-1.18%
15.64%
13.79%
-18.86%
-22.39%
-25.25%
-12.74%
AI Spotlight on HUM
Company Description
Humana Inc., together with its subsidiaries, operates as a health and well-being company in the United States.It operates through three segments: Retail, Group and Specialty, and Healthcare Services.The company offers medical and supplemental benefit plans to individuals.
It 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, the company provides commercial fully insured medical and specialty health insurance benefits comprising dental, vision, and other supplemental health benefits; and administrative services only products to individuals and employer groups, as well as military services, such as TRICARE T2017 East Region contract.Further, it offers pharmacy solutions, provider services, and home solutions services, such as home health and other services to its health plan members, as well as to third parties.
As of December 31, 2021, the company had approximately 17 million members in medical benefit plans, as well as approximately 5 million members in specialty products.Humana Inc.was founded in 1961 and is headquartered in Louisville, Kentucky.
Market Data
| Last Price | 293.39 |
| Change Percentage | -1.18% |
| Open | 296 |
| Previous Close | 296.91 |
| Market Cap ( Millions) | 35328 |
| Volume | 930064 |
| Year High | 406.46 |
| Year Low | 213.31 |
| M A 50 | 276.32 |
| M A 200 | 317.02 |
Financial Ratios
| FCF Yield | -12.30% |
| Dividend Yield | 1.21% |
| ROE | 8.16% |
| Debt / Equity | 74.14% |
| Net Debt / EBIDTA | 209.93% |
| Price To Book | 2.01 |
| Price Earnings Ratio | 25.99 |
| Price To FCF | -8.13 |
| Price To sales | 0.31 |
| EV / EBITDA | 11.48 |
News
- 15:01 - 4 Healthcare Stocks Poised to Crush Q4 Earnings Estimates
- Jan -28 - Momentum Grows for These 3 Healthcare Stocks
- Jan -24 - Humana (HUM) Soars 3.1%: Is Further Upside Left in the Stock?
- Jan -21 - RedHill's Talicia® Adds 8 Million Lives With Coverage by Humana®'s Part D Plan. Also, New Data Supporting Simplified Three-Times Daily Talicia Dosing Published
- Jan -17 - Will Humana (HUM) Beat Estimates Again in Its Next Earnings Report?
- Jan -16 - Here's Why it is Prudent for Investors to Hold Humana Stock for Now
- Jan -16 - Will UNH, HUM & CVS be the Top Beneficiaries of the $21B MA Boom?
- Jan -15 - Bet on 5 Top-Ranked Stocks With Rising P/E for Soild Gains
- Jan -14 - Big Gains Ahead for Medicare Advantage Sellers as Payments Set to Grow
- Jan -10 - 3 HMO Stocks Poised to Thrive Despite Industry Headwinds
- Jan -09 - Humana Inc. to Release Fourth Quarter 2024 Results on February 11, 2025
- Jan -07 - Humana Earns Equality 100 Award in Human Rights Campaign Foundation's 2025 Corporate Equality Index
- Dec -20 - Humana Names Japan Mehta as Chief Information Officer
- Dec -19 - Texas A&M University-Mays Business School and Humana Announce Winners of Eighth Annual Healthcare Analytics Case Competition
- Dec -18 - Humana, Cigna Plunge On Trump's Latest Promise: A Potential Buying Opportunity?
- Dec -07 - 5 Relatively Secure And Cheap Dividend Stocks For December 2024: Yields Up To 9%
- Dec -05 - Humana: Medicare Advantage Is Just A Short-Term Problem
- Dec -05 - AM Best Downgrades Credit Ratings of Humana Health of Puerto Rico Group's Subsidiaries; Affirms Credit Ratings of Humana Inc. and Most of Its Health Insurance Subsidiaries
- Dec -03 - Humana says Susan Diamond to step down as CFO
- Dec -03 - Humana Announces CFO Transition
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Insurance
Expected Growth : 6 %
What the company do ?
Humana Inc. offers various insurance products, including individual and group health, dental, vision, and supplemental insurance plans, catering to diverse customer needs.
Why we expect these perspectives ?
Humana Inc.'s 6% growth in insurance is driven by increasing healthcare demand, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on Medicare Advantage and individual commercial plans, as well as its investments in digital health and analytics, contribute to its growth momentum.
Segment n°2 -> CenterWell
Expected Growth : 4 %
What the company do ?
CenterWell is Humana's senior-focused care delivery model, providing comprehensive, value-based care to Medicare Advantage members.
Why we expect these perspectives ?
CenterWell from Humana Inc. growth driven by increasing demand for value-based care, expansion of Medicare Advantage plans, and strategic acquisitions. Additionally, investments in digital health and analytics, as well as a focus on senior-focused care, contribute to its growth.
Segment n°3 -> Eliminations/Corporate
Expected Growth : 3 %
What the company do ?
Eliminations/Corporate from Humana Inc. refers to the consolidation of financials, eliminating inter-company transactions and presenting a unified corporate view.
Why we expect these perspectives ?
Humana's Eliminations/Corporate segment growth of 3% is driven by strategic cost savings initiatives, operational efficiencies, and investments in digital transformation. Additionally, the company's focus on improving administrative cost structures and streamlining operations has contributed to this growth. Furthermore, Humana's efforts to optimize its corporate functions and reduce overhead expenses have also played a key role in achieving this level of growth.
Humana Inc. Products
| Product Range | What is it ? |
|---|---|
| Individual and Family Plans | Humana offers individual and family plans that provide health insurance coverage to individuals and families who are not covered by an employer-sponsored plan. |
| Group Health Plans | Humana offers group health plans to employers who want to provide health insurance coverage to their employees. |
| Medicare Advantage Plans | Humana offers Medicare Advantage plans to seniors and people with disabilities who are eligible for Medicare. |
| Medicare Supplement Plans | Humana offers Medicare Supplement plans to seniors who want to supplement their Medicare coverage. |
| Dental and Vision Plans | Humana offers dental and vision plans to individuals and groups who want to add dental and vision coverage to their health insurance plan. |
| Pharmacy Benefit Management | Humana offers pharmacy benefit management services to help manage prescription drug costs and improve health outcomes. |
| Wellness and Population Health | Humana offers wellness and population health services to help individuals and groups improve their health and reduce healthcare costs. |
Humana Inc.'s Porter Forces
Threat Of Substitutes
Humana Inc. operates in a highly regulated industry, and the threat of substitutes is moderate. While there are alternative healthcare providers, the complexity of the healthcare system and the need for specialized services limit the threat of substitutes.
Bargaining Power Of Customers
Humana Inc. has a large customer base, and individual customers have limited bargaining power. However, large employer groups and government contracts may have more negotiating power.
Bargaining Power Of Suppliers
Humana Inc. relies on a network of healthcare providers, and the bargaining power of suppliers is moderate. While some providers may have more negotiating power, Humana's scale and market presence mitigate this threat.
Threat Of New Entrants
The healthcare industry has high barriers to entry, including regulatory hurdles and significant capital requirements. This limits the threat of new entrants.
Intensity Of Rivalry
The healthcare industry is highly competitive, with multiple players vying for market share. Humana Inc. faces intense competition from other health insurers, as well as new entrants and disruptors.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 42.10% |
| Debt Cost | 5.34% |
| Equity Weight | 57.90% |
| Equity Cost | 6.44% |
| WACC | 5.97% |
| Leverage | 72.72% |
Humana Inc. : Quality Control
Humana Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| UNH | UnitedHealth Group Incorporated operates as a diversified health care company in the United States. It operates through four segments: UnitedHealthcare, Optum Health, Optum Insight, and Optum Rx. The UnitedHealthcare segment … |
| CVS | CVS Health Corporation provides health services in the United States. The company's Health Care Benefits segment offers traditional, voluntary, and consumer-directed health insurance products and related services. It serves employer … |
| BSX | Boston Scientific Corporation develops, manufactures, and markets medical devices for use in various interventional medical specialties worldwide. It operates through three segments: MedSurg, Rhythm and Neuro, and Cardiovascular. The company … |
| ELV | Elevance Health Inc. operates as a health benefits company. It supports consumers, families, and communities across the entire care journey connecting to the care, support, and resources to lead healthier … |
| CNC | Centene Corporation operates as a multi-national healthcare enterprise that provides programs and services to under-insured and uninsured individuals in the United States. Its Managed Care segment offers health plan coverage … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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UnitedHealth
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1-Year Total Return ->
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Boston Scientific
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1-Year Total Return ->
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Elevance Health
A-Score
1-Year Total Return ->
4
CVS Health
A-Score
1-Year Total Return ->
5
Centene
A-Score
1-Year Total Return ->
6
