---
schema_version: "secwatch.filing_event.v1"
accession: "0000049071-24-000051"
form_type: "8-K"
ticker: "HUM"
cik: "0000049071"
company_name: "HUMANA INC"
filed_at: "2024-10-30T23:59:59+00:00"
generated_at: "2026-05-30T08:40:18.014604+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Humana Q3 GAAP EPS $3.98, Adjusted $4.16, down YoY; FY guidance at least $16 adjusted

## Summary
- 3Q24 GAAP EPS $3.98 vs $6.71 YoY; adjusted EPS $4.16 vs $7.78.
- FY2024 guidance: GAAP EPS at least $12.89, adjusted at least $16.00.
- Raises 2024 individual Medicare Advantage membership growth to ~265,000 (+5%).
- Benefit expense ratio 89.9% vs 86.6% YoY due to elevated medical cost trends.
- Insurance segment income from operations $274M vs $722M YoY.

## SEC filing metadata
- accession: 0000049071-24-000051
- form_type: 8-K
- ticker: HUM
- cik: 0000049071
- company_name: HUMANA INC
- filed_at: 2024-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/49071/000004907124000051/0000049071-24-000051-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49071/000004907124000051/hum-20241030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049071-24-000051
- JSON: https://secwatch.observer/filing/0000049071-24-000051.json
- Plain text: https://secwatch.observer/filing/0000049071-24-000051.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.