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Upturn AI SWOT - About
HUM 
Humana Inc (HUM)
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Upturn Advisory Summary
07/14/2025: 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 $296.01
1 Year Target Price $296.01
| 6 | Strong Buy |
| 3 | Buy |
| 17 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -41.36% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 27.84B USD | Price to earnings Ratio 16.29 | 1Y Target Price 296.01 |
Price to earnings Ratio 16.29 | 1Y Target Price 296.01 | ||
Volume (30-day avg) 26 | Beta 0.43 | 52 Weeks Range 211.09 - 401.12 | Updated Date 07/13/2025 |
52 Weeks Range 211.09 - 401.12 | Updated Date 07/13/2025 | ||
Dividends yield (FY) 1.45% | Basic EPS (TTM) 14.16 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.42% | Operating Margin (TTM) 6.35% |
Management Effectiveness
Return on Assets (TTM) 4.72% | Return on Equity (TTM) 10.1% |
Valuation
Trailing PE 16.29 | Forward PE 14.71 | Enterprise Value 36896363878 | Price to Sales(TTM) 0.23 |
Enterprise Value 36896363878 | Price to Sales(TTM) 0.23 | ||
Enterprise Value to Revenue 0.31 | Enterprise Value to EBITDA - | Shares Outstanding 120693000 | Shares Floating 120461744 |
Shares Outstanding 120693000 | Shares Floating 120461744 | ||
Percent Insiders 0.2 | Percent Institutions 96.06 |
Upturn AI SWOT
Humana Inc
Company Overview
History and Background
Humana Inc. was founded in 1961 as a nursing home company. It evolved into a hospital company before transitioning to a managed care organization in the 1980s. Today, it is a leading health and well-being company.
Core Business Areas
- Retail: Offers Medicare Advantage, prescription drug plans, and individual commercial products.
- Group and Specialty: Provides employer group commercial medical and specialty health insurance benefits, as well as military services, primarily through TRICARE.
- Healthcare Services: Includes provider services, home solutions and pharmacy solutions designed to improve health outcomes and lower costs for members.
Leadership and Structure
Humana is led by Bruce Broussard (President and CEO). The company has a hierarchical structure with various business segments reporting to the executive leadership team.
Top Products and Market Share
Key Offerings
- Medicare Advantage Plans: Medicare Advantage plans are a core product, providing comprehensive health coverage to seniors. As of 2024, Humana has a significant portion of the market. Competitors: UnitedHealthcare, CVS Health (Aetna), Kaiser Permanente.
- Prescription Drug Plans (PDP): Humana offers stand-alone prescription drug plans for Medicare beneficiaries. Competitors: UnitedHealthcare, CVS Health (Aetna), Cigna.
- TRICARE: Health coverage for active-duty service members, retirees, and their families. Humana Military is a major provider. Competitors: Centene (managed the TRICARE contract up to 2024).
Market Dynamics
Industry Overview
The healthcare industry is undergoing rapid change, driven by factors such as an aging population, rising healthcare costs, technological advancements, and regulatory reforms.
Positioning
Humana is a major player in the managed care industry, focusing on government-sponsored programs like Medicare Advantage and TRICARE. Its competitive advantage lies in its established network, brand recognition, and strategic partnerships.
Total Addressable Market (TAM)
The US healthcare market is valued in the trillions of dollars. Humana is positioned to address a significant portion of this market, particularly within the Medicare Advantage and government-sponsored segments.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive provider network
- Focus on government-sponsored programs
- Technological investments in care management
- Large membership base
Weaknesses
- Exposure to regulatory changes
- Dependence on government funding
- Complex business model
- Integration challenges with acquisitions
- Cybersecurity risks
Opportunities
- Expanding Medicare Advantage market
- Growth in telehealth and digital health solutions
- Strategic partnerships with healthcare providers
- Acquisitions of complementary businesses
- Focus on value-based care models
Threats
- Increased competition from other managed care companies
- Adverse regulatory changes
- Rising healthcare costs
- Economic downturns
- Cybersecurity breaches
Competitors and Market Share
Key Competitors
- UNH
- CVS
- CI
Competitive Landscape
Humana faces intense competition from larger, diversified healthcare companies like UnitedHealth and CVS. Humana's strengths lie in its focus on Medicare Advantage and its established brand. However, it may face challenges in competing with the scale and resources of its larger rivals.
Major Acquisitions
Kindred at Home (Remaining 60%)
- Year: 2021
- Acquisition Price (USD millions): 5700
- Strategic Rationale: Strengthens Humana's home healthcare capabilities and supports its strategy to provide integrated care to members.
Growth Trajectory and Initiatives
Historical Growth: Humana has demonstrated consistent growth in revenue and membership over the past years, driven by its focus on Medicare Advantage and government-sponsored programs.
Future Projections: Analyst projections for Humana's future growth are generally positive, driven by the aging population and increasing demand for Medicare Advantage plans.
Recent Initiatives: Humana is investing in digital health technologies, expanding its telehealth offerings, and focusing on value-based care models to improve health outcomes and lower costs.
Summary
Humana is a major player in the managed care industry, particularly within Medicare Advantage. Its strong brand, extensive network, and focus on government-sponsored programs provide a solid foundation for growth. However, Humana faces challenges from increased competition, regulatory risks, and rising healthcare costs. Strategic initiatives in digital health and value-based care are critical for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports (e.g., CMS, Kaiser Family Foundation)
- Analyst Reports (e.g., from major investment banks)
- Humana Investor Relations Website
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share figures are estimates and may vary depending on the source. Real-time financial data was unavailable during the creation of this JSON output.
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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