Humana Inc. (HUM) Stock Analysis
Recovery setup
Healthcare · Healthcare Plans
Sell if holding. Engine safety override at $237.26: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.1/10. Specifically: Below-average business quality; Below long-term trend.
Humana is a major managed care company primarily serving Medicare Advantage and Medicaid members through its Insurance segment, plus CenterWell pharmacy, primary care, and home health services. As of Dec 31, 2025, it had ~15 million medical benefit plan members; 93% of premiums... Read more
Sell if holding. Engine safety override at $237.26: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.1/10. Specifically: Below-average business quality; Below long-term trend. Chart setup: Death cross but MACD improving, RSI 82. Score 5.1/10, moderate confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.50, news boost analyst cluster(3), earnings proximity 89d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHCustomergovernment health care coverage programs93%10-K Item 1A: 'federal and state government health care coverage programs, including the Medicare, military services, and Medicaid programs. These programs accounted for approximately 93% of our total premiums and services revenue for the year ended December 31, 2025'
- MEDIUMGeographicFlorida14%10-K Item 1A: 'These contracts accounted for approximately 14% of our total premiums and services revenue for the year ended December 31, 2025... individual Medicare Advantage members in Florida'
Material Events(8-K, last 90d)
- 2026-04-10Item 5.02LOWRobert S. Field elected to Board effective immediately following the April 16, 2026 Annual Meeting. Board expanded from 10 to 11 directors. Field qualifies as independent under NYSE standards.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Quality below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $237.26: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.1/10. Specifically: Below-average business quality; Below long-term trend. Chart setup: Death cross but MACD improving, RSI 82. Prior stop was $220.86. Score 5.1/10, moderate confidence.
Take-profit target: $241.88 (+1.9% upside). Prior stop was $220.86. Stop-loss: $220.86.
Concentration risk — Customer: government health care coverage programs (93.0%); Target reached (-19.9% upside); Quality below floor (3.9 < 4.0).
Humana Inc. trades at a P/E of 25.3 (forward 15.5). TrendMatrix value score: 6.3/10. Verdict: Sell.
33 analysts cover HUM with a consensus score of 3.4/5. Average price target: $211.
What does Humana Inc. do?Humana is a major managed care company primarily serving Medicare Advantage and Medicaid members through its Insurance...
Humana is a major managed care company primarily serving Medicare Advantage and Medicaid members through its Insurance segment, plus CenterWell pharmacy, primary care, and home health services. As of Dec 31, 2025, it had ~15 million medical benefit plan members; 93% of premiums and services revenue came from government health programs.