Humana Inc. (HUM) scored on five pillars from its reported financial statements, and ranked against 212 Healthcare companies.
Humana Inc. (HUM) scores 4.8 out of 10 as of , computed from its reported financial statements. That reads as mixed quality. The reading rests on predictability, and growth is what holds it back.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
We cannot judge Humana Inc. yet, because fewer than five years had both a return on capital and a cost of capital we could measure. This is not a “no”.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
On the filings behind it, Humana Inc. earns 4.8 out of 10 for business quality as of October 19, 2026. That is mixed quality on our scale. A mixed reading means the strengths and weaknesses roughly cancel out, and the case for the business depends on which pillars you care about most. The figure is a weighted average of five pillars, each scored from 0 to 10 against sector-aware benchmarks from reported statements.
Among the 212 Healthcare companies with a published score, that ranks at the 56th percentile, in the upper half of the group, short of the top quarter. The median across the group is 4.4, and the top quarter begins at 6.0, so Humana Inc. is in line with the typical company here.
On profitability, Humana Inc. scores 2.8, a weak reading. Its peers have a median of 2.7 across 210 Healthcare companies, which places it in line with them, at the 52nd percentile. A low reading here is the first thing to explain: it is the pillar most closely tied to whether the business creates value at all.
Solvency scores 6.0 out of 10, which reads as average. The median across 150 Healthcare companies is 6.5, so Humana Inc. is below its peers on this pillar and ranks at the 42nd percentile. Middling solvency says the balance sheet is neither a strength nor a constraint today.
Growth scores 2.4 out of 10, which reads as weak. The median across 107 Healthcare companies is 4.9, so Humana Inc. is well below its peers on this pillar and ranks at the 24th percentile. A low growth score is common for large, established companies and is not a verdict on quality on its own, but it limits how the business can compound.
Humana Inc.’s efficiency score is 5.8 out of 10 (average). Against a median of 6.0 among 200 Healthcare companies, that is in line with the group and the 46th percentile. An average efficiency reading suggests the business turns its assets and earnings into cash at roughly the rate its sector does.
Predictability scores 7.7 out of 10, which reads as strong. The median across 207 Healthcare companies is 3.4, so Humana Inc. is well above its peers on this pillar and ranks at the 94th percentile. Steady results like these are what make a long term view of the business easier to hold.
This is a lopsided profile. Predictability scores 7.7 but growth only 2.4, a gap of 5.3 points, so the overall hides a business that is excellent in one respect and weak in another. A predictability lead means consistency is the business’s strongest trait, which makes its other readings easier to trust. A growth shortfall often comes with size or a maturing market, and is less of a concern if the other pillars are strong.
Closing the gap on growth would do the most for the overall. At the median of Healthcare companies, 4.9, Humana Inc. would score about 5.3 instead of 4.8. All five pillars could be scored, so the overall uses the full set of weights out of 100: profitability 25, solvency 20, growth 20, efficiency 15, predictability 20.
These are the Healthcare companies closest to Humana Inc. in market value. Each has its own page scored on the same five pillars, so the comparison is like for like.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading Humana Inc. scores 4.8 out of 10, which reads as mixed quality. Its strongest pillar is predictability, its weakest is growth. Quality is not the same as a good investment: the score says nothing about the price you would pay.
Humana Inc. ranks at the 56th percentile of the 212 Healthcare companies Lemma publishes a score for. The median there is 4.4 and the top quarter starts at 6.0, against Humana Inc.’s 4.8.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 19, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for HUM are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
Free to start · No credit card