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Upturn AI SWOT - About
HUM 
Humana Inc (HUM)
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Upturn Advisory Summary
04/22/2025: HUM (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -44.91% | Avg. Invested days 29 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 31.91B USD | Price to earnings Ratio 26.47 | 1Y Target Price 307.01 |
Price to earnings Ratio 26.47 | 1Y Target Price 307.01 | ||
Volume (30-day avg) 1654861 | Beta 0.63 | 52 Weeks Range 211.87 - 402.60 | Updated Date 04/25/2025 |
52 Weeks Range 211.87 - 402.60 | Updated Date 04/25/2025 | ||
Dividends yield (FY) 1.32% | Basic EPS (TTM) 9.99 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-04-30 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 1.02% | Operating Margin (TTM) -0.73% |
Management Effectiveness
Return on Assets (TTM) 4.07% | Return on Equity (TTM) 7.41% |
Valuation
Trailing PE 26.47 | Forward PE 16.16 | Enterprise Value 41411132165 | Price to Sales(TTM) 0.27 |
Enterprise Value 41411132165 | Price to Sales(TTM) 0.27 | ||
Enterprise Value to Revenue 0.35 | Enterprise Value to EBITDA - | Shares Outstanding 120693000 | Shares Floating 120382938 |
Shares Outstanding 120693000 | Shares Floating 120382938 | ||
Percent Insiders 0.2 | Percent Institutions 97.78 |
Analyst Ratings
Rating 3.62 | Target Price 296.1 | Buy 2 | Strong Buy 7 |
Buy 2 | Strong Buy 7 | ||
Hold 17 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Humana Inc
Company Overview
History and Background
Humana Inc. was founded in 1961 as a nursing home company called Extendicare. In the 1970s, it transitioned to hospital management and in the 1980s, it entered the health insurance market. It has since evolved into a leading health and well-being company.
Core Business Areas
- Retail: Offers Medicare benefits, commercial fully-insured medical and specialty health insurance benefits, and individual commercial medical products. Medicare Advantage is a key offering.
- Group and Specialty: Provides employer group commercial medical and specialty health insurance benefits, including dental, vision, and life insurance.
- Healthcare Services: Offers services like pharmacy solutions, provider services, and home-based care to improve health outcomes and manage costs.
Leadership and Structure
Humana is led by CEO Bruce D. Broussard. The organizational structure includes various business segments overseen by senior leadership, with a board of directors providing governance.
Top Products and Market Share
Key Offerings
- Medicare Advantage Plans: Humana's Medicare Advantage plans are a significant product, providing comprehensive health coverage to seniors. They hold a substantial market share in this segment. Competitors include UnitedHealth Group, CVS Health (Aetna), and Kaiser Permanente. Difficult to pinpoint exact revenue attributable to MA plans. Humana services 5.8 million MA members in 2023
- Pharmacy Services: Humana Pharmacy Solutions (formerly Enclara Pharmacia) provides pharmacy benefit management (PBM) services. Competitors include CVS Caremark, Express Scripts (Cigna), and OptumRx (UnitedHealth Group). It serves both Humana members and external clients. Revenue specific to Pharmacy solutions is not broken out, but is part of the Healthcare services segment.
- Home Health: Humana's CenterWell Home Health delivers home-based care services. Competitors include UnitedHealth Group's Optum and AccentCare. This is an important and expanding area for the company. Hard to pinpoint the exact number of users and revenue, however Humana has been expanding its offering in the segment in recent years.
Market Dynamics
Industry Overview
The health insurance industry is experiencing increasing consolidation, regulatory changes, and a focus on value-based care. The aging population and rising healthcare costs are key drivers.
Positioning
Humana is a major player in the Medicare Advantage market, with a focus on integrated care and technology. Its competitive advantages include a strong brand, extensive provider network, and focus on member engagement.
Total Addressable Market (TAM)
The TAM for the US health insurance market is estimated to be over $1 trillion. Humana is positioned to capture a significant portion of this market, particularly in the Medicare Advantage and value-based care segments.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive provider network
- Focus on member engagement
- Leading position in Medicare Advantage
- Investments in technology and innovation
Weaknesses
- Dependence on government funding (Medicare)
- Exposure to regulatory changes
- Integration challenges with acquisitions
- Potential for cybersecurity breaches
- Cost pressures from rising healthcare expenses
Opportunities
- Expanding Medicare Advantage market
- Growth in value-based care arrangements
- Increasing demand for home-based care
- Technological advancements in healthcare
- Strategic acquisitions and partnerships
Threats
- Regulatory changes in healthcare
- Increased competition in Medicare Advantage
- Rising healthcare costs
- Economic downturns
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- UNH
- CVS
- CI
- ANTM
- MOH
Competitive Landscape
Humana faces intense competition from other large health insurers. It has a strong position in Medicare Advantage but needs to continue innovating and managing costs to maintain its competitive edge. CVS Health, UnitedHealth Group, and Cigna are all formidable opponents.
Major Acquisitions
Kindred at Home
- Year: 2021
- Acquisition Price (USD millions): 5700
- Strategic Rationale: The acquisition of Kindred at Home expands Humana's home health capabilities and supports its integrated care strategy.
Growth Trajectory and Initiatives
Historical Growth: Humana has experienced growth in revenue and membership, driven by expansion in the Medicare Advantage market.
Future Projections: Analysts project continued growth for Humana, driven by the aging population and increased demand for health insurance. Growth in revenue is expected to be in the mid single digits.
Recent Initiatives: Recent initiatives include investments in technology, acquisitions of healthcare providers, and expansion of value-based care programs.
Summary
Humana is a major player in the Medicare Advantage market, leveraging its strong brand and extensive network. The company faces challenges from rising healthcare costs and regulatory changes but is investing in growth through technology and acquisitions. Expanding Medicare Advantage, home-based care, and value-based care arrangements are key growth drivers. While facing intense competition from other insurers, Humana's focus on integrated care should position it for future success.
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Sources and Disclaimers
Data Sources:
- Humana Inc. SEC filings
- Company Investor Relations
- Market research reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough due diligence and consultation with a qualified financial advisor. Market share percentages are approximate.
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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