MEDIUM confidence: 100% data completeness, but the composite (51) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
AI classification of policy/regulatory sensitivity from the company's sector, industry, and business description. Exposure/sensitivity only — not a political opinion, a prediction of government action, or investment advice. As of 2026-07-10.
Dated events from the market calendar; the “also watch” items are AI-generated observations from QScoring data. Informational only — not investment advice, and dates can change.
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $83.6B— | $92.9B+11.1% | $106.4B+14.5% | $117.8B+10.7% | $129.7B+10.1% |
| EPS (dil.) | $22.67— | $22.08-2.6% | $20.00-9.4% | $9.98-50.1% | $9.84-1.4% |
| Free Cash Flow | $920M— | $3.5B+275.0% | $3.0B-13.7% | $2.4B-19.7% | $375M-84.3% |
| Gross Margin | 17.3% | 18.5%+1.3pp | 17.0%-1.6pp | 14.6%-2.4pp | 14.5%-0.0pp |
| Operating Margin | 4.1% | 3.8%-0.3pp | 3.1%-0.7pp | 1.4%-1.7pp | 1.1%-0.3pp |
| Net Margin | 3.5% | 3.0%-0.5pp | 2.3%-0.7pp | 1.0%-1.3pp | 0.9%-0.1pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
Avg target $387 (last qtr, 24 analysts) → $430 (last mo, 11) (+11.1%).
Buy-rated share 32% → 46% over ~3 months (+14pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jul 2026 | $7.27 | $7.61 | +4.7% |
| Apr 2026 | $10.24 | $10.31 | +0.7% |
| Feb 2026 | $-4.00 | $-3.96 | +1.0% |
| Nov 2025 | $2.93 | $3.24 | +10.6% |
| Jul 2025 | $5.92 | $6.27 | +5.9% |
| Apr 2025 | $10.07 | $11.58 | +15.0% |
| Feb 2025 | $-2.23 | $-2.16 | +3.1% |
| Oct 2024 | $3.40 | $4.16 | +22.4% |
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
Net insider $150K over 180 days (1 open-market buys, 0 sells). Insider buying is the informative signal; routine selling is normal.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
Working the DCF backward: holding the assumptions below, this is the free-cash-flow growth today's price implies over the next 10 years. It is a read on the price's embedded expectations — not a fair-value or target price.
The price implies FCF growth above the analyst consensus of 6.1%/yr (revenue basis).
Base free cash flow $1.9B (avg FY2023–FY2025; latest year $375M) · equity value $46.4B · levered FCF discounted at the cost of equity. Reverse DCF is illustrative, not advice.
The QScore of 51 for Humana Inc. suggests a neutral outlook, with the stock's value and momentum factors offset by weaker growth and profitability metrics. The stock trades at a premium, with a P/E of 36.3, but exhibits strong momentum, having returned +40.6% over the past year. The long-term and short-term scores are relatively aligned, with only a slight divergence. Humana's risk profile scores relatively high, driven by a low beta of 0.7 and moderate volatility.