---
schema_version: "secwatch.filing_event.v1"
accession: "0000049071-26-000045"
form_type: "8-K"
ticker: "HUM"
cik: "0000049071"
company_name: "HUMANA INC"
filed_at: "2026-07-29T10:19:53+00:00"
generated_at: "2026-07-29T10:25:09.584976+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Humana Q2 adjusted EPS $7.61 beats $6.27 YoY; affirms FY adjusted guidance at $9.00

## Summary
- Q2 GAAP EPS $5.73, adjusted EPS $7.61; revenue $40.9B, up 26% YoY.
- Insurance segment benefit ratio 91.2%, in line with guidance; affirms FY benefit ratio ~92.75%.
- Affirms FY adjusted EPS guidance at least $9.00; cuts GAAP EPS guidance to at least $6.52 from at least $8.36.
- Individual MA membership growth ~25% over 2025; CenterWell primary care patients up 27% YTD.
- Awarded Illinois Medicaid contract (go-live Jan 2027); entered $1.5B pre-capitalized trust arrangements.

## SEC filing metadata
- accession: 0000049071-26-000045
- form_type: 8-K
- ticker: HUM
- cik: 0000049071
- company_name: HUMANA INC
- filed_at: 2026-07-29T10:19:53+00:00
- event_type: earnings
- sentiment: neutral
- 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/49071/000004907126000045/0000049071-26-000045-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/49071/000004907126000045/hum-20260729.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000049071-26-000045
- JSON: https://secwatch.observer/filing/0000049071-26-000045.json
- Plain text: https://secwatch.observer/filing/0000049071-26-000045.txt

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