Humana Inc. HUM NYSE

Humana Inc. (HUM) has shown strong revenue growth over the past 3 years, expanding from $92.9B to $129.7B (average +11.8%/yr). Net income reached $1.2B, reflecting earnings decline at -21.5%/yr on average. The net profit margin is 0.9%, which is thin. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 14.5% (low), with a -85.5pp trend over the period. With a $24B market cap and MOAT composite score of 45/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (48/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 36-year history, the company was profitable in 35 of 36 years — an excellent long-term track record
• INCOME (30/100, Partial) — the company is profitable but margin is below 15%
• MOAT (45/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 53/100 with 2/7 criteria passed.