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HUM 
Humana Inc (HUM)
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Upturn Advisory Summary
11/28/2025: HUM (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
26 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $286.62
1 Year Target Price $286.62
| 6 | Strong Buy |
| 3 | Buy |
| 17 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -38.97% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 29.56B USD | Price to earnings Ratio 22.99 | 1Y Target Price 286.62 |
Price to earnings Ratio 22.99 | 1Y Target Price 286.62 | ||
Volume (30-day avg) 26 | Beta 0.46 | 52 Weeks Range 206.15 - 314.25 | Updated Date 11/30/2025 |
52 Weeks Range 206.15 - 314.25 | Updated Date 11/30/2025 | ||
Dividends yield (FY) 1.44% | Basic EPS (TTM) 10.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-05 | When Before Market | Estimate 2.83 | Actual 3.24 |
Profitability
Profit Margin 1.02% | Operating Margin (TTM) 2.04% |
Management Effectiveness
Return on Assets (TTM) 4.58% | Return on Equity (TTM) 7.16% |
Valuation
Trailing PE 22.99 | Forward PE 17.92 | Enterprise Value 36778511922 | Price to Sales(TTM) 0.23 |
Enterprise Value 36778511922 | Price to Sales(TTM) 0.23 | ||
Enterprise Value to Revenue 0.29 | Enterprise Value to EBITDA - | Shares Outstanding 120273068 | Shares Floating 120048157 |
Shares Outstanding 120273068 | Shares Floating 120048157 | ||
Percent Insiders 0.21 | Percent Institutions 97.63 |
Upturn AI SWOT
Humana Inc
Company Overview
History and Background
Humana Inc. was founded in 1961 as a nursing home company, Extendicare, before entering the hospital business and later transitioning to managed care. It has since evolved into a leading health insurance company.
Core Business Areas
- Retail: Provides Medicare benefits, including Medicare Advantage and prescription drug plans, to individual members.
- Group and Specialty: Offers employer group commercial medical and specialty health insurance benefits such as dental, vision, and life insurance.
- Healthcare Services: Provides services such as pharmacy solutions, provider services, and home solutions.
Leadership and Structure
Humana's leadership team consists of the CEO, CFO, and other executive officers. The organizational structure includes various business segments reporting to the executive team, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Medicare Advantage Plans: Humana's Medicare Advantage plans are a core offering, providing comprehensive health coverage to seniors. Humana held approximately 8.5% market share of the entire Medicare Advantage market in 2024, with approximately 5.9 million members. Competitors include UnitedHealth Group, CVS Health (Aetna), and Kaiser Permanente.
- Prescription Drug Plans (PDP): Humana offers stand-alone prescription drug plans under Medicare Part D. Market share fluctuates, but Humana is consistently a major player in this market. Competitors include UnitedHealth Group, CVS Health (Aetna), and Cigna.
- Commercial Medical and Supplemental Benefit Plans: Medical and specialty health insurance benefits offered to employer groups. The percentage of the US market fluctuates annually but is always a top player in the industry. Competitors include UnitedHealth Group, CVS Health (Aetna), and Cigna.
Market Dynamics
Industry Overview
The health insurance industry is characterized by increasing consolidation, regulatory scrutiny, and a focus on value-based care. Growth is driven by the aging population and rising healthcare costs.
Positioning
Humana is positioned as a leader in the Medicare Advantage market, emphasizing customer service and integrated healthcare solutions. Its competitive advantage lies in its established brand, provider networks, and focus on senior health.
Total Addressable Market (TAM)
The U.S. health insurance market represents a TAM of over $1 Trillion annually. Humana is positioned to grow within Medicare Advantage, a key driver of this market's growth, as well as supplemental benefits.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large membership base
- Established provider networks
- Focus on Medicare Advantage
- Data analytics capabilities
Weaknesses
- Exposure to regulatory changes
- Dependence on government funding
- High medical costs
- Customer service challenges
- Integration risks from acquisitions
Opportunities
- Expanding Medicare Advantage market
- Growth in value-based care
- Strategic acquisitions and partnerships
- Technological advancements (telehealth)
- Geographic expansion
Threats
- Increased competition
- Rising healthcare costs
- Regulatory uncertainty
- Cybersecurity threats
- Economic downturns
Competitors and Market Share
Key Competitors
- UNH
- CI
- CVS
- MOH
Competitive Landscape
Humana faces intense competition from larger, diversified healthcare companies. Its advantage lies in its focus on senior health and established brand, while its disadvantage includes potential scale limitations compared to UnitedHealth and CVS Health.
Major Acquisitions
Kindred at Home
- Year: 2021
- Acquisition Price (USD millions): 5700
- Strategic Rationale: Expanded Humana's capabilities in home-based care to improve health outcomes and reduce costs.
Growth Trajectory and Initiatives
Historical Growth: Humana's historical growth has been driven by expansion in the Medicare Advantage market and strategic acquisitions.
Future Projections: Future growth is projected to continue with the aging population and increased adoption of Medicare Advantage. Analyst estimates depend on market conditions and company performance.
Recent Initiatives: Recent initiatives may include expansion into new geographic markets, investments in technology, and partnerships with healthcare providers.
Summary
Humana is a major player in the health insurance industry, particularly in the Medicare Advantage market. Its strong brand and focus on senior health are key strengths. However, regulatory pressures, rising healthcare costs, and strong competition pose challenges. Future growth depends on successfully navigating these issues and capitalizing on market opportunities in value-based care and technology.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports (e.g., CMS)
- Analyst Estimates
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions are subject to change. Data is based on available information and may be subject to inaccuracies.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Humana Inc
Exchange NYSE | Headquaters Louisville, KY, United States | ||
IPO Launch date 1993-01-22 | President, CEO & Director Mr. James A. Rechtin M.B.A. | ||
Sector Healthcare | Industry Healthcare Plans | Full time employees 65680 | Website https://www.humana.com |
Full time employees 65680 | Website https://www.humana.com | ||
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.
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