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HUM
Humana Inc.
+78%
+5.9% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NYSE
Industry Medical - Healthcare Plans
Sector Healthcare
Market Cap $31.82B
CEO Mr. James A. Rechtin M.B.A.

Humana Inc. is a company that helps people manage their health care needs in the United States. They provide health insurance plans that cover medical services, dental care, and vision needs for individuals and families. Humana also offers special programs for seniors and people with low incomes to help them access necessary medications and health services. In addition, they provide support for home health care and other services to ensure their members get the care they need.

Streams of revenue

Insurance Segment: 85%
CenterWell Segment: 15%

Geographic Distribution

United States: 95%
International: 5%

Estimations for reference only

Core Products

🏥
Medicaid Medicaid services
🦷
Dental Insurance Dental coverage
👓
Vision Insurance Vision plans
🩺
Medicare Advantage Medicare plans
💊
Pharmacy Solutions Pharmacy services

Business Type

B2C Business to Consumer

Competitive Advantages

👥
Large Member Base With approximately 17 million members, Humana benefits from economies of scale, which allows for competitive pricing and improved service delivery.
📦
Diverse Product Offerings The company provides a wide range of health plans and services, catering to various segments including individual, group, and specialty plans, which enhances customer retention.
🏆
Established Brand Reputation Humana has built a strong brand recognized for reliability and quality in healthcare services, fostering trust among consumers.
💡
Innovative Healthcare Solutions The company invests in technology and home health services, offering innovative solutions that improve patient outcomes and reduce costs.
🤝
Strong Relationships with Government Programs Humana's contracts with Medicare and Medicaid provide a stable revenue stream and access to a large customer base, leveraging government funding.

Key Business Risks

🏁
Market Competition Increased competition from other healthcare providers and insurance companies may lead to market share loss and pricing pressures.
💰
Reimbursement Rates Potential reductions in reimbursement rates from Medicare, Medicaid, and private insurers could negatively affect revenue and margins.
🛡️
Cybersecurity Threats As a health information custodian, the company is at risk of data breaches and cyberattacks, which could lead to financial loss and reputational damage.
⚖️
Regulatory Compliance The company faces risks related to changing healthcare regulations and compliance with federal and state laws, which could impact operations and profitability.
🔧
Operational Efficiency Challenges in maintaining operational efficiency and managing costs associated with providing healthcare services may impact profitability.

Meeting Expectations

9 /10

Higher values indicate better execution and credibility

Recent Results

Beat earnings 2025-02-11
Beat earnings 2024-10-30
Beat earnings 2024-07-31
Beat earnings 2024-04-24
Missed earnings 2024-01-25
Beat earnings 2023-11-01
Beat earnings 2023-08-02
Beat earnings 2023-04-26
Beat earnings 2023-02-01
Beat earnings 2022-11-02

Takeaways

Humana Inc. demonstrates a strong business model with diversified healthcare services and robust market positioning, particularly in Medicare and Medicaid segments. Its effective management and solid financial health contribute to its attractiveness, despite facing regulatory risks and competitive pressures in the healthcare industry.

Historical data shows an impressive CAGR compared with the USA stock market average, reflecting a strong market position.

Yearly Return 10Y annualized return is positive but below market average at 5.9% per year
Earnings Expectations HUM has met or exceeded earnings expectations in most recent quarters (9/10)

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