HUM · HUMANA INC · Top AI ETF

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Humana Inc. provides medical and specialty insurance products in the United States. It operates in two segments, Insurance and CenterWell. The Insurance segment offers individual Medicare Advantage products, including health insurance benefits, including wellness programs, chronic care management, and care coordination; individual Medicare stand-alone prescription drug products (PDP); group Medicare advantage and Medicare stand-alone PDP; Medicare supplements; specialty and ancillary insurance comprising dental, vision, life and disability; and administrative services to arrange health care services for active-duty and retired military personnel and dependents, as well as pharmacy benefit managers.

Close · 3M

+88.88%

Held by 1 AI ETF

AMOM1.480%

as of Sep 2

Signal performance

Each tracked ETF's moves on this stock, grouped by fund. Returns are measured from the signal date to the latest close — hypothetical, no commissions or slippage.

Buy signals18

Win rate89% (16/18)

Avg buy return+7.56%

AMOMnow 1.480% of fund1 signal

AMOM · New entry · 1d

weight 0 → 1.480% (new)·stock up 10.7% in the 30 days before

Sep 2·entry $400.97·now $406.52Fresh

+1.38%

since Sep 2

AIEQno longer held4 signals

AIEQ · Exit · 1d

weight 0.050% → 0 (exited)·stock up 5.4% in the 30 days before

Sep 1·entry $394.88·now $406.52

+2.95%

since Sep 1

AIEQ · New entry · 1d

weight 0 → 0.050% (new)·stock down 11.1% in the 30 days before

Aug 2·entry $374.50·now $406.52Drifting

+8.55%

since Aug 2

AIEQ · Exit · 1d

weight 0.160% → 0 (exited)·stock up 24.7% in the 30 days before

Jul 1·entry $409.42·now $406.52

-0.71%

since Jul 1

AIEQ · Weight increase · 2d

stock up 42.1% in the 30 days before

Jun 5·entry $350.08·now $406.52Chased

+16.12%

since Jun 5

LQAIno longer held5 signals

LQAI · Exit · 1d

weight 0.100% → 0 (exited)·stock down 7.3% in the 30 days before

Aug 6·entry $367.24·now $406.52

+10.70%

since Aug 6

LQAI · New entry · 1d

weight 0 → 0.100% (new)·stock up 12.8% in the 30 days before

Jul 7·entry $394.62·now $406.52Drifting

+3.02%

since Jul 7

LQAI · Exit · 1d

stock up 32.1% in the 30 days before

Jun 9·entry $363.18·now $406.52

+11.93%

since Jun 9

LQAI · Weight increase · 3d

stock up 42.1% in the 30 days before

Jun 5·entry $350.08·now $406.52Chased

+16.12%

since Jun 5

LQAI · Weight increase · 2d

stock up 46.0% in the 30 days before

Jun 4·entry $349.80·now $406.52Chased

+16.21%

since Jun 4

AIVLno longer held20 signals

AIVL · Exit · 1d

weight 0.274% → 0 (exited)·stock down 11.1% in the 30 days before

Jul 31·entry $363.86·now $406.52

+11.72%

since Jul 31

AIVL · Weight decrease · 5d

weight 0.308% → 0.274% (-0.034 pp)·stock down 6.0% in the 30 days before

Jul 29·entry $365.41·now $406.52

+11.25%

since Jul 29

AIVL · Weight decrease · 4d

weight 0.308% → 0.288% (-0.019 pp)·stock up 1.3% in the 30 days before

Jul 28·entry $388.71·now $406.52

+4.58%

since Jul 28

AIVL · Weight decrease · 3d

weight 0.308% → 0.293% (-0.015 pp)·stock up 7.7% in the 30 days before

Jul 24·entry $389.32·now $406.52

+4.42%

since Jul 24

AIVL · Weight decrease · 2d

weight 0.308% → 0.299% (-0.008 pp)·stock up 9.8% in the 30 days before

Jul 23·entry $394.50·now $406.52

+3.05%

since Jul 23

AIVL · Weight increase · 2d

weight 0.298% → 0.310% (+0.013 pp)·stock up 10.3% in the 30 days before

Jul 14·entry $406.77·now $406.52Fresh

-0.06%

since Jul 14

AIVL · Accumulation · 5d

weight 0.294% → 0.304% (+0.010 pp)·stock up 13.2% in the 30 days before

Jul 8·entry $396.29·now $406.52Drifting

+2.58%

since Jul 8

AIVL · Accumulation · 5d

weight 0.287% → 0.299% (+0.012 pp)·stock up 12.8% in the 30 days before

Jul 7·entry $394.62·now $406.52Drifting

+3.02%

since Jul 7

AIVL · Weight decrease · 2d

weight 0.322% → 0.297% (-0.025 pp)·stock up 19.9% in the 30 days before

Jul 6·entry $392.86·now $406.52

+3.48%

since Jul 6

AIVL · Accumulation · 5d

weight 0.284% → 0.308% (+0.024 pp)·stock up 23.6% in the 30 days before

Jul 2·entry $396.75·now $406.52Drifting

+2.46%

since Jul 2

AIVL · Accumulation · 5d

weight 0.286% → 0.322% (+0.036 pp)·stock up 24.7% in the 30 days before

Jul 1·entry $409.42·now $406.52Fresh

-0.71%

since Jul 1

AIVL · Weight increase · 3d

weight 0.287% → 0.310% (+0.023 pp)·stock up 30.1% in the 30 days before

Jun 30·entry $397.22·now $406.52Drifting

+2.34%

since Jun 30

AIVL · Weight increase · 2d

weight 0.287% → 0.300% (+0.013 pp)·stock up 25.3% in the 30 days before

Jun 26·entry $383.84·now $406.52Drifting

+5.91%

since Jun 26

AIVL · Weight decrease · 3d

weight 0.302% → 0.284% (-0.018 pp)·stock up 18.6% in the 30 days before

Jun 22·entry $360.72·now $406.52

+12.70%

since Jun 22

AIVL · Weight decrease · 2d

stock up 16.1% in the 30 days before

Jun 18·entry $360.65·now $406.52

+12.72%

since Jun 18

AIVL · Accumulation · 5d

stock up 21.1% in the 30 days before

Jun 16·entry $369.49·now $406.52Chased

+10.02%

since Jun 16

AIVL · Accumulation · 5d

stock up 24.4% in the 30 days before

Jun 12·entry $379.22·now $406.52Drifting

+7.20%

since Jun 12

AIVL · Weight increase · 4d

stock up 32.9% in the 30 days before

Jun 10·entry $364.46·now $406.52Chased

+11.54%

since Jun 10

AIVL · Weight increase · 3d

stock up 44.1% in the 30 days before

Jun 8·entry $355.98·now $406.52Chased

+14.20%

since Jun 8

AIVL · Weight increase · 2d

stock up 42.1% in the 30 days before

Jun 5·entry $350.08·now $406.52Chased

+16.12%

since Jun 5

Sell signals show what the stock did after the AI exited. A negative number means the AI's exit was well-timed.

Buffett-style framework

Fails the frameworkas of May 31

AIEQ recently initiated a position in Humana, and LQAI showed periods of gradual accumulation before a slight decrease, indicating some AI models perceive value in the company. This activity contrasts with the framework's 'Fail' verdict, which is primarily driven by concerns over Humana's low return on equity and the absence of a clear margin of safety at its current valuation.

Circle of CompetenceThe health insurance industry, with its actuarial basis and stable demand for healthcare services, allows for reasonable projection of unit economics and cash flows over a ten-year period.
Economic MoatHumana benefits from scale-driven cost advantages, switching costs for members and employers, and regulatory barriers to entry, which together form a durable economic moat.
ManagementAssessment of management's candor, capital allocation discipline, and skin in the game is not possible with the provided financial data.
Financial HealthThe company's most recent ROE of 6.19% falls significantly below the required threshold of a 10-year average of at least 15% with no single year below 10%.
Margin of SafetyThe current PER of 32.45 and EV/EBITDA of 35.94 for a company with a low ROE of 6.19% do not present a defensible margin of safety relative to intrinsic value.

Humana qualifies within the circle of competence and appears to possess a durable economic moat. However, the company fails on financial health due to a low return on equity, and its current valuation metrics do not offer a sufficient margin of safety. This suggests a disconnect between the company's operational strength and its current financial performance and market pricing relative to the framework's strict criteria.

Educational interpretation generated by AI applying frameworks Warren Buffett documented in his shareholder letters and other public writings. Not a statement by Mr. Buffett or Berkshire Hathaway, and not investment advice.