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HUHUM

Humana Inc.

$HUM·$49B·Medical - Healthcare Plans·Healthcare
$395.74-2.8%YTD+59.1%1Y+47.9%
Price updated 1m ago·X counts updated 2d ago
HUHUM
$HUMHumana Inc.
$395.74-2.77%49 posts1.1×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $HUM on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

49X posts · last 7 days
Aug 31Sep 13
Chatter Meter
1.1×
QuietNormal · 1×Loud

How loud $HUM's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 70% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data7 posts analyzed · as of 2026-09-02

Humana confirms a partnership with Clover ($CLOV) tied to early kidney-disease detection and treatment, and management reaffirms 2026 earnings guidance during September investor meetings — GAAP diluted EPS at least $6.52, adjusted floor and range intact. Options traders are pricing a $21 move by end of next week with plans to trim near $412 if velocity picks up. Community reaction is uniformly constructive.

Read what X is saying about $HUM

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $HUM — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-09-14

The move is getting stronger, with heavier trading behind it.

Humana up 60% YTD — Clover partnership on kidney disease, 2026 guide reaffirmed at ≥$6.52 GAAP diluted EPS.

Humana is the Medicare-Advantage focused managed-care franchise — Q2 revenue $40.9B up 26.2% YoY at 3% operating margin — up 60% YTD as the MA-cycle stabilization plus continued member growth both worked.

  • Q2 revenue was $40.9B up 26.2% YoY at 3% operating margin — the top-line growth is strong and the operating margin is thin because of MA-plan MLR pressure; 34x P/E is priced for continued MLR stabilization plus MA-membership growth.
  • Humana confirming the Clover partnership on early kidney-disease detection and treatment plus management reaffirming 2026 earnings guidance (GAAP diluted EPS at least $6.52) is real forward-guidance commitment. Options pricing a $21 move by end of next week is real derivative-market positioning.

At 93% of its 52-week range and 45% above the 200-day, this is accelerating. The Nov 6 Q3 print with medical-cost-ratio holding stable plus MA-membership growth continuing is what carries this past $440; another MLR miss or a Medicare-Advantage-star-ratings issue is what pulls this back to $360.

Agrees with X sentimentBulls' framing — Humana confirming Clover ($CLOV) partnership on early kidney-disease detection and treatment, management reaffirming 2026 GAAP diluted EPS at least $6.52 with adjusted floor and range intact, options pricing a $21 move by end of next week with plans to trim near $412 if velocity picks up, uniformly constructive tone — is a coherent partnership-plus-guidance-plus-derivative-flow setup.

What to watch: The Nov 6 Q3 print. Medical-cost-ratio holding stable plus MA-membership growth continuing and continued Clover-partnership execution is what carries this past $440; another MLR miss or a Medicare-Advantage-star-ratings issue on the CMS-notice cycle is what pulls this back to $360.

On the calendar: 2026-11-06 — Q3 earnings

Read the AI verdict on $HUM

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

One of the largest Medicare Advantage insurers in the US, offering pharmacy benefits, home health, and value-based care programs.

Industry overviewAI analysisGenerated by AI from underlying data

Where Medical - Healthcare Plans sits in its cycle right now — and what that implies for $HUM.

Medical - Healthcare Plans · Healthcare

CVS explicitly flagged elevated medical cost trends this week, confirming ongoing managed-care pressure from specialty drug inflation and utilization recovery. Medicare Advantage star-rating reductions are compressing insurer margins heading into the 2027 rate-notice cycle.

What this means for $HUM

Headwind — near-pure Medicare Advantage concentration makes Humana most exposed to star-rating revisions and specialty drug cost inflation across the managed care cohort.

Top industry ETF

$IHFiShares U.S. Healthcare Providers ETF
+20.0%YTD
+19.2%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
34.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
4.5%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
1.4%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
-1.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.3Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
6.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
13.7%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 29, 2026$7.61$7.27+4.7%
Q1 2026Apr 29, 2026$10.31$10.24+0.7%
Q4 2025Feb 11, 2026$-3.96$-4.00+1.0%
Q3 2025Nov 5, 2025$3.24$2.93+10.6%
Next earningsFri, Nov 6·consensus EPS $-0.94

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$40.9B+26.2%13.5%3.3%$5.79$-558.0M
Q1 FY26$39.6B+23.5%15.0%4.0%$9.85$1.1B
Q4 FY25$32.5B+11.3%11.7%-3.2%$-6.61$-1.9B
Q3 FY25$32.6B+11.1%14.3%0.3%$1.62$836.0M

Forward consensus

5-year forecast · up to 18 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$162.5B$161.7B – $162.9B$9.15$9.03 – $9.6116
FY27$167.8B$160.7B – $177.8B$16.72$11.38 – $19.8416
FY28$179.0B$163.3B – $193.8B$27.70$19.76 – $33.5018
FY29$190.0B$182.1B – $197.7B$35.02$33.13 – $36.8710
FY30$205.8B$197.2B – $214.1B$35.78$33.85 – $37.669

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.92%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+4.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+43.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 119.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.6% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.745-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

No open-market buys or sells in the last 180 days.

+ 17 other (14 awards · 1 exempt · 1 inkind · 1 other) in window

See when $HUM insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDSep 18-K — Item 7.01: Press release / Reg FD
3New insider — initial holdingsAug 313
AI summary

Humana Inc. (HUM) filed Form 3 reporting Shantanu Nundy as a new Chief Medical Officer as of August 31, 2026. Nundy directly holds 0 shares of Humana common stock at the time of reporting. No derivative securities are reported. Routine officer-onboarding disclosure; appointment of a CMO is operationally meaningful for a managed care organization like Humana but carries no direct financial impact.

3New insider — initial holdingsJul 293
AI summary

A new 10%+ beneficial owner filed a Form 3 initial statement of ownership for HUM (HUM) dated 2026-07-29. The filing reports initial beneficial ownership of shares, representing approximately a 10%+ stake of outstanding shares. Form 3 is required within 10 days of crossing the 10% ownership threshold and is an administrative disclosure. This indicates significant insider or institutional accumulation and may precede further Schedule 13D/G activity.

3New insider — initial holdingsJul 293
AI summary

A new 10%+ beneficial owner filed a Form 3 initial statement of ownership for HUM (HUM) dated 2026-07-29. The filing reports initial beneficial ownership of shares, representing approximately a 10%+ stake of outstanding shares. Form 3 is required within 10 days of crossing the 10% ownership threshold and is an administrative disclosure. This indicates significant insider or institutional accumulation and may precede further Schedule 13D/G activity.

8-KOfficer or director changeJul 298-K — Item 5.02: Officer or director change
AI summary

Humana Inc. (HUM) disclosed an officer or director change (Item 5.02) on 2026-07-29. Details: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Executive transitions are administrative disclosures; materiality depends on the seniority of the affected position. No new financial terms were disclosed in this filing.

8-KPress release / Reg FDJul 298-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

Humana Inc. (HUM) reported Q2 2026 financial results on 2026-07-29, reporting results detailed in attached press release. Management guidance: expectations for future earnings, is attached hereto as Exhibit 99. Additional items: Item 7.01. Quarterly earnings are a material disclosure; investors should review the full press release for segment details and management commentary.

8-KPress release / Reg FDJun 18-K — Item 7.01: Press release / Reg FD
8-KMaterial agreementMay 198-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
+ 12 other (3 13Gs · 3 8-Ks · 2 10-Qs · 2 11-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Ameritas Advisory Services LLC Takes Position in Humana Inc. $HUMdefenseworld.net·5d agoHumana Inc. $HUM Shares Purchased by Arizona State Retirement Systemdefenseworld.net·6d agoRichard Pzena Buys Globant SA (GLOB) -- Shares Look 78% Undervalued on GF Valuegurufocus.com·7d agoDid Humana Inc. Insiders Breach their Fiduciary Duties to Shareholders?prnewswire.com·8d agoInsurers Have Already Told Wall Street Which Advantage Plans Die on December 31. Members Are the Last to Know, and the Letter Isn’t Due Until October 2.247wallst.com·10d ago

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Voices on X · last 7 days

No standout posts about $HUM on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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