Humana Inc. (HUM)
Humana is a major American health insurance provider that specialises in Medicare plans for older adults.
Is Humana Inc. a good stock for a UK beginner?
The honest version: There's no rating here and nothing for sale. In its favour: Strong position in the growing Medicare Advantage market. Worth weighing: Very thin profit margins leave little room for error.
Is this normal for this company?
Each figure against the range this same company has produced recently. Neither end of a range is the good end.
Share price divided by the earnings actually reported over the four most recent quarters. The range is the same calculation at each of this company's last few results, so roughly the past year.
Profit as a share of sales, from the company's own quarterly statements. The range covers the 5 quarters we hold, and the figure shown is its most recent one.
How these ranges are built
Every number here is the company's own reported figure, not a comparison with other companies. The ranges come from this company's own results and its share price. Where it reports in a different currency from the one its shares trade in, the price-to-earnings range is left out rather than mixing the two.
What does Humana Inc. do?
Humana makes its money by collecting insurance premiums from members and paying for their medical care. They are heavily focused on the US government's Medicare Advantage programme, which provides health coverage for seniors. Much hinges on how they manage the rising costs of medical care, since even small changes in what they pay hospitals can have a big impact on their thin profit margins.
On our factor screen it looks strongest on momentum and growth, and weakest on quality.
- ✓Pays a dividend - about 0.9% a year
- ✓Growing - revenue up about 26% over the year
- !Thin profits - turns only about 1% of sales into profit
- !High P/E of 35 - big growth is already priced in
- Growth screens high
- Momentum screens high
- Quality screens low
Does Humana Inc. pay a dividend?
Yes - Humana Inc. currently pays a dividend of about 0.9% a year, which is £9.20 a year for every £1,000 invested (the yearly payout as a share of the price). A dividend is a slice of profit handed to shareholders; the yield moves as the price moves, and a company can cut or stop it. An ISA doesn't shelter the US tax on this one →
What do the numbers say about Humana Inc.'s dividend?
There's no rating here, and we don't judge whether the dividend will continue - that would be advice. Here are the figures income investors usually look at, and what each one means, so you can weigh it up yourself.
Figures are from the latest available data and can be distorted by one-off results. Past payments don't predict future ones, and a dividend can be cut at any time. This lays out the numbers to help you understand them - it is not a view on what will happen.
Most recent ex-dividend date: 26 Jun 2026. To receive a dividend you must already own the shares before the ex-dividend date; become a holder on or after it and the previous owner keeps that payment. Why the price usually falls that morning →
Does Humana Inc. have more cash or more debt?
It holds about $23.87B in cash against about $14.74B of debt - so it has net cash of about $9.13B. More cash than debt is a cushion: it does not need to borrow just to cover what it owes.
From the latest reported balance sheet. Cash and debt levels change, and some borrowing is normal - this is context, not a judgment.
What do Humana Inc.'s numbers mean?
How has it performed?
Growth of £1,000, the worst fall, and year by year
Over about 2 years to 2026-09-11. This is the share price only - reinvesting the dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
How much has Humana Inc. actually fallen?
Over the last 2 years of daily prices, Humana Inc. fell as much as −56% from a high to a later low. Falls like this are normal when you own a share.
Past falls are not a forecast - it can fall further, or recover.
How has it done year by year?
Calendar-year total return - the share price with dividends reinvested - from adjusted closing prices. The current year is only part-complete. Past returns are not a guide to the future.
A closer look at the numbers
Ownership, earnings history, where the money goes, and the outlook range
Does the share price tell you if it's cheap or expensive?
Who owns Humana Inc.?
About 97% of Humana Inc., or about 97 in every 100 shares, is held by big institutions such as pension and index funds. The rest, roughly 2%, is held by the public and smaller investors.
What this does and doesn't tell you
This is a recent snapshot of the share register, and it moves. We don't read anything into who owns what - a high institutional share is common for any large listed company and is not a signal about it.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
How much money does Humana Inc. make?
Revenue and profit by quarter, and how much of each sale turns into profit.
Where does each £100 of Humana Inc.'s sales go?
A rough split of the latest full-year figures: of every £100 of sales, about £86 covers making the product or service, £13 goes on running costs, tax and interest, and about £1 is left as profit. Margins vary a lot by industry, and one-off items can distort a single year.
When does Humana Inc. report earnings, and how did recent quarters go?
Humana Inc. is next scheduled to report on about 2026-11-06 - dates can move, and we don't predict results; this just tells you when to look.
‘Beat’ and ‘missed’ are against what analysts expected, not whether the business is doing well.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-07-29 | $6.99 | $7.61 | Beat +9% |
| 2026-04-29 | $10.20 | $10.31 | Beat +1% |
| 2026-02-11 | $-3.99 | $-3.96 | In line |
| 2025-11-05 | $2.83 | $3.24 | Beat +15% |
| 2025-07-29 | $5.87 | $6.27 | Beat +7% |
| 2025-04-30 | $10.07 | $11.58 | Beat +15% |
Across the last 6 quarters here, Humana Inc. came in ahead of what analysts expected 5 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Where these figures come from
Each quarter a company reports its results against a consensus of analyst forecasts. The figures here are reported versus expected earnings per share from published results; the expectation is that analyst consensus, not our view. Report dates are estimates and can move.
What are the scenarios for Humana Inc.?
An illustrative range for the year ahead — not a prediction or a price target.
What are the pros, cons and common questions?
The case each way, and the questions people ask
An ageing population drives long-term demand for their core insurance products.
Major regulatory overhauls significantly limit the profitability of private Medicare plans.
What are the pros and cons of Humana Inc.?
A balance check, not a score or verdict.
- Strong position in the growing Medicare Advantage market
- Lower share price volatility compared to the wider market
- Significant year-on-year revenue growth: How fast the company's sales grew versus a year ago.
- Very thin profit margins leave little room for error
- Recent earnings growth has been negative
- High reliance on government-funded programmes
- Changes to US government healthcare policy could impact revenue
- Rising medical costs can quickly erode profitability
- Intense competition from other large insurance providers
The write-up's own warning lights — if these start happening, the case above changes.
- A permanent change in how the US government funds Medicare
- A sustained period of rising profit margins
Common questions about Humana Inc.
Does Humana Inc. pay a dividend?
Yes - Humana Inc. currently pays a dividend of about 0.9% a year. Dividends are a share of profit paid to holders; the yield moves with the price and payouts can be cut.
When does Humana Inc. report earnings next?
Humana Inc. is next scheduled to report results on about 2026-11-06. Report dates are estimates and can move; this is a diary note for when to look, not a forecast of the outcome.
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This plain-English summary was auto-generated on 2026-08-02 from public data and checked for an education-only, no-advice tone (the figures above carry their own, usually fresher, 'as of' date). It's information, never a recommendation.