HUM
HumanaBNYSE / Health Care Equipment & Services
Last Price
At close
2026-07-20
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 -2.5.
What can break
CenterWell margins remain pressured by the v28 risk-model phase-in, specialty mix, and MaxHealth integration and transaction costs.
Momentum
92
Value
58
Sentiment
27
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $215.00 · Bull $265.00 · Bear $180.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-29 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-20
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $351.79
Why
Momentum92 · Δ7d -2.5
Value58 · Δ7d +0.1
Sentiment27 · Δ7d -2.2
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
92
26% active weight
Current posture
7d trendFlat
Δ7d
-2.5
Δ21d
-6.8
Value
58
39% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
+0.4
Sentiment
27
34% active weight
Current posture
7d trendSoftening
Δ7d
-2.2
Δ21d
-3.7
Why this grade
Composite grade B. Momentum 92.2 / Value 58.0 / Sentiment 26.6
Fundamentals (TTM)As of 2026-07-20
Fundamentals (TTM)
As of 2026-07-20
Market Cap
$47.81B
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 2026-07-20 • Updated nightlySource: Internal modelMethodology