- Reports 4Q23 loss per share of $4.42 on a GAAP basis, Adjusted
loss per share of $0.11; reports FY 2023 earnings per share (EPS)
of $20.00 on a GAAP basis, $26.09 on an Adjusted basis
- 4Q23 results reflect additional increase in Medicare Advantage
medical cost trends, driven by higher than anticipated inpatient
utilization, primarily for the months of November and December, and
a further increase in non-inpatient trends
- Announces initial FY 2024 EPS guidance of 'approximately
$14.87' on a GAAP basis, 'approximately $16.00' on an Adjusted
basis; assumes the higher Medicare Advantage medical costs
experienced in 4Q23 persist throughout 2024
- Affirms 2024 individual Medicare Advantage annual membership
growth of approximately 100,000 or 1.8 percent
- Publishes prepared management remarks to Investor Relations
page of www.humana.com ahead of this morning's 9:00 a.m. ET
question and answer session to discuss its financial results for
the quarter and expectations for future earnings
Humana Inc. (NYSE: HUM) today reported consolidated pretax
results and net earnings (loss) per share (EPS) for the quarter
ended December 31, 2023 (4Q23) versus the quarter ended December
31, 2022 (4Q22) and for the year ended December 31, 2023 (FY 2023)
versus the year ended December 31, 2022 (FY 2022) as noted in the
tables below.
Consolidated (loss) income before
income taxes and equity in net earnings (pretax results) In
millions
4Q23 (a)
4Q22 (a)
FY 2023 (a)
FY 2022 (a)
Generally Accepted Accounting
Principles (GAAP)
($591
)
($71
)
$3,383
$3,568
Amortization associated with identifiable
intangibles
15
20
67
81
Put/call valuation adjustments associated
with company's non-consolidating minority interest investments
179
84
320
68
Transaction and integration costs
—
35
(48
)
105
Change in fair market value of
publicly-traded equity securities
—
4
(1
)
123
Impact of exit of employer group
commercial medical products business
1
59
16
107
Accrued charge related to certain
anticipated litigation expenses
—
—
105
—
Value creation initiatives
384
188
436
473
Impairment charges
91
—
91
—
Adjustment (gain) on sale of Gentiva
(formerly Kindred) Hospice
—
3
—
(237
)
Adjusted (non-GAAP)
$79
$322
$4,369
$4,288
Net (loss) earnings per share
(EPS)
4Q23 (a)
4Q22 (a)
FY 2023 (a)
FY 2022 (a)
GAAP
($4.42
)
($0.12
)
$20.00
$22.08
Amortization associated with identifiable
intangibles
0.13
0.16
0.54
0.64
Put/call valuation adjustments associated
with company's non-consolidating minority interest investments
1.46
0.66
2.57
0.53
Transaction and integration costs
—
0.28
(0.38
)
0.83
Change in fair market value of
publicly-traded equity securities
—
0.03
(0.01
)
0.97
Impact of exit of employer group
commercial medical products business
0.01
0.46
0.13
0.84
Accrued charge related to certain
anticipated litigation expenses
—
—
0.84
—
Value creation initiatives
3.13
1.49
3.50
3.72
Impairment charges
0.74
—
0.73
—
Adjustment (gain) on the sale of Gentiva
(formerly Kindred) Hospice
—
0.03
—
(1.86
)
Cumulative net tax impact of non-GAAP
adjustments
(1.16
)
(1.02
)
(1.83
)
(1.87
)
Adjusted (non-GAAP)
($0.11
)
$1.97
$26.09
$25.88
For comparative purposes, the
4Q22 and FY 2022 reconciliations noted in the preceding tables have
been recast to exclude the impact of the employer group commercial
medical products business due the exit from the business as
announced by Humana on February 23, 2023. Refer to the "Footnotes"
section included herein for further explanation on disclosures for
Adjusted (non-GAAP) financial measures, as well as additional
reconciliations.
Please refer to the tables above, as well as the consolidated
and segment highlight sections in the detailed earnings release for
additional discussion of the factors impacting the
year-over-comparisons.
In addition, a summary of key consolidated and segment
statistics comparing 4Q23 to 4Q22 and FY 2023 to FY 2022
follows.
Adjusted (non-GAAP) 4Q22 and FY 2022 metrics, where applicable,
have been recast to exclude the impact of the employer group
commercial medical products business as a result of the exit from
the business announced by Humana on February 23, 2023.
Humana Inc. Summary of Results ($
in millions, except per share amounts)
4Q23 (a)
4Q22 (a)
FY 2023 (a)
FY 2022 (a)
CONSOLIDATED
Revenues
$26,462
$22,439
$106,374
$92,870
Revenues - Adjusted (non-GAAP)
$25,734
$21,303
$102,645
$88,304
Pretax results
($591)
($71)
$3,383
$3,568
Pretax results - Adjusted (non-GAAP)
$79
$322
$4,369
$4,288
(Net loss per share) EPS
($4.42)
($0.12)
$20.00
$22.08
(Net loss per share) EPS - Adjusted
(non-GAAP)
($0.11)
$1.97
$26.09
$25.88
Benefits expense ratio
90.7%
87.3%
87.3%
86.3%
Benefits expense ratio - Adjusted
(non-GAAP)
90.5%
87.1%
87.2%
86.2%
Operating cost ratio
14.6%
15.9%
12.5%
13.7%
Operating cost ratio - Adjusted
(non-GAAP)
12.9%
14.7%
11.7%
12.8%
Operating cash flows
$3,981
$4,587
Parent company cash and short term
investments
$510
$934
Debt-to-total capitalization
41.8%
42.0%
Days in Claims Payable (DCP)
41.4
45.9
INSURANCE SEGMENT
Revenues
$25,565
$21,599
$102,854
$88,841
Revenues - Adjusted (non-GAAP)
$24,801
$20,459
$99,090
$84,152
Benefits expense ratio
91.5%
87.5%
88.0%
86.6%
Benefits expense ratio - Adjusted
(non-GAAP)
91.4%
87.4%
88.0%
86.5%
Operating cost ratio
11.1%
12.8%
10.2%
10.4%
Operating cost ratio - Adjusted
(non-GAAP)
10.9%
12.5%
9.8%
10.0%
(Loss) income from operations
($426)
$46
$2,654
$3,022
(Loss) income from operations - Adjusted
(non-GAAP)
($361)
$112
$2,897
$3,159
CENTERWELL SEGMENT
Revenues
$4,710
$4,141
$18,405
$17,307
Operating cost ratio
90.6%
92.6%
91.2%
91.5%
Income from operations
$387
$263
$1,404
$1,291
Income from operations - Adjusted
(non-GAAP) (b)
$445
$308
$1,614
$1,472
Refer to the "Footnotes" section
included herein for further explanation on disclosures for Adjusted
(non-GAAP) financial measures, as well as reconciliations.
Initial 2024 Earnings
Guidance
Humana provided its initial GAAP and Adjusted EPS guidance for
the year ending December 31, 2024 (FY 2024) as detailed below. GAAP
and Adjusted EPS results for FY 2023 are also shown for
comparison.
Diluted earnings per common
share
FY 2024 Guidance
(c)
FY 2023 (a)
GAAP
approximately $14.87
$20.00
Amortization of identifiable
intangibles
0.49
0.54
Put/call valuation adjustments associated
with company's non-consolidating minority interest investments
—
2.57
Transaction and integration costs
—
(0.38
)
Change in fair market value of
publicly-traded equity securities
—
(0.01
)
Impact of exit of employer group
commercial medical products business
0.97
0.13
Accrued charge related to certain
anticipated litigation expenses
—
0.84
Value creation initiatives
—
3.50
Impairment charges
—
0.73
Cumulative net tax impact of non-GAAP
adjustments
(0.33
)
(1.83
)
Adjusted (non-GAAP) – FY 2024
projected; FY 2023 reported
approximately $16.00
$26.09
Refer to the "Footnotes" section included
herein for further explanation on disclosures for Adjusted
(non-GAAP) financial measures, as well as additional
reconciliations.
Detailed Press Release
Humana’s full earnings press release, including the statistical
pages, has been posted to the company’s Investor Relations site and
may be accessed at https://humana.gcs-web.com/ or via a current
report on Form 8-K filed by the company with the Securities and
Exchange Commission this morning (available at www.sec.gov or on
the company’s website).
Conference Call
Humana will host a live question and answer session for analysts
at 9:00 a.m. Eastern time today to discuss its financial results
for the quarter and the company’s expectations for future earnings.
In advance of the question and answer session, Humana will post
prepared management remarks to the Quarterly Results section of its
Investor Relations page
(https://humana.gcs-web.com/financial-information/quarterly-results).
To participate via phone, please register in advance at this
link -
https://register.vevent.com/register/BI4ed0098679fd435e8af0ab344fa47655
.
Upon registration, telephone participants will receive a
confirmation email detailing how to join the conference call,
including the dial-in number and a unique registrant ID that can be
used to access the call.
A webcast of the 4Q23 earnings call may also be accessed via
Humana’s Investor Relations page at humana.com. The company
suggests participants for both the conference call and those
listening via the web dial in or sign on at least 15 minutes in
advance of the call.
For those unable to participate in the live event, the archive
will be available in the Historical Webcasts and Presentations
section of the Investor Relations page
(https://humana.gcs-web.com/events-and-presentations),
approximately two hours following the live webcast.
Footnotes
The company has included financial measures throughout this
earnings release that are not in accordance with GAAP. Management
believes that these measures, when presented in conjunction with
the corresponding GAAP measures, provide a comprehensive
perspective to more accurately compare and analyze the company’s
core operating performance over time. Consequently, management uses
these non-GAAP (Adjusted) financial measures as consistent and
uniform indicators of the company’s core business operations from
period to period, as well as for planning and decision-making
purposes and in determination of incentive compensation. Non-GAAP
(Adjusted) financial measures should be considered in addition to,
but not as a substitute for, or superior to, financial measures
prepared in accordance with GAAP. All financial measures in this
earnings release are in accordance with GAAP unless otherwise
indicated. Please refer to the footnotes for a detailed description
of each item adjusted out of GAAP financial measures to arrive at
non-GAAP (Adjusted) financial measures.
(a) For the periods covered in this earnings press release, the
following items are excluded from the non-GAAP financial measures
described above, as applicable:
- Amortization associated with identifiable intangibles -
Since amortization varies based on the size and timing of
acquisition activity, management believes this exclusion provides a
more consistent and uniform indicator of performance from period to
period. For all periods shown within this earnings release, GAAP
measures affected include consolidated pretax results, EPS, and
Insurance and CenterWell segments income from operations. The table
below discloses respective period amortization expense for each
segment.
4Q23
4Q22
FY 2023
FY 2022
Insurance segment
$4
$7
$22
$30
CenterWell segment
$11
$13
$45
$51
- Put/call valuation adjustments associated with company’s
non-consolidating minority interest investments - These amounts
are the result of fair value measurements associated with the
company's Primary Care Organization strategic partnership and are
unrelated to the company's core business operations. For all
periods shown within this earnings release, GAAP measures affected
include consolidated pretax results and EPS.
- Transaction and integration costs - The transaction and
integration costs primarily relate to the acquisition of Kindred at
Home in 2021 and the subsequent divestiture of Gentiva (formerly
Kindred) Hospice in 2022. For 4Q22, FY 2022, and FY 2023, GAAP
measures affected include consolidated pretax results, EPS, and the
consolidated operating cost ratio.
- Change in fair value of publicly-traded equity securities
- These gains and losses are a result of market and economic
conditions that are unrelated to the company's core business
operations. For 4Q22, FY 2022, and FY 2023, GAAP measures affected
include consolidated pretax results, EPS, and consolidated revenues
(specifically investment income).
- Impact of exit of employer group commercial medical products
business - Prior period segment financial information has been
recast to exclude the impact of the exit of the employer group
commercial medical products business as announced by Humana on
February 23, 2023. For all periods shown within this earnings
release, GAAP measures affected include consolidated pretax
results, EPS, consolidated revenues, consolidated benefit expense
ratio, consolidated operating cost ratio, Insurance segment
revenues, Insurance segment benefit expense ratio, Insurance
segment operating cost ratio, and Insurance segment income from
operations.
- Accrued charge related to certain anticipated litigation
expenses - This charge relates to certain anticipated expenses
the company has accrued in connection with a legal matter. For FY
2023, GAAP measures affected include consolidated pretax
results, EPS, the consolidated and Insurance segment operating cost
ratios, and Insurance segment income from operations.
- Value creation initiatives - These charges relate to the
company's ongoing initiative to drive additional value for the
enterprise through cost saving, productivity initiatives, and value
creation from previous investments, and primarily consist of asset
impairment and severance charges. For all periods shown in this
earnings release, GAAP measures affected in this release include
consolidated pretax results, EPS, and the consolidated operating
cost ratio.
- Impairment charges - The company recognized non-cash
impairment charges in 4Q23 related to (1) certain indefinite-lived
intangible assets based on the company's estimate of future
financial performance in certain state markets and (2) investments
in certain joint ventures for which the company held minority
ownership interests that were deemed to be unrecoverable based on
recent market activity. These charges were recorded at the
corporate level and not allocated to the segments. For 4Q23 and FY
2023, GAAP measures affected include consolidated pretax results,
EPS, consolidated revenues (specifically investment income related
to the joint venture investments), and the consolidated operating
cost ratio.
- Adjustment (gain) on sale of Gentiva (formerly Kindred)
Hospice - Reflects the adjustment (gain) related to the sale of
the company's 60 percent ownership of Gentiva (formerly Kindred)
Hospice. For 4Q22 and FY 2022, GAAP measures affected include
consolidated pretax results and EPS.
- Cumulative net tax impact of non-GAAP adjustments - This
adjustment represents the cumulative net impact of the
corresponding tax benefit or expense related to the aforementioned
items excluded from the applicable GAAP measures. For all periods
presented in this earnings release, EPS is the sole GAAP measure
affected.
In addition to the reconciliations shown on page 2 of this
release, the following are reconciliations of GAAP to Adjusted
(non-GAAP) measures described above and disclosed within this
earnings release:
Revenues
Revenues - CONSOLIDATED
(in millions)
4Q23
4Q22
FY 2023
FY 2022
GAAP
$26,462
$22,439
$106,374
$92,870
Change in fair market value of
publicly-traded equity securities
—
4
(1
)
123
Impact of exit of employer group
commercial medical products business
(764
)
(1,140
)
(3,764
)
(4,689
)
Impairment charges
36
—
36
—
Adjusted (non-GAAP)
$25,734
$21,303
$102,645
$88,304
Revenues - INSURANCE SEGMENT
(in millions)
4Q23
4Q22
FY 2023
FY 2022
GAAP
$25,565
$21,599
$102,854
$88,841
Impact of exit of employer group
commercial medical products business
(764
)
(1,140
)
(3,764
)
(4,689
)
Adjusted (non-GAAP)
$24,801
$20,459
$99,090
$84,152
Benefit Expense Ratio
Benefit expense ratio -
CONSOLIDATED
4Q23
4Q22
FY 2023
FY 2022
GAAP
90.7
%
87.3
%
87.3
%
86.3
%
Impact of exit of employer group
commercial medical products business
(0.2
)%
(0.2
)%
(0.1
)%
(0.1
)%
Adjusted (non-GAAP)
90.5
%
87.1
%
87.2
%
86.2
%
Benefit expense ratio - INSURANCE
SEGMENT
4Q23
4Q22
FY 2023
FY 2022
GAAP
91.5
%
87.5
%
88.0
%
86.6
%
Impact of exit of employer group
commercial medical products business
(0.1
)%
(0.1
)%
—
%
(0.1
)%
Adjusted (non-GAAP)
91.4
%
87.4
%
88.0
%
86.5
%
Operating Cost Ratio
Operating cost ratio -
CONSOLIDATED
4Q23
4Q22
FY 2023
FY 2022
GAAP
14.6
%
15.9
%
12.5
%
13.7
%
Transaction and integration costs
—
%
(0.2
)%
—
%
(0.1
)%
Impact of exit of employer group
commercial medical products business
—
%
(0.2
)%
(0.2
)%
(0.3
)%
Accrued charge related to certain
anticipated litigation expenses
—
%
—
%
(0.1
)%
—
%
Value creation initiatives
(1.5
)%
(0.8
)%
(0.4
)%
(0.5
)%
Impairment charges
(0.2
)%
—
%
(0.1
)%
—
%
Adjusted (non-GAAP)
12.9
%
14.7
%
11.7
%
12.8
%
Operating cost ratio - INSURANCE
SEGMENT
4Q23
4Q22
FY 2023
FY 2022
GAAP
11.1
%
12.8
%
10.2
%
10.4
%
Impact of exit of employer group
commercial medical products business
(0.2
)%
(0.3
)%
(0.3
)%
(0.4
)%
Accrued charge related to certain
anticipated litigation expenses
—
%
—
%
(0.1
)%
—
%
Adjusted (non-GAAP)
10.9
%
12.5
%
9.8
%
10.0
%
Income from Operations
(Loss) income from operations -
INSURANCE SEGMENT
4Q23
4Q22
FY 2023
FY 2022
GAAP
($426
)
$46
$2,654
$3,022
Amortization associated with identifiable
intangibles
4
7
22
30
Impact of exit of employer group
commercial medical products business
61
59
116
107
Accrued charge related to certain
anticipated litigation expenses
—
—
105
—
Adjusted (non-GAAP)
($361
)
$112
$2,897
$3,159
(b) The CenterWell segment Adjusted income from operations
includes an adjustment to add back depreciation and amortization
expense to the segment's GAAP income from operations since such an
adjustment is commonly utilized for valuation purposes within the
healthcare delivery industry. Prior year presentation has been
recast to conform to current year presentation.
Income from operations - CENTERWELL
SEGMENT
(in millions)
4Q23
4Q22
FY 2023
FY 2022
GAAP
$387
$263
$1,404
$1,291
Depreciation and amortization expense
58
45
210
181
Adjusted (non-GAAP)
$445
$308
$1,614
$1,472
(c) FY 2024 projected Adjusted results exclude the future impact
of items that cannot be estimated at this time.
Cautionary Statement
This news release includes forward-looking statements regarding
Humana within the meaning of the Private Securities Litigation
Reform Act of 1995. When used in investor presentations, press
releases, Securities and Exchange Commission (SEC) filings, and in
oral statements made by or with the approval of one of Humana’s
executive officers, the words or phrases like “expects,”
“believes,” “anticipates,” “intends,” “likely will result,”
“estimates,” “projects” or variations of such words and similar
expressions are intended to identify such forward-looking
statements.
These forward-looking statements are not guarantees of future
performance and are subject to risks, uncertainties, and
assumptions, including, among other things, information set forth
in the “Risk Factors” section of the company’s SEC filings, a
summary of which includes but is not limited to the following:
- If Humana does not design and price its products properly and
competitively, if the premiums Humana receives are insufficient to
cover the cost of healthcare services delivered to its members, if
the company is unable to implement clinical initiatives to provide
a better healthcare experience for its members, lower costs and
appropriately document the risk profile of its members, or if its
estimates of benefits expense are inadequate, Humana’s
profitability could be materially adversely affected. Humana
estimates the costs of its benefit expense payments, and designs
and prices its products accordingly, using actuarial methods and
assumptions based upon, among other relevant factors, claim payment
patterns, medical cost inflation, and historical developments such
as claim inventory levels and claim receipt patterns. The company
continually reviews estimates of future payments relating to
benefit expenses for services incurred in the current and prior
periods and makes necessary adjustments to its reserves, including
premium deficiency reserves, where appropriate. These estimates
involve extensive judgment, and have considerable inherent
variability because they are extremely sensitive to changes in
claim payment patterns and medical cost trends. Accordingly,
Humana's reserves may be insufficient.
- If Humana fails to effectively implement its operational and
strategic initiatives, including its Medicare initiatives, which
are of particular importance given the concentration of the
company's revenues in these products, state-based contract
strategy, the growth of its CenterWell business, and its integrated
care delivery model, the company’s business may be materially
adversely affected. In addition, there can be no assurances that
the company will be successful in maintaining or improving its Star
ratings in future years.
- If Humana fails to properly maintain the integrity of its data,
to strategically maintain existing or implement new information
systems, to protect Humana’s proprietary rights to its systems, or
to defend against cyber-security attacks or prevent other privacy
or data security incidents that result in security breaches that
disrupt the company's operations or in the unintentional
dissemination of sensitive personal information or proprietary or
confidential information, the company’s business may be materially
adversely affected.
- Humana is involved in various legal actions, or disputes that
could lead to legal actions (such as, among other things, provider
contract disputes and qui tam litigation brought by individuals on
behalf of the government), governmental and internal
investigations, and routine internal review of business processes
any of which, if resolved unfavorably to the company, could result
in substantial monetary damages or changes in its business
practices. Increased litigation and negative publicity could also
increase the company’s cost of doing business.
- As a government contractor, Humana is exposed to risks that may
materially adversely affect its business or its willingness or
ability to participate in government healthcare programs including,
among other things, loss of material government contracts;
governmental audits and investigations; potential inadequacy of
government determined payment rates; potential restrictions on
profitability, including by comparison of profitability of the
company’s Medicare Advantage business to non-Medicare Advantage
business; or other changes in the governmental programs in which
Humana participates. Changes to the risk-adjustment model utilized
by CMS to adjust premiums paid to Medicare Advantage plans or
retrospective recovery by CMS of previously paid premiums as a
result of the final rule related to the risk adjustment data
validation audit methodology published by CMS on January 30, 2023
(Final RADV Rule), which Humana believes fails to address
adequately the statutory requirement of actuarial equivalence and
violates the Administrative Procedure Act due to its failure to
include a "Fee for Service Adjuster" could have a material adverse
effect on the company's operating results, financial position and
cash flows.
- Humana's business activities are subject to substantial
government regulation. New laws or regulations, or legislative,
judicial, or regulatory changes in existing laws or regulations or
their manner of application could increase the company's cost of
doing business and have a material adverse effect on Humana’s
results of operations (including restricting revenue, enrollment
and premium growth in certain products and market segments,
restricting the company’s ability to expand into new markets,
increasing the company’s medical and operating costs by, among
other things, requiring a minimum benefit ratio on insured
products, lowering the company’s Medicare payment rates and
increasing the company’s expenses associated with a non-deductible
health insurance industry fee and other assessments); the company’s
financial position (including the company’s ability to maintain the
value of its goodwill); and the company’s cash flows.
- Humana’s failure to manage acquisitions, divestitures and other
significant transactions successfully may have a material adverse
effect on the company’s results of operations, financial position,
and cash flows.
- If Humana fails to develop and maintain satisfactory
relationships with the providers of care to its members, the
company’s business may be adversely affected.
- Humana faces significant competition in attracting and
retaining talented employees. Further, managing succession for, and
retention of, key executives is critical to the Company’s success,
and its failure to do so could adversely affect the Company’s
businesses, operating results and/or future performance.
- Humana’s pharmacy business is highly competitive and subjects
it to regulations and supply chain risks in addition to those the
company faces with its core health benefits businesses.
- Changes in the prescription drug industry pricing benchmarks
may adversely affect Humana’s financial performance.
- Humana’s ability to obtain funds from certain of its licensed
subsidiaries is restricted by state insurance regulations.
- Downgrades in Humana’s debt ratings, should they occur, may
adversely affect its business, results of operations, and financial
condition.
- The securities and credit markets may experience volatility and
disruption, which may adversely affect Humana’s business.
- The spread of, and response to, the novel coronavirus, or
COVID-19, underscores certain risks Humana faces, including those
discussed above, and the ongoing, heightened uncertainty created by
the pandemic precludes any prediction as to the ultimate adverse
impact to Humana of COVID-19.
In making forward-looking statements, Humana is not undertaking
to address or update them in future filings or communications
regarding its business or results. In light of these risks,
uncertainties, and assumptions, the forward-looking events
discussed herein may or may not occur. There also may be other
risks that the company is unable to predict at this time. Any of
these risks and uncertainties may cause actual results to differ
materially from the results discussed in the forward-looking
statements.
Humana advises investors to read the following documents as
filed by the company with the SEC for further discussion both of
the risks it faces and its historical performance:
- Form 10-K for the year ended December 31, 2022;
- Form 10-Q for the quarters ended March 31, 2023, June 30, 2023,
and September 30, 2023; and
- Form 8-Ks filed during 2023 and 2024.
About Humana
Humana Inc. is committed to putting health first – for our
teammates, our customers, and our company. Through our Humana
insurance services, and our CenterWell health care services, we
make it easier for the millions of people we serve to achieve their
best health – delivering the care and service they need, when they
need it. These efforts are leading to a better quality of life for
people with Medicare, Medicaid, families, individuals, military
service personnel, and communities at large. Learn more about what
we offer at Humana.com and at CenterWell.com.
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version on businesswire.com: https://www.businesswire.com/news/home/20240125392768/en/
Lisa Stoner Humana Investor Relations (502) 580-2652 e-mail:
LStamper@humana.com
Mark Taylor Humana Corporate Communications (317) 753-0345
e-mail: MTaylor108@humana.com
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