HUM

HumanaB

NYSE / Health Care Equipment & Services

At close

2026-07-18

Current thesis

The primary-source read is better than the headline stock reaction: Q1 adjusted EPS landed at the high end of guidance, benefit ratio was slightly favorable, membership growth stayed on track, and management said medical/pharmacy trend is modestly better than expected. If Q2 confirms those cost signals, the market can refocus on 2027-2028 earnings recovery rather than only the 2026 trough.

Posture

Constructive

Lead driver

Momentum

What changed

Momentum remains the lead driver in the composite, 7D delta -3.4.

What can break

CenterWell margins remain pressured by the v28 risk-model phase-in, specialty mix, and MaxHealth integration and transaction costs.

Momentum

Value

Sentiment

Setup hits (3d)

— · Net —

AI TargetsBase $215.00 · Bull $265.00 · Bear $180.00

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-29 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net —

Target $333.92

Why

Momentum92 · Δ7d -3.4

Value58 · Δ7d -0.0

Sentiment27 · Δ7d -2.1

So what

Strength-led posture. Favor watchlist adds and disciplined entries.

Setup hits not loaded

Load setup hits to see net bias and recent triggers.

Load setup hits

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-3.4

Δ21d

-7.0

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.0

Δ21d

+0.2

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-2.1

Δ21d

-3.7

Why this grade

Composite grade B. Momentum 92.3 / Value 58.1 / Sentiment 26.7

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$48.02B

Beta

0.44

Shares Out

120.06M

P/E (TTM)

25.8

P/S (TTM)

0.26

P/FCF (TTM)

29.67

Rev YoY

+23.5%

EPS YoY

-4.5%

Gross Margin

Op Margin

+2.3%

Net Debt

$8.74B

Current Ratio

1.77

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology