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CVS vs HUM
Which Stock Would AI Choose? CVS Health (CVS) vs. Humana (HUM) Stock Comparison
Key Takeaways
- CVS Health operates a diversified model spanning retail pharmacies, pharmacy benefit management, and health services, while Humana focuses primarily on Medicare Advantage and other insurance products.
- Recent market activity shows Humana reporting strong second-quarter revenue growth to approximately $40.9 billion, with adjusted earnings per share of $7.61, though shares declined following earnings on guidance adjustments.
- CVS Health has maintained steady positioning in the healthcare sector amid broader market volatility, with emphasis on integrated care delivery and cost management initiatives.
- Both companies face sector headwinds including regulatory scrutiny, medical cost trends, and Medicare Star Ratings impacts, creating contrasting risk profiles.
- Relative performance highlights Humana’s outsized year-to-date gains compared to broader benchmarks, while CVS exhibits more defensive stability in recent weeks.
- Sector exposure positions both as core healthcare holdings, with trade-offs in growth drivers versus operational diversification.
Introduction
CVS Health (CVS) and Humana (HUM) represent two distinct approaches within the healthcare sector, making them relevant for investors seeking exposure to managed care, pharmacy services, and insurance. Traders and portfolio managers often compare these names when evaluating defensive growth, dividend stability, and sensitivity to policy changes in Medicare and Medicaid programs. This analysis examines recent stock behavior, business fundamentals, and market positioning to provide objective context for relative performance evaluation. The comparison appeals to those monitoring healthcare trends, sector rotation, and AI-driven signals without implying specific recommendations.
CVS Overview and Recent Performance
CVS Health functions as an integrated healthcare company with operations in retail pharmacy, pharmacy benefit management (PBM), and health services. Recent market activity reflects steady performance amid sector-wide cost pressures and regulatory developments. Stock behavior in recent weeks has shown resilience tied to efforts in optimizing the retail footprint and advancing integrated care models. Sentiment has been influenced by ongoing focus on margin expansion and competitive positioning in PBM services, with investors monitoring broader healthcare utilization trends. The company’s diversified revenue streams provide a buffer against volatility in any single segment.
HUM Overview and Recent Performance
Humana specializes in health insurance, with a significant presence in Medicare Advantage plans. Recent market activity centers on second-quarter 2026 results, which showed revenue rising to $40.9 billion and adjusted earnings per share reaching $7.61. Shares declined following the report as the company maintained its adjusted earnings guidance while adjusting GAAP forecasts and outlined plans to exit certain lower-return Medicare Advantage plans. Year-to-date performance has outpaced broader market benchmarks, supported by prior momentum, though recent weeks highlight sensitivity to earnings delivery and Star Ratings progress.
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Head-to-Head Comparison
CVS Health’s diversified business model contrasts with Humana’s insurance-centric approach, offering different exposure to retail pharmacy margins versus Medicare Advantage membership growth. Growth drivers for CVS include PBM scale and health services integration, while Humana benefits from Medicare enrollment trends and Star Ratings improvements. Recent momentum favors Humana’s year-to-date outperformance, though CVS demonstrates greater stability in defensive positioning. Risk factors include regulatory changes for both, with Humana facing additional medical cost and plan exit considerations. Sector exposure remains healthcare-focused, yet market sentiment reflects Humana’s earnings volatility versus CVS’s steadier operational narrative. Trade-offs center on growth potential versus diversification benefits.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings delivery, and relative positioning, Tickeron’s AI would currently assign a probabilistic edge to Humana (HUM) due to its stronger recent revenue momentum and year-to-date outperformance, tempered by post-earnings volatility. CVS Health (CVS) shows more consistent defensive characteristics that could appeal in risk-off environments. The assessment remains conditional on evolving catalysts and market conditions.
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.
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 Hold and HUM is a Hold.
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 2 FA rating(s) are green whileHUM’s FA Score has 2 green FA rating(s).
- CVS’s FA Score: 2 green, 3 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 5 TA indicator(s) are bullish while HUM’s TA Score has 5 bullish TA indicator(s).
- CVS’s TA Score: 5 bullish, 5 bearish.
- HUM’s TA Score: 5 bullish, 5 bearish.
Price Growth
CVS (@Managed Health Care) experienced а +1.53% price change this week, while HUM (@Managed Health Care) price change was +1.05% for the same time period.
The average weekly price growth across all stocks in the @Managed Health Care industry was +1.66%. For the same industry, the average monthly price growth was -6.66%, and the average quarterly price growth was +53.03%.
Reported Earning Dates
CVS is expected to report earnings on Nov 04, 2026.
HUM is expected to report earnings on Nov 06, 2026.
Industries' Descriptions
@Managed Health Care (+1.66% 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 | 124B | 46.7B | 266% |
| EBITDA | 11.1B | N/A | - |
| Gain YTD | 25.291 | 53.027 | 48% |
| P/E Ratio | 25.64 | 36.77 | 70% |
| Revenue | 408B | 146B | 279% |
| Total Cash | N/A | 23.9B | - |
| Total Debt | 78.3B | 14.2B | 551% |
CVS | HUM | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 62 | 72 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 2 Undervalued | 10 Undervalued | |
PROFIT vs RISK RATING 1..100 | 69 | 100 | |
SMR RATING 1..100 | 87 | 95 | |
PRICE GROWTH RATING 1..100 | 48 | 38 | |
P/E GROWTH RATING 1..100 | 21 | 12 | |
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 (2) in the Drugstore Chains industry is in the same range as HUM (10) 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 (95) in the Managed Health Care industry. This means that CVS’s stock grew similarly to HUM’s over the last 12 months.
HUM's Price Growth Rating (38) in the Managed Health Care industry is in the same range as CVS (48) in the Drugstore Chains industry. This means that HUM’s stock grew similarly to CVS’s over the last 12 months.
HUM's P/E Growth Rating (12) in the Managed Health Care industry is in the same range as CVS (21) in the Drugstore Chains industry. This means that HUM’s stock grew similarly to CVS’s over the last 12 months.
| CVS | HUM | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 66% | 2 days ago 66% |
| Stochastic ODDS (%) | 2 days ago 62% | 2 days ago 67% |
| Momentum ODDS (%) | 2 days ago 56% | 2 days ago 68% |
| MACD ODDS (%) | 2 days ago 55% | 2 days ago 67% |
| TrendWeek ODDS (%) | 2 days ago 64% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 55% | 2 days ago 67% |
| Advances ODDS (%) | 2 days ago 68% | 9 days ago 62% |
| Declines ODDS (%) | 5 days ago 58% | 20 days ago 66% |
| BollingerBands ODDS (%) | 2 days ago 69% | 2 days ago 66% |
| Aroon ODDS (%) | 2 days ago 73% | 2 days ago 61% |
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CVS and
Correlation & Price change
A.I.dvisor indicates that over the last year, CVS has been loosely correlated with UNH. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if CVS jumps, then UNH could also see price increases.
HUM and
Correlation & Price change
A.I.dvisor indicates that over the last year, HUM has been loosely correlated with UNH. These tickers have moved in lockstep 55% of the time. This A.I.-generated data suggests there is some statistical probability that if HUM jumps, then UNH could also see price increases.