio of 176.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
HUM carries a short interest score of 67/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 176.00x). At $31.3B market cap (large-cap), HUMANA INC offers reasonable institutional liquidity.
HUM offers a modest dividend yield of 1.4%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
HUMANA INC is a large-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3100 of 7,333 overall (58th percentile). Key comparisons include ROE of 13.9% exceeding the 9.0% sector median and operating margins of 3.3% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While HUM currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Momentum (26) would have the largest impact on the composite score.
EV/EBITDA 41% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 54% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 82% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Ten large-cap stocks experienced significant declines during the week of January 26-30, 2026. Unity Software fell 31.63% following CEO comments about world models amid competition from Google's Project Genie. Precious metals stocks including Hecla Mining (down 33.33%) and Coeur Mining (down 26.13%) declined after President Trump's nomination of Kevin Warsh for Fed Chair strengthened the dollar. Healthcare stocks UnitedHealth (down 17.87%) and Humana (down 26.07%) fell after analyst downgrades. Other notable losers included The Trade Desk (down 16.61%), First Majestic Silver (down 22.86%), Axon Enterprise (down 20.88%), Reddit (down 16.79%), and Regencell Bioscience (down 13.38%).
U.S. stock futures showed mixed performance on Tuesday as President Trump announced fresh tariffs against South Korea. The S&P 500 and Nasdaq gained slightly while the Dow slipped. Key movers included UnitedHealth and Humana declining on healthcare policy concerns, Cloudflare surging on AI excitement, and Nucor falling after missing earnings estimates. The Federal Reserve begins its policy meeting with markets expecting rates to remain unchanged.
Humana’s CenterWell unit has agreed to acquire MaxHealth to expand its primary care reach in Florida. The deal adds MaxHealth clinics to CenterWell’s network, increasing access to value based care for patients in key Florida markets. The transaction highlights Humana’s (NYSE:HUM) continued focus on primary care delivery and Medicare focused services. For you as an investor following NYSE:HUM, this move sits at the core of Humana’s managed care and senior focused primary care model. Florida...
Major M&A activity includes Mercedes-Benz planning to sell part of its Daimler Truck stake for €12 billion, Humana in advanced talks to acquire MaxHealth for ~$1 billion, ByteDance selling Mobile Legends creator for $6-7 billion, and Britney Spears selling her music catalog to Primary Wave. Warner Bros. Discovery faces activist opposition to its Netflix deal, while Baker Hughes considers divesting Waygate Technologies.
UnitedHealth Group (NYSE:UNH) is facing its first potential annual revenue contraction in more than 30 years, alongside management guidance that is materially below prior expectations. The company is contending with regulatory pressure, including proposed flat Medicare Advantage reimbursement rates and continued government scrutiny of its operations. Former CEO Stephen J. Hemsley has returned to a leadership role as UnitedHealth leans on AI driven efficiency efforts and adjusts its approach...