Humana Inc.
Humana Inc. is classed by the SEC under Hospital & Medical Service Plans (industry code 6324), based in Louisville, KY. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $130 billion and a profit of $1.2 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6324, Hospital & Medical Service Plans); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 3.8 out of ten, 9 of 9 metrics filed: past 3.8 out of ten, present 4.5 out of ten, future 3.0 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 1.5 out of ten. 1 warning event since 2017; the latest 2017-11-29. 15th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 4.1 out of ten. +10.1% a year over 10 filed years; profitable in 10 of 10. 41st percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 5.3 out of ten. Share count shrank 1.7% a year. 49% of cash flow returned. Insiders: 0 sales, 1 purchases. 53rd percentile among 9 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.2 out of ten. ROE 7%: 7¢ of profit per shareholder dollar. Leverage 64%: owes 64¢ per asset dollar. 52nd percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 4.5 out of ten. bottom 45% of 10 in its family; net margin 0.9%. 45th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 2.9 out of ten. bottom 29% of 10 in its family for leadership; chief executive since 2024. 29th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 2.0 out of ten. bottom 20% of 10 in its family for room to expand. 20th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 3.5 out of ten. bottom 35% of 10 in its family for growth drivers. 35th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.5 out of ten. bottom 35% of 10 in its family for expectations against reality. 35th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-19 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-29 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-29 (on EDGAR). Newest filing: Form 8-K, 2026-10-09. Filings on record since 1994. Read from EDGAR 2026-10-12.
Who runs it
Rechtin, James A. (President & CEO); Dintenfass, David (President, Enterprise Growth); Martin, Aaron (President, Medicare Advantage); Shetty, Sanjay K (President, CenterWell); Renaudin, George II (President, Insurance); Mellet, Celeste (Chief Financial Officer); Nundy, Shantanu (Chief Medical Officer); Mehta, Japan (Chief Information Officer); O'Hara, Michelle A. (Chief Human Resources Officer); Ventura, Joseph C (Chief Legal Officer); and 14 more. 24 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-02.
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