NASDAQ · STOCK
Humana
$363.85
52W $163.11 – $428.88
50/100
$43.67B
34.2
0.72
Is HUM Bullish or Bearish?
Mixed.
Innellis AI committee rates Humana (HUM) Watch with a composite score of 50/100
, based on 7 analysts with 71% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +10.07 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -9.93 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. News Analyst sees a compelling case — news sentiment is positive (+0.27 across 81 articles, 14d). Risk Analyst remains cautious — current ratio of 0.01 is tight -- limited short-term liquidity cushion. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.27 across 81 articles, 14d) — News
Bear Case
- P/E of 34.8 is moderate-to-rich — Value
- EPS declining -19.0% YoY despite any revenue growth — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- Price trading below the lower Bollinger Band -- stretched to the downside — Technical
- Current ratio of 0.01 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
50/100
Agreement
71%
Analysts
7
Conviction
Moderate
Sector Rank
Top 89%
of 93 Healthcare peers
Value Analyst
neutral
48
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− P/E of 34.8 is moderate-to-rich
Growth Analyst
neutral
50
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ 5 consecutive earnings beats -- consistent execution
− EPS declining -19.0% YoY despite any revenue growth
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.01 is tight -- limited short-term liquidity cushion
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 81 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 51.3 to 49.9.
- Conviction changed from contested to moderate.
- Committee agreement increased notably from 57% to 71%.
- New bearish signals: 4 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Growth Analyst: +1 bearish signal(s).
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Value Analyst: +1 bearish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
29.8
Oversold
MACD Histogram
-6.606
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
-0.02
Below Lower Band
Price vs Moving Averages
EMA 9
$379.01
Below
EMA 21
$383.13
Below
EMA 50
$359.53
Above
EMA 200
$285.74
Above
Fundamental Analysis
Valuation
70
Growth
69
Profitability
0
Financial Health
83
Cash Flow
8
Valuation
P/E Ratio
34.2×
P/B Ratio
2.28×
PEG Ratio
-1.84
Dividend Yield
0.01%
52W High
$428.88
52W Low
$163.11
Quality & Growth
ROE
6.7%
ROA
2.4%
Gross Margin
13.7%
Operating Margin
1.4%
Revenue Growth YoY
—
Debt / Equity
0.74
AI Fundamental Assessment
P/E ratio of 34.2 (rich relative to a 15-40x range); Price-to-book of 2.3x; PEG ratio of -1.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.0%; Gross margin of 0.1%; Current ratio of 1.74 (healthy short-term liquidity); Debt-to-equity of 0.74; Free cash flow margin of -3.0% (thin cash generation); Free cash flow per share is negative (-3.69); Most recent quarter beat estimates by 4.3%; 5 consecutive earnings beats; EPS growth decelerating (+360.4% -> -26.2% QoQ); Average YoY EPS growth of 21.4%; Analyst estimates rising over recent quarters
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