Humana Inc. — Earnings Quality Grade F
HUM · Healthcare
Major red flags
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 9 days, change +1 days YoY
AR outpaced revenue for 2 consecutive years
Revenue grew 10.1% but CFFO declined -68.9%
Expense Quality
No material inventory
CapEx growth -5.0% vs revenue 10.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.78. Below 1.0
FCF $0.4B, FCF/NI = 0.32
Accruals ratio = 0.5%. Low accruals
Cash $19.9B covers debt $12.4B
Balance Sheet Health
Goodwill+Intangibles $10.8B = 61% of equity. Over 50%
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -2% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25