HUM$239.605
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AI HUM Summary
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Powered by LiveAIOverall Analysis
BuyHumana Inc. presents a mixed investment profile. It demonstrates strong underlying fundamentals with robust revenue and a stable market position in the healthcare sector. However, recent profitability concerns and a slightly elevated valuation, coupled with mixed technical indicators, suggest a cautious approach is warranted. The company is well-positioned for long-term growth, particularly in government-sponsored health plans, but short-to-medium term performance may be impacted by regulatory changes and market sentiment.
Thematic
Humana is well-positioned to benefit from several key secular trends in the healthcare industry, including the aging population, increasing demand for managed care, and government healthcare spending (Medicare Advantage, Medicaid). Their focus on integrated care models and pharmacy benefits through CenterWell offers diversification and growth potential.
Fundamental
Humana demonstrates strong revenue growth and a solid balance sheet. However, profitability has shown volatility, with a recent dip in net income and margins. The P/E ratio is within a reasonable range for the healthcare sector, but the dividend yield is modest.
Technical
The stock is trading below its 50-day and 200-day moving averages, indicating a bearish short-to-medium term trend. While some oscillators suggest oversold conditions, others show neutral to bearish momentum, pointing to potential sideways movement or further declines before a sustained recovery.
| Factor | Score |
|---|---|
| Aging Population & Healthcare Demand | 90 |
| Government Healthcare Programs (Medicare/Medicaid) | 85 |
| Integrated Care & Pharmacy Services (CenterWell) | 88 |
| Healthcare Technology & Digitalization | 70 |
| Regulatory & Policy Environment | 65 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 45 |
| Growth | 75 |
| Balance Sheet Health | 70 |
| Cash Flow | 75 |
| Dividends | 60 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 55 |
| Volume Confirmation | 65 |
| Support & Resistance | 70 |
| Short-term Oscillators | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Positive EPS Surprises
The company has exceeded earnings per share (EPS) estimates in 9 out of the last 12 quarters, with an average surprise of 10.4%. This consistent beat indicates strong operational execution and forecasting accuracy.
Attractive P/E Ratio
The trailing twelve-month (TTM) Price-to-Earnings (P/E) ratio is 16.18, which is lower than the industry average of 20.5, suggesting the stock may be undervalued relative to its earnings.
Bearish Points (7)
Recent Earnings Miss
The company missed the EPS estimate in Q4 2024 by a significant margin (-174.23%), reporting -$0.11 against an estimate of $0.15. This recent miss suggests potential challenges in the current operating environment.
Elevated Price-to-Sales (P/S) Ratio
The P/S ratio for the trailing twelve months (TTM) is 0.3, and it was 0.3 for 2024, 2023, and 2022. While consistent, this ratio should be compared against industry peers to determine if it represents value or overvaluation given the revenue scale.
Calendar
June 2025
27
Ex-Dividend Date
July 2025
25
Next Dividend Date
July 2025
30
Next Earnings Date
H: $8.28
A: $5.87
L: $4.50
H: 32.35B
A: 31.85B
L: 31.53B
Profile
Humana Inc. provides medical and specialty insurance products in the United States. It operates in two segments, Insurance and CenterWell. It offers medical care and supplemental benefit plans to individuals. The company also has a contract with Centers for Medicare and Medicaid Services to administer the Limited Income Newly Eligible Transition prescription drug plan program; and contracts with various states to provide Medicaid, dual eligible, and long-term support services benefits. In addition, it provides commercial fully-insured medical and specialty health insurance benefits comprising dental, vision, and other supplemental health benefits, as well as administrative services only products to individuals and employer groups; and military services, such as TRICARE T2017 East Region contract. Further, the company engages in the operation of pharmacy benefit manager business; operates pharmacies and senior focused primary care centers; and offers home solutions services, such as home health, hospice, and other services to its health plan members, as well as to third parties. It sells its products through employers and employees, independent brokers and agents, sales representatives, and digital insurance agencies. The company was formerly known as Extendicare Inc. and changed its name to Humana Inc. in April 1974. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.
Seasonals
Price Target
286.44 USD
The 39 analysts offering 1 year price forecasts for HUM have a max estimate of 348.00 and a min estimate of 224.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
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Major direct competitor in health insurance, offering a wide range of health benefits products, including Medicare Advantage plans.
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Operates Aetna, a significant health insurance competitor, and Caremark, a major pharmacy benefit manager (PBM) that competes with Humana's PBM services.
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Major direct competitor in health insurance and operates Express Scripts, one of the largest pharmacy benefit managers (PBMs).