HUM
HUMANA INCEvidence as of 2026-09-03Overview · HUMANA INC
Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States. It operates through two segments, Insurance and CenterWell. The company offers medical and supplemental benefit plans to individuals. It also has a contract with Centers for Medicare and Medicaid Services to administer the Limited Income Newly Eligible Transition prescription drug plan program; and contracts…
Management team
- Mr. Japan A. Mehta · Chief Information OfficerFind on LinkedIn
- Mr. John-Paul William Felter · Senior VP, Chief Accounting Officer & ControllerFind on LinkedIn
- Ms. Celeste M. Mellet · Chief Financial OfficerFind on LinkedIn
- Mr. David E. Dintenfass · President of Enterprise GrowthFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.3 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
What the evidence shows
Mixed (+0.3 of a possible +2; was +0.3 before debate) · confidence high. Revenues ticked up modestly through fiscal Q1 2026 (fiscal quarter ended 2026-03-31), moving from $32,112,000,000 in fiscal Q1 2025 (fiscal quarter ended 2025-03-31) to $32,388,000,000 in fiscal Q2 2025 (fiscal quarter ended 2025-06-30) and $32,649,000,000 in Q3 2025 (fiscal quarter ended 2025-09-30) before rising to $39,648,000,000 in fiscal Q1 2026. Operating income and net income showed large intra-year swings (operating income: $2,014,000,000 → $1,098,000,000 → $400,000,000 → $1,754,000,000; net income: $1,244,000,000 → $545,000,000 → $195,000,000 → $1,186,000,000), and diluted EPS mirrored that pattern ($10.30 → $4.51 → $1.62 → $9.83). Share-count movements were small (around 120.7 million outstanding down to 120.06 million by 2026-03-31), reported buybacks rose from $9,000,000 in fiscal Q1 2025 to $107,000,000 in fiscal Q1 2026, long-term debt was roughly in the $12.3–12.7 billion range with $12,274,000,000 as of 2026-03-31, reported cash was $4,951,000,000 exceeding reported long-term debt of $2,600,000,000 on the dates given, and valuation slices show P/FCF 5.99, EV/EBITDA 7.68, P/E 15.27, FCF TTM $8,079,000,000 and an implied FCF growth of -17.76%.
What the debate changed
No surviving claims were dropped or weakened in the debate, so the desk’s read did not shift on numeric fundamentals or on the evidence balance. The analysts contested interpretation at the margins, but the chair did not remove or reduce any of the core numeric claims, so the original evidence set and its Mixed (+0.3) characterization remain intact.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Revenues rose modestly across fiscal Q1 2025 (period ended 31 March 2025) to fiscal Q3 2025 (period ended 30 September 2025): $32,112,000,000 → $32,388,000,000 → $32,649,000,000, then increased to $39,648,000,000 in fiscal Q1 2026 (period ended 31 March 2026).
XBRL companyfacts · 0000049071-25-000023Operating income and net income moved materially quarter-to-quarter: operating income was $2,014,000,000 in fiscal Q1 2025 (period ended 31 March 2025), $1,098,000,000 in fiscal Q2 2025 (period ended 30 June 2025), $400,000,000 in fiscal Q3 2025 (period ended 30 September 2025), and $1,754,000,000 in fiscal Q1 2026 (period ended 31 March 2026); net income was $1,244,000,000 in fiscal Q1 2025, $545,000,000 in fiscal Q2 2025, $195,000,000 in fiscal Q3 2025, and $1,186,000,000 in fiscal Q1 2026.
XBRL companyfacts · 0000049071-25-000023Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
An 8-K was filed on 1 September 2026.
8-K filed 2026-09-01The provided evidence record for that filing shows the parse status as 'pending' and does not include parsed content to extract risk-factor changes, management discussion text, or exhibit details.
8-K filed 2026-09-01Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
No computed signal history for this symbol yet — signals need roughly 70 trading days of price history.
Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
As of 2026-09-02, HUMANA INC appears as a holding in the iShares Core S&P 500 ETF (IVV) with a weight of 0.07% of that fund.
ETF constituents · market dataThe reported 0.07% weight indicates HUMANA INC represents a small single-stock exposure within IVV as of 2026-09-02.
ETF constituents · market dataReads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Humana's Board declared a cash dividend of $0.885 per share payable on November 27, 2026 to stockholders of record as of the close of business on October 30, 2026 (press release dated September 02, 2026).
News · finance.yahoo.com · 2026-09-02Coverage from kalkinemedia examined whether a DaVita–Humana deal is unlocking additional value, framing the story as company-specific coverage about the partnership and its implications.
News · kalkinemedia.com · 2026-09-02Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The model calculates an implied free cash flow (FCF) growth rate of -17.76% (implied_growth = -0.1776), meaning today's price would be consistent with a declining FCF profile under the stated discount and terminal assumptions.
Valuation inputs · SEC XBRL + stored EOD closePrice-to-free-cash-flow (P/FCF) on trailing twelve months FCF is 5.99.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
The evidence set shows expanding revenues into fiscal Q1 2026, consistent share count modestly down, and a material increase in cash paid for share repurchases—signals that operational scale and capital return priorities improved over the reported periods. Valuation multiples (P/FCF 5.99, EV/EBITDA 7.68, P/E 15.27) and a large trailing twelve-month FCF ($8.08B) indicate the market pricing relative to generated cash flows is compressive, which, together with reported cash exceeding long-term debt, supports a favorable liquidity and valuation profile. Company-level news items (dividend declaration, DaVita partnership expansion, CMO hire with digital health/value-based care experience, and reiterated FY2026 guidance) provide company-specific catalysts and investor communications that align with operational focus on value-based care and shareholder returns. These pieces jointly form a bull-leaning read because improved revenue, meaningful cash flow, active buybacks/dividend actions, and comparatively low multiples are internally consistent signals of financial strength and capital allocation toward shareholders.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.33
22 surviving claims rest on 11 distinct sources; the heaviest analyst carries 27% of them, and 100% of what the desk raised survived the debate.
The evidence set rests on a modest number of distinct sources but supports a relatively large bundle of surviving claims; with one analyst supplying over a quarter of those claims and the desk retaining everything post‑debate, the read carries moderate source concentration and some analyst dependence. That combination raises fragility — the overall picture is informative but individual claims would lose weight if the few dominant sources or that analyst's inputs were undermined or supplemented by new filings.
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
12 filings· 1 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.5 to the score
1 document
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.0 to the score
1 holdings record
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.5 to the score
8 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on HUM Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.