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Upturn AI SWOT - About
HUM 
Humana Inc (HUM)
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Upturn Advisory Summary
08/28/2025: 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.
Number of Analysts
26 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $291.82
1 Year Target Price $291.82
| 6 | Strong Buy |
| 3 | Buy |
| 17 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -31.36% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 35.83B USD | Price to earnings Ratio 22.83 | 1Y Target Price 291.82 |
Price to earnings Ratio 22.83 | 1Y Target Price 291.82 | ||
Volume (30-day avg) 26 | Beta 0.45 | 52 Weeks Range 206.87 - 377.69 | Updated Date 08/28/2025 |
52 Weeks Range 206.87 - 377.69 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 1.19% | Basic EPS (TTM) 13.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-29 | When After Market | Estimate 5.87 | Actual 6.27 |
Profitability
Profit Margin 1.28% | Operating Margin (TTM) 3.58% |
Management Effectiveness
Return on Assets (TTM) 4.69% | Return on Equity (TTM) 9.03% |
Valuation
Trailing PE 22.83 | Forward PE 18.87 | Enterprise Value 44373772161 | Price to Sales(TTM) 0.29 |
Enterprise Value 44373772161 | Price to Sales(TTM) 0.29 | ||
Enterprise Value to Revenue 0.36 | Enterprise Value to EBITDA - | Shares Outstanding 120272000 | Shares Floating 120045708 |
Shares Outstanding 120272000 | Shares Floating 120045708 | ||
Percent Insiders 0.21 | Percent Institutions 96.07 |
Upturn AI SWOT
Humana Inc
Company Overview
History and Background
Humana Inc. was founded in 1961 as a nursing home company, Extendicare, and evolved into a hospital company before focusing on health insurance. In the 1980s, it transitioned to a managed care company. It's headquartered in Louisville, Kentucky.
Core Business Areas
- Retail: Offers Medicare plans (Medicare Advantage and Part D), individual commercial products, and Medicaid plans. It serves individuals and families.
- Group and Specialty: Provides employer group health plans, specialty benefit programs (dental, vision, life), and administrative services.
- Healthcare Services: This segment includes CenterWell, which delivers primary care, pharmacy, and home health services.
Leadership and Structure
Humana is led by CEO Bruce Broussard. The organizational structure includes various functional departments and business segments, each headed by senior executives reporting to the CEO.
Top Products and Market Share
Key Offerings
- Medicare Advantage Plans: Humana's Medicare Advantage plans are a significant revenue driver. Competitors include UnitedHealth Group (UNH), CVS Health (Aetna), and Kaiser Permanente. Market share is significant, but fluctuates annually based on enrollment numbers. Humana has ~ 9% of Medicare Advantage and ~ 2% of prescription drug markets nationwide.
- Prescription Drug Plans (Part D): Humana offers standalone prescription drug plans. Competitors include UnitedHealth Group (UNH), CVS Health (Aetna), and Cigna (CI).Humana has ~ 2% of prescription drug markets nationwide.
- CenterWell: CenterWell Senior Primary Care, a wholly owned brand by Humana, offers preventative and comprehensive primary care for adults 65+ living in the United States. Competitors include Oak Street Health (CVS Health) and ChenMed
Market Dynamics
Industry Overview
The health insurance industry is characterized by increasing consolidation, regulatory changes (Affordable Care Act), and a growing focus on value-based care and preventative services. The market is highly competitive, with major players vying for market share.
Positioning
Humana is positioned as a leading player in the Medicare Advantage market, with a growing presence in healthcare services through its CenterWell brand. Its competitive advantages include a strong brand, extensive provider network, and focus on integrated care.
Total Addressable Market (TAM)
The US health insurance market is estimated to be in the trillions of dollars. Humana is positioned well in Medicare Advantage, a segment expected to grow due to the aging population.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive provider network
- Large Medicare Advantage enrollment
- Growing presence in healthcare services
- Focus on value-based care
Weaknesses
- Reliance on government funding (Medicare/Medicaid)
- Exposure to regulatory changes
- Competition from larger players
- Potential for medical cost inflation
Opportunities
- Expansion of Medicare Advantage offerings
- Growth in healthcare services (CenterWell)
- Strategic acquisitions
- Partnerships with healthcare providers
Threats
- Regulatory changes impacting Medicare/Medicaid
- Increased competition
- Rising medical costs
- Economic downturn affecting enrollment
Competitors and Market Share
Key Competitors
- UNH
- CVS
- CI
- ANTM
Competitive Landscape
Humana faces intense competition from larger, more diversified players like UnitedHealth and CVS Health. Its strengths lie in its Medicare Advantage expertise and growing presence in healthcare services. However, it needs to continue innovating and expanding its capabilities to remain competitive.
Major Acquisitions
Kindred at Home
- Year: 2021
- Acquisition Price (USD millions): 5700
- Strategic Rationale: To expand Humana's home health capabilities and integrated care offerings.
Growth Trajectory and Initiatives
Historical Growth: Humana has experienced growth in revenue and earnings, driven by increasing Medicare Advantage enrollment and expansion of healthcare services.
Future Projections: Analyst estimates vary, but generally project continued growth in revenue and earnings, driven by the aging population and increased demand for healthcare services.
Recent Initiatives: Recent initiatives include expanding the CenterWell footprint, investing in technology to improve healthcare delivery, and strategic acquisitions to enhance capabilities.
Summary
Humana is a leading player in the Medicare Advantage market with a growing presence in healthcare services, especially with CenterWell. It faces intense competition and regulatory pressures. Expanding its healthcare services and managing medical costs are critical for future growth. The growing population presents an opportunity, but economic downturns and rising costs pose threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Market Research Reports
- Analyst Reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.
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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