InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$413.33

2026-10-16

Market Cap

$49.6B

Volume

1.3M

52-Wk High

$456.50

52-Wk Low

$163.11

Trailing PE

38.8

P/S

0.34

Gross Margin

13.7%

Net Margin

0.9%

ROE

7%

ROIC

5%

Piotroski

7/9

Altman Z

4.6

1-Yr Return

+54.6%

5-Yr Return

+48.0%

Humana Inc., a prominent health and well-being enterprise, operates across the United States through its various subsidiary companies. Its operational structure is divided into three main segments: Retail, Group and Specialty, and Healthcare Services. The firm provides a wide array of medical and supplementary insurance plans directly to individual consumers. Furthermore, Humana collaborates with government entities; it holds a contract with the Centers for Medicare and Medicaid Services (CMS) to manage the Limited Income Newly Eligible Transition (LI NET) prescription drug program. The company also secures agreements with numerous states to deliver Medicaid, dual-eligible, and long-term care support benefits. For employer groups and individuals, Humana furnishes fully insured commercial medical and specialized health coverage, which encompasses dental, vision, and other ancillary health benefits. They additionally offer administrative services only (ASO) solutions and extend support to military personnel through contracts like the TRICARE T2017 East Region. Beyond insurance products, the company delivers comprehensive healthcare services directly. These include pharmacy management, provider network services, and a suite of home-based solutions such as home health care, serving both its own health plan enrollees and external clients. By the close of 2021 (December 31), Humana's reach extended to approximately 17 million individuals enrolled in its medical benefit plans and an additional 5 million utilizing its specialized product offerings. Established in 1961, Humana Inc. maintains its corporate headquarters in Louisville, Kentucky.

SectorHealthcareIndustryMedical - Healthcare PlansExchangeNYSEMarket Cap$49.6BEmployees67,060 (SEC-filed)CEOJames A. RechtinIPO1981-12-31CountryUS

Humana Building, Louisville, KY 40202 · Tel 502 580 1000 · humana.com

INSIDERSTREET SCORE27 / 100Street mean $477.18 (22 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALCOMP-PLAN ACTIVITY ONLYexercises and tax withholding only

1 Year vs S&P 500 · HUM +54.6% · S&P 500 +15.9% · spread +38.8pp

7 Years vs S&P 500 · HUM +48.0% · S&P 500 +189.9% · spread -141.9pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE27of 100

Score Breakdown

Profitability	15/100
Growth	40/100
Momentum	33/100
Quality	35/100
Earnings Quality	60/100
Balance Sheet	70/100
Value	45/100
Risk (safety)	100/100
Overall	26.5/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
CNC	37
CI	61
ELV	57
CVS	52
MOH	30
OSCR	76
HUM	27

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 69 in 23 Q2, latest 27 — -43 since. Dropped below the 55 line in 23 Q4, at 54. Fell in 3 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY27 / 100IS Score 26.5 / 100 · -42.5 from peak of 69

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBULLISHTechnical Score 78 / 100 · Power +55 · 17 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

These two disagree — business quality 27, price structure 78 out of 100, so the price reads better than the business does. We publish the disagreement rather than resolving it: they answer different questions, and the gap between them is information, not an error.

Trigger	Where it stands now	What it would mean
IS Score reaches 55 and holds two consecutive quarters	now 26.5	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 50 → 39 → 46 → 27	the direction matters more than the level
Technical vote share back above 50%	now 82%	price structure no longer broken
Institutional holder count rises two quarters running	peak 1,160 → now 933	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)1 buys2026-03-27

Insider Buys (180d)0none disclosed

ETF Funds (30d)1207 up / 1008 downnet +199 funds

Institutions Added (13F)144managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 1,160 · latest 933 (-227 from peak).

Quarter	Holders	13F shares	Value	Reported own%	Guard
2026 Q2	933	119.8M	$47.1B	99.7%
2026 Q1	789	115.3M	$19.8B	95.9%
2025 Q4	865	120.5M	$30.6B	100.3%	ex-outlier 88.4%
2025 Q3	893	113.1M	$29.1B	94.1%
2025 Q2	885	113.5M	$27.6B	94.4%
2025 Q1	906	114.2M	$30.0B	95.0%
2024 Q4	882	116.3M	$28.3B	96.8%
2024 Q3	945	112.9M	$34.5B	93.9%
2024 Q2	985	113.8M	$40.9B	94.7%
2024 Q1	1,036	109.8M	$36.5B	91.4%
2023 Q4	1,160	111.5M	$48.5B	92.8%
2023 Q3	1,091	114.1M	$51.1B	94.9%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

Why 2025-12 reads 100.26%. Institutions cannot hold more of a company than exists. The reported 120.5M shares exceed the 120.2M outstanding, and a single filer accounts for the excess: VANGUARD GROUP INC reports 14,261,860 shares against 14,155,830 the prior quarter, a 1x jump, which alone would be 11.9% of the company. Excluding that filing, ownership is 88.4%. We publish both figures. 13F filings are due 45 days after quarter end and amendments keep arriving after that, so the newest quarter is provisional by construction - this is what an unsettled quarter looks like.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Hilzinger Kurt J	director	2026-09-30	A-Award	238	—	16,772
Nundy Shantanu	Chief Medical Officer	2026-09-01	A-Award	2,549	—	2,549
Crawford Frederick John	director	2026-08-01	A-Award	544	—	544
Smith Paul John	director	2026-08-01	A-Award	544	—	544
Hilzinger Kurt J	director	2026-06-30	A-Award	233	—	16,534
Mellet Celeste	Chief Financial Officer	2026-05-01	A-Award	15,387	—	39,637
Mehta Japan	Chief Information Officer	2026-05-01	A-Award	9,448	—	17,176
Dintenfass David	President, Enterprise Growth	2026-05-01	A-Award	11,273	—	25,407

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
M — Exercises (paired A/D)	1	887	—	None — mechanics
F — Tax withholding	1	401	$0.1M	None — compensation
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalComp-Plan Activity Only

Open-Market Sells$0.0M0 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2025-04-08	Diamond Susan M	10,959	$2.7M
2025-02-24	Huval Timothy S.	1,247	$0.3M
2024-12-31	Huval Timothy S.	3,703	$0.9M
2024-12-06	William K. Fleming	8,661	$2.5M
Trailing 12 mo	0 filings	—	$0M

Filed	Form	Reporting person	% of class	Shares
2026-04-30	SCHEDULE 13G	Vanguard Capital Management	7.55%	9.1M sh
2025-07-29	SCHEDULE 13G/A	The Vanguard Group	11.76%	14.2M sh
2025-04-17	SCHEDULE 13G/A	BlackRock, Inc.	7.70%	9.3M sh
2025-02-13	SCHEDULE 13G	Dodge & Cox	8.50%	10.2M sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Member	Chamber	Trade	Size band	Traded	Disclosed
Michael McCaul	House	BUY	$1,001 - $15,000	2026-04-10	2026-05-11
Michael T. McCaul	House	BUY	$1,001 - $15,000	2026-04-10	2026-05-11
Julia Letlow	House	SELL	$1,001 - $15,000	2026-02-10	2026-03-13
Alan Armstrong	Senate	BUY	$1,001 - $15,000	2026-03-27	2026-07-20

House 12-Mo17 trades7 purchases

Senate 12-Mo1 trades1 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)789

13F Shares115M95.9% of shares out

New / Closed106 / 167positions, QoQ

Increased / Reduced249 / 328positions, QoQ

Put/Call (13F)1.16option positions

Free Float99.8%120M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	1.3M	$479M
Perpetual Ltd	136,402	$52M
Fisher Funds Management Ltd	88,947	$34M
Banque Pictet & Cie Sa	41,333	$16M
Mn Services Vermogensbeheer B.V.	34,732	$13M
Czech National Bank	34,502	$13M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.1%	$1.5B
VTSAX	0.1%	$1.5B
VTI	0.1%	$1.5B
VSMPX	0.1%	$1.5B
VFIAX	0.1%	$1.2B
VFINX	0.1%	$1.2B

13F Filers Holding HUM — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session52.1%2026-10-15

20-Day Avg51.2%50-day 51.8%

TrendFalling20d vs 50d

By Market CenterQ: 50% · N: 80% · B: 53%latest session

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Weekly Notional ($B)

Where HUM Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Ubsa Ubs Ats	3.1M	36 sh
Incr Intelligent Cross Llc	2.9M	30 sh
Sgmt Sigma X2	1.7M	33 sh
Ebxl Level Ats	1.4M	27 sh
Mlix Instinct X	1.2M	42 sh
Mspl Ms Pool (Ats-4)	1.2M	78 sh

Where a dollar of Humana Inc. revenue goes. All values FY2025 filings, live.

HUM (live moat model)Peer median: CNC · CI · ELV · CVS · MOH

Component scores from the live moat model. Peer median illustrative.

Moat score 46/100 — Weak; primary source Efficient Scale.

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3.8 · Employees (SEC filings)

Officer	Title
Celeste Mellet	Chief Financial Officer
Japan Mehta	Chief Information Officer
James A. Rechtin	President, Chief Executive Officer & Director
Michelle O'Hara	Chief Human Resources Officer

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)4 of 6recent quarters

Avg Surprise+6.3%

Next Report2026-11-06

Income Quality0.12OCF ÷ net income

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+7.7%	+11.8%	+14.5%	+10.7%	+10.1%
Gross profit	+7.7%	+11.8%	+14.5%	+10.7%	-84.0%
Operating income	-27.1%	+6.4%	-5.2%	-49.1%	-15.6%
Net income	-12.9%	-4.3%	-11.3%	-51.5%	-1.6%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	83.1	92.9	106.4	117.8	129.7
Cost of revenue	0.0	0.0	0.0	0.0	110.8
Gross profit	83.1	92.9	106.4	117.8	18.9
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	0.0	0.0	0.0	0.0	0.0
Operating income	3.4	3.6	3.4	1.7	1.5
EBITDA	4.4	4.8	4.8	3.3	2.9
D&A	0.7	0.8	0.9	1.0	0.8
Pretax income	3.4	3.6	3.3	1.6	1.5
Income tax	0.5	0.8	0.8	0.4	0.2
Net income	2.9	2.8	2.5	1.2	1.2
Diluted EPS ($)	22.67	22.08	20.00	9.98	9.84
Diluted shares (M)	129	127	124	121	121

Operating CF$1B

CapEx$1B

Free cash flow$0B

SBC$0B

Buybacks$0B

Net cash change$2B

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Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	5.1	4.7	2.2	4.2
ST investments	0.0	0.0	0.0	0.0
Receivables (net)	1.7	2.0	2.7	3.3
Total current assets	0.0	0.0	0.0	7.5
PP&E (net)	3.7	3.5	3.0	2.7
Goodwill + intangibles	10.9	11.2	11.1	10.8
Total assets	43.1	47.1	46.5	48.8
Accounts payable	0.0	0.0	0.0	9.8
Short-term debt	0.0	0.0	0.0	0.2
Deferred revenue	0.0	0.0	0.0	0.4
Total current liabilities	0.0	0.0	0.0	10.3
Long-term debt	9.0	10.2	11.1	12.4
Total liabilities	27.7	30.7	30.0	31.0
Shareholders' equity	15.4	16.3	16.4	17.7

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	2.8	2.5	1.2	1.2
D&A	0.8	0.9	1.0	0.8
Stock-based compensation	0.2	0.2	0.2	0.2
Working capital change	0.5	0.1	0.2	(1.9)
Operating cash flow	4.6	4.0	3.0	0.9
Capital expenditures	(1.1)	(1.0)	(0.6)	(0.5)
Investing cash flow	(1.0)	(3.5)	(3.0)	2.3
Buybacks	(2.1)	(1.6)	(0.8)	(0.2)
Dividends paid	(0.4)	(0.4)	(0.4)	(0.4)
Debt issuance / (repay)	(1.4)	0.4	0.2	0.5
Financing cash flow	(1.9)	(0.9)	(2.5)	(1.2)
Free cash flow	3.5	3.0	2.4	0.4

Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

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Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	19.7%	17.9%	15.8%	7.4%	7.0%	7%
ROA	7.4%	6.4%	5.5%	2.6%	2.5%	2.2%
ROIC	12.4%	14.5%	11.6%	5.1%	4.8%	4.5%
Gross margin	100.0%	100.0%	100.0%	100.0%	14.5%	13.7%
Operating margin	4.0%	3.8%	3.2%	1.5%	1.1%	1.4%
Net margin	3.5%	3.0%	2.3%	1.0%	0.9%	0.9%
EBITDA margin	5.3%	5.2%	4.5%	2.8%	2.2%	2.1%
FCF margin	1.1%	3.7%	2.8%	2.0%	0.3%	—
VALUATION
P/E	19.62	22.27	22.04	25.12	25.94	38.8
P/B	3.58	4.08	3.37	1.85	1.75	2.6
P/S	0.69	0.67	0.52	0.26	0.24	0.34
P/FCF	60.84	18.03	18.43	12.68	82.19	-112.0
EV/EBITDA	14.73	13.81	12.60	11.72	13.32	18.4
EV/Revenue	0.78	0.72	0.57	0.33	0.31	0.4
Earnings yield	5.1%	4.5%	4.5%	4.0%	3.9%	2.57%
FCF yield	1.6%	5.5%	5.4%	7.9%	1.2%	-0.89%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	—	—	—	—	0.72	1.74
Quick ratio	—	—	—	—	0.72	1.74
Debt / equity	0.66	0.59	0.63	0.68	0.73	0.74
Debt / assets	23.8%	21.0%	21.7%	24.0%	26.5%	24.9%
Net debt / EBITDA	1.63	0.83	1.15	2.66	2.94	2.37
Interest coverage	11.29	9.90	7.86	3.61	3.40	—

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Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	2.09	2.12	2.36	2.52	2.72	2.55
Receivables turnover	56.28	53.25	57.36	49.70	43.41	25.6
DSO (days)	6	7	6	7	8	14
DPO (days)	—	—	—	—	32	37
Cash conversion cycle	—	—	—	—	-23	-23
GROWTH (YoY)
Revenue growth	7.7%	11.8%	14.5%	10.7%	10.1%	—
Net income growth	-12.9%	-4.3%	-11.3%	-51.5%	-1.6%	—
EPS growth	-10.5%	-2.1%	-9.0%	-50.8%	-1.2%	—
FCF growth	-79.8%	266.5%	-14.1%	-19.7%	-84.3%	—
PER SHARE ($)
EPS (diluted, TTM)	22.81	22.33	20.32	9.99	9.87	10.63
Book value / share	125.03	121.86	132.79	135.60	146.73	160.38
Revenue / share	645.85	739.15	868.64	975.13	1077.49	1211.98
FCF / share	7.36	27.59	24.31	19.80	3.12	-3.69
Cash / share	26.39	40.28	38.33	18.39	34.90	198.60
SHAREHOLDER RETURN & SCORES
Buyback yield	0.1%	3.4%	2.9%	2.7%	0.5%	0.31%
Altman Z-Score	4.10	4.64	4.42	4.16	4.17	4.6
Piotroski F-Score	3	6	5	5	4	7/9
Beneish M-Score	-1.67	-2.75	-2.41	-2.38	1.68	0.99

Model	Score	Zone	Note
Piotroski F-Score	7 / 9	Strong
Altman Z-Score	4.6	Safe (>2.99)	Safe
Income quality	0.12	Accrual-heavy	OCF ÷ net income
Beneish M-Score	0.99	Elevated	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.79
Interest burden	0.70
Operating margin	1.6%
Asset turnover	2.71×
Financial leverage	2.87×
= ROE	7%

Growth Quality (live)	Value
Revenue stability	0.97
Earnings stability	0.58
Earnings persistence	0.92
Revenue CAGR 3y	13.8%
EPS CAGR 3y	-26.8%
FCF CAGR 3y	—

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Buyback Yield0.31%

Dividend Yield0.86%

Total Shareholder Return1.21%cash yield

SBC / Revenue0.2%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
CNC	$34.2B	-6.7	-20%	2.5%	+8.7%	6/9	+94.0%
CI	$79.9B	12.5	15%	2.3%	+7.7%	8/9	+4.5%
ELV	$92.9B	19.0	11%	2.9%	+6.3%	6/9	+23.6%
CVS	$118.1B	24.1	6%	2.8%	+7.4%	8/9	+14.4%
MOH	$10.8B	1296.0	-0%	0.6%	+2.6%	5/9	—
OSCR	$8.3B	18.6	34%	7.4%	+42.8%	7/9	—
UNH	$360.3B	22.9	16%	3.6%	+3.3%	7/9	—
EW	$49.9B	49.8	9%	13.9%	+14.6%	6/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Hold

44 Analysts

Str Sell (0)Sell (1)Hold (23)Buy (20)Str Buy (0)

Mean Target (qtr)$477.1822 targets

Target vs. Price+15.4%last-quarter mean

Next Report2026-11-06street $-1.00

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$162.52B	$162.99B / $161.77B	$9.16	$9.61 / $9.04	17
FY2027	$167.79B	$177.27B / $159.20B	$16.96	$21.17 / $11.00	16
FY2028	$180.38B	$193.75B / $163.28B	$30.52	$40.47 / $24.40	9

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$521.27	+26.1%	11
Last Quarter	$477.18	+15.4%	22
Last Year	$347.32	-16.0%	63
All Time	$390.11	-5.6%	126

Rolling mean of published targets vs. last close $413.33. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

B

DCF

4/5

ROE

3/5

ROA

4/5

Debt/Eq

1/5

P/E

1/5

P/B

3/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

HUM +54.6% vs S&P 500 +15.9% — spread +38.8pp

Sector — XLV +24.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$399.02	+14.31	+3.59%	Above
SMA 50	$393.92	+19.41	+4.93%	Above
SMA 200	$300.98	+112.35	+37.33%	Above
EMA 9	$416.11	-2.78	-0.67%	Below
EMA 21	$405.79	+7.54	+1.86%	Above
EMA 50	$393.84	+19.49	+4.95%	Above
EMA 200	$332.38	+80.95	+24.35%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBULLISHPower Score +5517 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%100

Momentum 25%70

Volume 20%62

Volatility 10%100

Patterns 15%50

This Week82% bullishof 11 price-based votes

4 Weeks Ago45%+37 pts since

12 Weeks Ago55%+27 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$399.02

Price vs SMA 50$393.92

Price vs SMA 200$300.98

EMA 9/21 Cross416.1/405.8

SMA 50/200Golden

ADX DirectionADX 23

Supertrend$381

Parabolic SAR$384

SMA Slope1.360

RSI54.3

Stochastic K/D60/63

StochRSI K/D69/76

Williams %R-54

CCI72

TSI vs Signal16.8

CMO8.7

ROC6.43%

OBV SignalAccum

Chaikin MF-0.270

MFI47

Force Index10M

Elder Ray Bull26.41

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 63

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$433.12 / $436.79 / $441.39	S1 / S2	$428.52 / $424.85
Bollinger (20,2)	$358.64 – $439.39	Squeeze	Off
52-wk range	$162.28 – $456.50	Off 52-wk high	-9.5%
ATR (14)	$18.37 (4.4%)	Historical vol	55.5%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

-1.2%Jan60%

-1.9%Feb40%

+0.0%Mar52%

+0.8%Apr50%

+3.9%May55%

-0.2%Jun75%

-0.3%Jul55%

+4.1%Aug80%

-1.4%Sep50%

+3.3%Oct60%

+1.4%Nov45%

+0.8%Dec50%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	HUM	S&P 500
Weekly volatility (σ, 1y)	7.52%	1.83%
Best / worst week (1y)	+17.7% / -28.3%	—
Max drawdown (5y, monthly)	-66.8%	—
1-week VaR (95%)	-10.5%	—
Beta (5y)	0.74	1.00

HUM EQUITY WEATHER (LIVE)CLOUDY · +11

Trend+43

Momentum+29

Volume+14

Volatility-60

Breadth-30

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 249 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall+11.0+2.0 vs industry

Trend+43.4+4.4 vs industry

Momentum+28.8-27.2 vs industry

Volume+14.2-10.4 vs industry

Reading	HUM	Medical - Healthcare Plans n=28	Healthcare n=5,272	All US symbols n=70,435
Overall	+11.0	+9.1	-24.0	-20.5
Trend	+43.4	+39.0	-25.6	-21.3
Momentum	+28.8	+56.0	-28.5	-15.8
Volume	+14.2	+24.6	-25.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Celeste M. Mellet Chief Financial Officer	$18.9M	63% equity+incentive
James A. Rechtin President and Chief Executi	$18.8M	90% equity+incentive
Japan A. Mehta Chief Information Officer	$9.6M	49% equity+incentive
Michelle A. O’Hara Chief Human Resources Off	$8.9M	64% equity+incentive
Sanjay K. Shetty, M.D. President, CenterWell	$7.2M	84% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	72
Social	63
Governance	67
Composite ESG	68

Composite ESG Trend

Filed	8-K contents	Items
2026-10-13	Regulation FD; Exhibits	7.01,9.01
2026-10-09	Regulation FD	7.01
2026-09-01	Regulation FD	7.01
2026-07-29	Earnings Release; Regulation FD; Exhibits	2.02,7.01,9.01
2026-07-29	Officer/Director Change; Exhibits	5.02,9.01
2026-06-01	Regulation FD	7.01
2026-05-19	Material Agreement; Financial Obligation; Exhibits	1.01,2.03,9.01
2026-04-29	Earnings Release; Regulation FD; Exhibits	2.02,7.01,9.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-08-05 to 2026-07-29
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	115 rows · 1997 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-05-01 to 2026-09-30
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	4 rows · 2025-02-13 to 2026-04-30
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Humana Inc. (HUM)

Humana Inc. (HUM)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Humana Inc. (HUM)

Institutions holding — 12 quarters

Humana Inc. (HUM)

Monthly Net Insider Flow (000 shares)

Signal Summary

Humana Inc. (HUM)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding HUM — quarterly

Institutional Put/Call — quarterly

Humana Inc. (HUM)

Where HUM Trades in the Dark

Humana Inc. (HUM)

3.8 · Employees (SEC filings)

Humana Inc. (HUM)

Humana Inc. (HUM)

Humana Inc. (HUM)

Balance Sheet — Full

Cash Flow Statement — Full

Humana Inc. (HUM)

Humana Inc. (HUM)

Humana Inc. (HUM)

Humana Inc. (HUM)

Street Price Target — Trajectory

Third-Party Composite Rating

Humana Inc. (HUM)

Humana Inc. (HUM)

Family Scores (site weights)

Humana Inc. (HUM)

Humana Inc. (HUM)

Humana Inc. (HUM)