Humana provides health insurance and healthcare services, with a strong focus on Medicare Advantage and other government-sponsored plans. Through CenterWell, it operates or supports primary care, home health, and pharmacy services. Its earnings are shaped by insurance premiums, medical benefit costs, member risk profiles, reimbursement, and integrated care delivery.
Humana Inc. (HUM) has a MarketKingdoms composite score of 65.0 (B), an B-range rating. It ranks 819th of 1,866 covered companies, 35th of 78 in Healthcare (sector average 64.4) and 1st of 6 in Healthcare Plans. Scores as of 2026-10-26.
Its strongest lenses are Trend (momentum) at 76 (Healthcare average 50) and Industry opportunity at 73 (Healthcare average 81). Its weakest lenses are Quality (profitability) at 26 (sector average 50) and Price (valuation) at 48 (sector average 50).
| Lens | Type | HUM | Healthcare average | Healthcare Plans average | Percentile in sector |
|---|---|---|---|---|---|
| Industry opportunity | Research signal | 73 | 81 | 73 | 8th |
| Stock selection | Research signal | 71 | 79 | 76 | 15th |
| KPI momentum | Research signal | 66 | 78 | 72 | 19th |
| Catalyst watch | Research signal | 65 | 74 | 72 | 6th |
| Price (valuation) | Fundamental lens | 48 | 50 | 72 | 45th |
| Expansion (growth) | Fundamental lens | 62 | 50 | 42 | 74th |
| Quality (profitability) | Fundamental lens | 26 | 50 | 27 | 15th |
| Trend (momentum) | Fundamental lens | 76 | 50 | 57 | 86th |
The most recent call analysed was held on 2026-07-29 (fiscal 2026 Q2). MarketKingdoms checks what management promised on each call against what it later delivered.
The stock's valuation gap is +7.2%: its price is above the path its market, sector and industry moves explain (overvalued versus the model path). Factor sensitivity: market beta 1.87, sector beta -0.03, industry beta 0.93; the factor model explains 31% of its moves (R²).
| Company | Composite | Grade | Valuation gap |
|---|---|---|---|
| Elevance Health Inc. (ELV) | 64.4 | B | -5.5% |
| CVS Health Corp. (CVS) | 64.1 | B | -15.6% |
| Cigna Group (CI) | 63.4 | B- | +2.5% |
| UnitedHealth Group Inc. (UNH) | 63.3 | B- | +3.7% |
| Centene Corp. (CNC) | 62.4 | B- | -11.2% |
Humana Inc. financial statements · Healthcare sector ranking · Healthcare Plans industry ranking · All covered companies
The composite score (0–100, graded A+ to D-) blends research signals from each earnings call with fundamental lenses from SEC filings and market prices. Research signals: Industry opportunity, Stock selection, KPI momentum and Catalyst watch, read from what management said and whether it delivered. Fundamental lenses: Price (valuation), Expansion (growth), Quality (profitability) and Trend (momentum). Scores are recalculated every night and after every earnings call. The valuation gap compares the actual price path with the path the stock's market, sector and industry moves explain; it is a model comparison, not a fair-value estimate.
General information, not investment advice.