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CVS vs HUM
Which Stock Would AI Choose? CVS Health (CVS) vs. Humana (HUM) Stock Comparison
Key Takeaways
- CVS Health (CVS) has delivered over 22% returns in the past year, outperforming Humana amid regulatory tailwinds for its Aetna insurance and PBM (pharmacy benefit manager) segments.
- Humana (HUM) rallied nearly 30% in recent weeks from 52-week lows but faces volatility from Medicare Advantage pressures.
- CVS offers a larger market cap ($105B) and diversified revenue from retail pharmacy, PBM, and insurance, contrasting HUM's $28B cap and Medicare-focused model.
- Both stocks show bullish AI signals like moving average crossovers, but CVS exhibits greater trend stability.
- Analyst targets suggest modest upside for both, with CVS at $96.58 and HUM at $240.50.
Introduction
CVS Health (CVS) and Humana (HUM) represent key players in the U.S. healthcare sector, with CVS blending retail pharmacy, pharmacy benefits management, and health insurance through Aetna, while HUM specializes in managed care, particularly Medicare Advantage plans. This comparison is relevant for investors seeking exposure to healthcare services versus pure-play insurance, especially amid evolving Medicare policies and regulatory shifts. Traders monitoring relative performance may find insights into momentum, valuation, and sector risks valuable in the current market environment.
CVS Overview and Recent Performance
CVS Health operates an integrated model encompassing over 9,000 retail pharmacies, a leading PBM business, and Aetna health insurance serving millions. In recent market activity, CVS stock has climbed about 12% over the past 30 days and 5% year-to-date, trading near $82 within a 52-week range of $58-$85. Sentiment has improved on regulatory tailwinds boosting Aetna and PBM visibility, with shares up over 5% in a single session. Technical indicators like a positive MACD histogram and bullish moving average crossovers signal upward momentum, though overbought RSI hints at possible consolidation ahead of Q1 earnings. Broader performance reflects resilience in a competitive landscape.
HUM Overview and Recent Performance
Humana provides managed healthcare services, with a heavy emphasis on Medicare Advantage plans covering seniors. Recently, HUM shares have surged around 28% in the past month to about $234, within a 52-week range of $163-$315, though year-to-date returns stand at roughly 8%. Q1 results beat EPS (earnings per share) estimates at $10.31, driven by premium growth, but lowered full-year guidance on rising costs led to initial declines before a rebound on Medicare rate improvements. Bullish signals include momentum above zero and Aroon uptrend, tempered by overbought Stochastic readings. Performance underscores sensitivity to government reimbursement trends.
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Head-to-Head Comparison
CVS Health's diversified model—retail, PBM, and insurance—provides broader revenue streams than HUM's concentrated Medicare Advantage focus, reducing single-segment risk but exposing CVS to retail pressures. Growth drivers differ: CVS benefits from pharmacy utilization and PBM scale, while HUM relies on premium increases and enrollment amid flat Medicare rates. Recent momentum favors HUM's sharp rebound versus CVS's steadier climb, yet CVS leads in one-year returns (22% vs. HUM's flat). Risk factors include regulatory changes for both, with HUM more vulnerable to reimbursement cuts; CVS's higher P/E (59 vs. 25) reflects growth expectations but potential overvaluation. Market sentiment tilts positive for CVS on stability, while HUM draws caution on profitability goals.
Tickeron AI Verdict
Tickeron's AI currently favors CVS over HUM, citing superior trend consistency, relative outperformance in the past year, and upcoming earnings catalysts amid stable technical signals like moving average support. HUM's rally shows promise but carries higher volatility from Medicare exposure. This positioning suggests CVS has a probabilistic edge for near-term stability in healthcare trends.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CVS is a Buy and HUM is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
CVS’s FA Score shows that 3 FA rating(s) are green whileHUM’s FA Score has 2 green FA rating(s).
- CVS’s FA Score: 3 green, 2 red.
- HUM’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
CVS’s TA Score shows that 6 TA indicator(s) are bullish while HUM’s TA Score has 4 bullish TA indicator(s).
- CVS’s TA Score: 6 bullish, 4 bearish.
- HUM’s TA Score: 4 bullish, 4 bearish.
Price Growth
CVS (@Managed Health Care) experienced а +10.31% price change this week, while HUM (@Managed Health Care) price change was +17.69% for the same time period.
The average weekly price growth across all stocks in the @Managed Health Care industry was +6.73%. For the same industry, the average monthly price growth was +25.19%, and the average quarterly price growth was +15.04%.
Reported Earning Dates
CVS is expected to report earnings on Aug 05, 2026.
HUM is expected to report earnings on Jul 29, 2026.
Industries' Descriptions
@Managed Health Care (+6.73% weekly)Managed healthcare industry focuses on providing health/medical and disability insurance plans, generally intended to reduce the cost of for-profit health care. The insurance products might be provided through employer-paid (fully or partly) insurance and benefit programs, or through Medicare/Medicaid. Some of the largest providers of managed health care include Aetna, Humana Inc., and Cigna, and UnitedHealthcare.
| CVS | HUM | CVS / HUM | |
| Capitalization | 116B | 33B | 352% |
| EBITDA | 9.86B | N/A | - |
| Gain YTD | 16.049 | 7.897 | 203% |
| P/E Ratio | 39.71 | 29.34 | 135% |
| Revenue | 402B | 137B | 293% |
| Total Cash | N/A | 22B | - |
| Total Debt | 79.9B | 14B | 571% |
CVS | HUM | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 80 | 26 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 6 Undervalued | 18 Undervalued | |
PROFIT vs RISK RATING 1..100 | 69 | 100 | |
SMR RATING 1..100 | 87 | 97 | |
PRICE GROWTH RATING 1..100 | 25 | 43 | |
P/E GROWTH RATING 1..100 | 7 | 14 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
CVS's Valuation (6) in the Drugstore Chains industry is in the same range as HUM (18) in the Managed Health Care industry. This means that CVS’s stock grew similarly to HUM’s over the last 12 months.
CVS's Profit vs Risk Rating (69) in the Drugstore Chains industry is in the same range as HUM (100) in the Managed Health Care industry. This means that CVS’s stock grew similarly to HUM’s over the last 12 months.
CVS's SMR Rating (87) in the Drugstore Chains industry is in the same range as HUM (97) in the Managed Health Care industry. This means that CVS’s stock grew similarly to HUM’s over the last 12 months.
CVS's Price Growth Rating (25) in the Drugstore Chains industry is in the same range as HUM (43) in the Managed Health Care industry. This means that CVS’s stock grew similarly to HUM’s over the last 12 months.
CVS's P/E Growth Rating (7) in the Drugstore Chains industry is in the same range as HUM (14) in the Managed Health Care industry. This means that CVS’s stock grew similarly to HUM’s over the last 12 months.
| CVS | HUM | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 64% | 1 day ago 81% |
| Stochastic ODDS (%) | 1 day ago 68% | 5 days ago 70% |
| Momentum ODDS (%) | 1 day ago 68% | N/A |
| MACD ODDS (%) | 5 days ago 69% | N/A |
| TrendWeek ODDS (%) | 1 day ago 61% | 1 day ago 58% |
| TrendMonth ODDS (%) | 1 day ago 58% | 1 day ago 57% |
| Advances ODDS (%) | 1 day ago 65% | 1 day ago 59% |
| Declines ODDS (%) | 5 days ago 60% | 9 days ago 68% |
| BollingerBands ODDS (%) | 1 day ago 67% | 1 day ago 71% |
| Aroon ODDS (%) | 1 day ago 58% | 1 day ago 47% |
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