Does HUM pay a dividend and is it safe?

Humana Inc. (HUM) offers a 0.86% cash dividend yield ($3.53 annualized) and 1.46% total shareholder yield including buybacks. Roarable rates its payout coverage as SAFE COVERAGE.

Stock Ratings / Health Care / HUM / dividends

NTRA (68) ILMN (70) CNC (63) CI (53) ⌘ Pro Terminal →

Humana Inc. (HUM) Dividend Safety Gauge & 10-Year DRIP Compounder

$410.41 -0.99% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $408.90

Humana Inc. (HUM) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $49.77B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HUM Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HUM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Humana Inc. (NYSE: HUM) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $410.41 (-0.99% 1D, market cap $49.77B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 18/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 1015 tracked Health Care issuers, HUM ranks #124 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HUM compare to NTRA and ILMN in the Health Care sector?

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Within the Health Care sector (Medical Specialities), HUM carries a Roarable C (64/100 RQD), trailing P/E of 42.2x, gross margin of —, and ROIC of 8.3%. By comparison, NTRA (Natera Inc.) holds a C+ grade (68/100 RQD, P/E N/A, ROIC -4.9%, cap $59.72B) and ILMN (Illumina Inc.) posts a B- grade (70/100 RQD, P/E 51.5x, ROIC 18.2%, cap $35.63B). Among the 5-stock peer group, CI leads on earnings multiple (13.2x) while ILMN leads on capital efficiency (18.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HUM?

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Per HUM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000049071), Humana Inc. generated $129.66B in revenue (+10.1% YoY), $1.19B in net income, and $375.0M in free cash flow against $48.91B in total assets and $12.37B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $408.89 (-0.37%)🧬 Disciplined Float (+0.80% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 0.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HUM)Realized 20D OHLCV Swing Band: ±6.9%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY HUM SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+18/20 pts (28% of score)

Altman Z-Score 5.03 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Whale & Options Positioning+16/20 pts (25% of score)

20D Institutional Volume Accumulation (±6.9% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (+0.80% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$427.40-0.5% Next Q

Q2 (-2Q)

Grade B-$425.42-3.2% Next Q

Q3 (-1Q)

Grade B-$411.87-0.4% Next Q

Current

Grade C$410.41+1.1% Hist 90D α

Trajectory: B (72) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HUM Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, HUM faces multiple-compression risk if 42.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Priced at 42x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($402.92) or 200D SMA ($310.46) invalidates the momentum regime and cuts Target Base ($421.49) toward Bear Floor ($328.76).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HUM• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “HUM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.46% Total Yield

0.86% Cash ($3.53/yr) + 0.6% Buybacks

PAYOUT SAFETY SPEEDOMETER

68/100 • SAFE COVERAGE

FREE CASH FLOW PAYOUT RATIO

69.9% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,672

Est. Year-10 Shareholder Yield: $287/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.3K

Yr 3

$13.1K

Yr 4

$14.0K

Yr 5

$15.0K

Yr 6

$16.1K

Yr 7

$17.2K

Yr 8

$18.4K

Yr 9

$19.7K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in HUM & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on HUM and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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HUM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +72.47%▲ ASCENDING CHANNEL

2026-11-03O $417.6H $417.6L $410.4C $410.4VOL 888.0K

RES: $464.8SUP: $385.2SMA50: $402.9SMA200: $310.5

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HUM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HUM Butterfly Map → + Track HUM →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

31.8%/yr Implied 5Y Growth

vs. +10.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on HUM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HUM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HUM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HUM)

Health Care Rank #124 of 1015 ⚔️ NTRA vs HUM Full Matrix →

1. Head-to-Head Health Care Peer Comparison (HUM vs. NTRA, ILMN, CNC, CI)

Industry: Medical Specialities (41 Tracked Issuers)

Across 1015 tracked Health Care securities in the Roarable RQD universe, Humana Inc. (HUM) ranks #124 by composite RQD confidence (64/100, grade C) and #37 by equity capitalization ($49.77B). Within this direct 5-issuer industry benchmark cohort, CI leads on earnings valuation at 13.2x trailing P/E, while ILMN leads on capital efficiency and profitability with 18.2% ROIC and 66.1% gross margin. ILMN currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with HUM at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HUM ACTIVE Humana Inc.	C	64/100	42.2x	—	8.3%	-0.99%	$49.77B	Benchmark Subject
NTRA Natera Inc.	C+	68/100	—	—	-4.9%	-8.54%	$59.72B	/ntra-vs-hum →
ILMN Illumina Inc.	B-	70/100	51.5x	66.1%	18.2%	-3.99%	$35.63B	/ilmn-vs-hum →
CNC Centene Corporation	C	63/100	—	8.1%	-31.0%	-2.80%	$33.89B	/cnc-vs-hum →
CI The Cigna Group	D+	53/100	13.2x	21.8%	8.8%	-1.02%	$78.80B	/ci-vs-hum →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000049071 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Humana Inc. (HUM) reported GAAP revenue of $129.66B (+10.1% vs. FY2024 revenue of $117.76B , and +21.9% cumulative change since FY2023) , GAAP net income of $1.19B, operating cash flow of $921.0M, and free cash flow of $375.0M (-84.3% YoY). On the balance sheet, HUM closed FY2025 with $48.91B in total assets against $12.37B in total debt (Altman Z-Score: 5.03, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$129.66B	$1.19B	$921.0M	$375.0M	$48.91B	$12.37B
FY2024 (FY)	2024-12-31	$117.76B	$1.21B	$2.97B	$2.39B	$46.48B	$11.14B
FY2023 (FY)	2023-12-31	$106.37B	$2.49B	$3.98B	-$805.8M	$127.65B	$29.87B

3. HUM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HUM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does HUM compare to NTRA and ILMN in the Health Care sector?

What are the biggest fundamental strengths and SEC risk factors for HUM?

Where is HUM trading relative to its 50-day, 200-day, and 52-week technical levels?

HUM last traded at $410.41 (-0.99% on volume of 917,994 shares), positioning the stock +1.86% above its 50-day simple moving average ($402.92) and +32.19% above its 200-day simple moving average ($310.46). Across its 52-week range of $163.11 to $456.50, HUM sits at the 84.3% percentile with a 14-day RSI of 51.8 (NEUTRAL RANGE) and an implied next-earnings move of ±6.9% ($382.09 to $438.73).

Direct Sub-Reports: HUM RQD Cockpit HUM 12M Forecast HUM Earnings & Move HUM Dividends & DRIP HUM Insiders & 13F HUM Whale Options HUM Profit Sankey HUM News & Why

ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ SEC XBRL & RQD VERIFIED

HUM — Humana Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Humana Inc. (HUM) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $410.41 (-0.99% 1D, market capitalization $49.77B).

Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 8.3%, gross margin of —, operating margin of 2.1%, and free cash flow yield of 0.75%.
Whale 13F & Options Flow (16/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (12/20) + Forensic Balance Sheet (18/20): Incorporates a 0.88x equity beta, Altman Z-Score of 5.03, Piotroski F-Score of 7/9, and Debt/Equity of 0.70x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Humana Inc. Is a NYSE-listed issuer in the Health Care sector and the Medical Specialities industry,. The company reported FY 2025 revenue of $129.66B. — for detailed business model descriptions.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Humana Inc. (HUM) reported $129.66B in annual revenue (up from $117.76B in FY2024, +10.1% YoY) and $1.19B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($106.37B revenue, $2.49B net income) through FY2025, HUM scaled operating cash flow to $921.0M and free cash flow to $375.0M, backed by $48.91B in total assets against $12.37B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C • RQD 64/100): Big institutional funds and options desks are actively positioning on the bullish side. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $163.11 – $456.50 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 42.2x trailing P/E and 18.4x EV/EBITDA against 2.1% operating margins and a 0.88x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Medical Specialities (Health Care), HUM carries a macro regime beta of 0.88 and gross margin of —.

Key Question #1: Can HUM sustain or expand its 2.1% operating margin and 8.3% ROIC against Medical Specialities peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $129.66B and free cash flow of $375.0M, how will capital allocation balance growth reinvestment against $12.37B in total debt?
Key Question #3: How sensitive is HUM's 39.2x forward P/E multiple to Health Care capital spending cycles and macro interest-rate shifts (Beta 0.88x)?

HUM Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Humana Inc. (HUM) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to HUM Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 21h ago

Humana Inc. (HUM) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Investopedia • 1d ago

Humana Stock Jumps on Raised Medicare Advantage Ratings

Investopedia report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 1d ago

Humana's Star Ratings Progress Doesn't Erase Valuation Concerns

Seeking Alpha report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Quartz • 1d ago

Humana stock rises 15% after Medicare quality ratings jump

Quartz report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Humana (HUM) Stock Trades Up, Here Is Why

Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Premarket movers: Humana rallies; SpaceX deal sends telco stocks down

Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Is Humana (HUM) Stock Priced For Its Stronger Earnings Outlook?

Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Humana (HUM) Will Have 95% of Its Members in Four-Star Plans, Up From 20%. What Changed?

Yahoo Finance report covering Humana Inc. (HUM) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HUM Bull vs. Bear Conversation Board — What's Your Call at $410.41?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HUM 🐻 33% BEARISH CONVICTION

MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $501.54 (+21.0%)

📌 Pinned Debate

Forensic balance sheet scores 18/20 (Altman Z 5.03, Piotroski F 7/9, Debt/Equity 0.7) and debt fell from $29.87B in FY 2023 to $12369

Forensic balance sheet scores 18/20 (Altman Z 5.03, Piotroski F 7/9, Debt/Equity 0.7) and debt fell from $29.87B in FY 2023 to $12.37B in FY 2025.. When you look under the hood at HUM, Fundamental Cash Engine is 9/20 with 0.0% gross margins and 8.3% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (16/20) has been quietly accumulating below $456.50. My 12M target is $501.54.

ArenaChamp_24 🐂 BULL

@MacroHawk_NYC Agree on the RQD 64/100 quality, though with 0.88 beta I'm scaling in with half-size at $414.50 and keeping dry powder in case we test $385.49.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $348.18 (-16.0%)

Spot @ $414.50

Trailing P/E of 42.2 sits against an FCF yield of only 0.75% and net income that fell from $2.49B to $1.19B between FY 2023 and FY

Careful chasing HUM at $414.50. Trailing P/E of 42.2 sits against an FCF yield of only 0.75% and net income that fell from $2.49B to $1.19B between FY 2023 and FY 2025.. Gross margin is 0.0%, but operating margin is 2.1%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $348.18 on multiple compression.