Humana HUM
Humana Inc. is a US health insurer offering Medicare Advantage, Medicaid, and commercial plans, managing the health risk of its members in exchange for premiums. Humana shows strong growth (revenue +26.2%, earnings +27.1%) and a net cash position (DN/EBITDA -2.54), but its valuation is demanding (P/E 37.61) and its operating margin is low (3.46%), reflecting the competitive Medicare Advantage environment.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Humana Inc. is a US health insurer offering Medicare Advantage, Medicaid, and commercial plans, managing the health risk of its members in exchange for premiums. Humana shows strong growth (revenue +26.2%, earnings +27.1%) and a net cash position (DN/EBITDA -2.54), but its valuation is demanding (P/E 37.61) and its operating margin is low (3.46%), reflecting the competitive Medicare Advantage environment.
Score by category
| Category | Score |
|---|---|
| Financial health | 6.8 |
| Quality / Moat | 4.8 |
| Valuation | 5.0 |
| Growth | 8.5 |
| Dividend | 5.4 |
| Momentum | 8.7 |
| Risk & Context | 7.0 |
OVERALL SCORE: 6.2/10
Context and risks
Inherent regulatory risk in the Medicare Advantage sector: changes in payment rates or star ratings can materially affect revenue. Governance in the US is moderate, but pricing pressure is a real risk.
News considered in the analysis
- Humana (HUM) Jumped, But What Is Drawing Fresh Attention Now? — Artículo especulativo sobre el interés reciente en Humana, sin datos concretos; impacto moderado y parcialmente descontado.
- Why Humana (HUM) Stock Is Up Today — Explica la subida del día sin información nueva material; refleja el momentum positivo ya en el precio.
- Humana Stock Jumps. Why It Could Be a Big Winner in Next Medicare Star Ratings. — Las calificaciones de estrellas de Medicare son clave para los ingresos de Humana; una mejora esperada podría impulsar los ingresos por prima, pero aún no confirmada.
- Sector Update: Healthcare Stocks Higher Late Afternoon — Actualización sectorial genérica sin información específica sobre Humana.
- Humana surges: Barclays bets big on Medicare star ratings rebound — El respaldo de Barclays a una recuperación en las calificaciones de estrellas es una señal positiva material, aunque depende de la confirmación oficial.
Verdict: Hold; positive momentum and expectations of improved star ratings are encouraging, but valuation and margin limit upside potential.
Main risk: The main risk is dependence on Medicare star ratings and regulatory changes in payment rates, which can significantly affect revenue and margins.
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