(HUM) Humana - Ratings and Ratios

Humana Inc. (NYSE: HUM) stands as a prominent player in the U.S. health insurance sector, operating through two primary segments: Insurance and CenterWell. The Insurance segment offers a diverse range of medical and specialty insurance products, including Medicare Advantage, Medicaid, and commercial group health insurance. CenterWell focuses on healthcare services, encompassing pharmacy benefit management, home health care, and senior-focused primary care centers. This dual structure allows Humana to integrate insurance with care delivery, fostering a value-based care approach that emphasizes preventive medicine and cost efficiency.

Humanas business model is bolstered by its robust administrative platform, which supports both fully insured and self-insured plans. The company has made significant investments in digital health technologies and data analytics to enhance member engagement and improve health outcomes. With a market capitalization of over $31 billion, Humanas financial profile includes a price-to-earnings ratio of approximately 25.79 and a forward P/E of 15.36, indicating expectations of future growth. The companys strategic focus on senior demographics and government-sponsored plans positions it well in a growing market, making it a notable consideration for investors seeking exposure to the managed healthcare sector.