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ELV vs HUM
Which Stock Would AI Choose? Elevance Health (ELV) vs. Humana (HUM) Stock Comparison
Key Takeaways
- Tickeron AI Verdict: HUM currently holds the edge on the strength of a decisive Medicare Advantage star-ratings catalyst and superior recent momentum, though ELV offers greater diversification and stability.
- ELV raised its 2026 adjusted earnings guidance and signaled at least 12% earnings-per-share (EPS) growth for 2027, supported by its diversified Health Benefits and Carelon segments.
- HUM surged after reporting that 95% of its Medicare Advantage members are now in plans rated four stars or higher, a turnaround from roughly 20% a year earlier.
- Explore further with ELV Major News and ELV Today's Price Move, as well as HUM Major News and HUM Today's Price Move.
- For broader automated insights, explore Trending AI Robots to see curated trading strategies matched to current market conditions.
Introduction
Elevance Health (ELV) and Humana (HUM) are two of the largest U.S. managed-care and health-insurance companies, yet they occupy notably different positions within the sector. This stock comparison is relevant for investors weighing a diversified, multi-line insurer against a company heavily concentrated in Medicare Advantage (the private-plan alternative to traditional Medicare). Recent market activity has pushed both names into focus for different reasons: ELV has demonstrated steady execution and rising guidance, while HUM has delivered a sharp, catalyst-driven rally. Traders and long-term investors alike may find value in understanding how these contrasting profiles translate into relative performance and market positioning.
ELV Overview and Recent Performance
Elevance Health, formerly Anthem, is a diversified health-benefits organization operating Blue Cross Blue Shield plans across multiple states. Its business spans commercial, Medicaid, Medicare, and Affordable Care Act (ACA) insurance, alongside Carelon, a fast-growing services arm that includes pharmacy (CarelonRx), behavioral health, and care-delivery solutions. This breadth reduces dependence on any single government program.
In recent weeks, ELV reported third-quarter results that beat expectations, with adjusted EPS of $6.99 and operating revenue of about $50.4 billion. Management raised its full-year adjusted EPS guidance to at least $29.00 and established a higher earnings baseline, projecting at least 12% adjusted EPS growth in 2027. The benefit expense ratio — the share of premiums spent on medical care — improved to 90.6%. Despite a modest decline in total medical membership to roughly 44.9 million, the stock has traded near 52-week highs, reflecting investor confidence in margin recovery, particularly in Medicaid, and continued Carelon expansion.
HUM Overview and Recent Performance
Humana is one of the nation's leading Medicare Advantage insurers, with the bulk of its revenue tied to government-sponsored senior health coverage. It also operates CenterWell, an integrated care-delivery platform spanning primary care, pharmacy, and home health. This concentration makes HUM especially sensitive to regulatory decisions such as Medicare reimbursement rates and the Centers for Medicare & Medicaid Services (CMS) Star Ratings, which determine quality-bonus payments.
The defining development of the recent period was a sharp improvement in those Star Ratings. HUM announced that 95% of its Medicare Advantage members are now enrolled in plans rated four stars or higher for 2027, up from roughly 20% for 2026, after its largest contract recovered from 3.5 to 4 stars. The stock surged on the news, reflecting renewed expectations for quality-bonus revenue — though those payments are not recognized until 2028. HUM has also affirmed its 2026 adjusted EPS guidance of at least $9.00, even as its current-year results remain constrained by the prior ratings headwind.
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Head-to-Head Comparison
The clearest contrast between these two stocks is diversification versus concentration. ELV's multi-line model — combining commercial, Medicaid, Medicare, and ACA coverage with its Carelon services business — provides a more balanced revenue base and generally smoother earnings. HUM, by contrast, derives most of its value from Medicare Advantage, making it more leveraged to a single set of government policies and quality metrics.
Growth drivers also differ. ELV's story centers on Medicaid margin recovery, disciplined Medicare Advantage repositioning, and Carelon's expansion into external clients and value-based care. HUM's narrative is anchored in its Star Ratings recovery and CenterWell's rapid growth, with revenue up nearly 20% year over year in recent quarters. On momentum, HUM has outperformed significantly, gaining roughly 50% year to date versus more modest gains for ELV. However, HUM's elevated valuation — reflected in a trailing price-to-earnings (P/E) ratio near 40 — prices in a recovery that will not reach the income statement until 2028, whereas ELV trades at a more conservative multiple with near-term earnings growth already underway. Risk factors include medical-cost trends and government reimbursement for both, but HUM carries added concentration risk tied to a single program.
Tickeron AI Verdict
Weighing observable factors, Tickeron's AI would likely favor HUM over ELV in the current environment, primarily on the strength of trend consistency in momentum and a decisive, forward-looking catalyst. The Star Ratings recovery represents a measurable shift in HUM's structural earnings potential, and the stock's sustained relative strength suggests the market is responding to durable improvement rather than transient sentiment. That said, the verdict carries meaningful uncertainty: HUM's richer valuation and the delayed timing of its bonus revenue introduce downside risk if execution or policy conditions shift. ELV, with its greater stability, diversified cash flows, and already-raised guidance, remains the more defensively positioned alternative. The choice ultimately reflects a trade-off between ELV's steadier compounding and HUM's higher-momentum, catalyst-driven upside.
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 ELV is a StrongBuy and HUM is a StrongBuy.
ELV in upward trend: 10-day moving average broke above 50-day moving average on October 13, 2026
The 10-day moving average for ELV crossed bullishly above the 50-day moving average on October 13, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 10 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 67%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 37 of 64 cases where ELV's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 58%.
The Momentum Indicator moved above the 0 level on November 10, 2026. You may want to consider a long position or call options on ELV as a result. In 62 of 99 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 63%.
Following a +4.98% 3-day Advance, the price is estimated to grow further. Considering data from situations where ELV advanced for three days, in 183 of 319 cases, the price rose further within the following month. The odds of a continued upward trend are 57%.
The Aroon Indicator entered an Uptrend today. In 144 of 251 cases where ELV Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 57%.
Bearish Trend Analysis
The 10-day RSI Indicator for ELV moved out of overbought territory on October 23, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 28 similar instances where the indicator moved out of overbought territory. In 20 of the 28 cases, the stock moved lower in the following days. This puts the odds of a move lower at 71%.
The Moving Average Convergence Divergence Histogram (MACD) for ELV turned negative on October 28, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 51 similar instances when the indicator turned negative. In 26 of the 51 cases the stock turned lower in the days that followed. This puts the odds of success at 51%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ELV declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 58%.
ELV broke above its upper Bollinger Band on October 09, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron PE Growth Rating for this company is 9 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 29 (best 1 - 100 worst), indicating outstanding price growth. ELV’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 64 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (2.057) is normal, around the industry mean (3.520). P/E Ratio (18.775) is within average values for comparable stocks, (126.353). ELV's Projected Growth (PEG Ratio) (1.291) is slightly higher than the industry average of (0.786). Dividend Yield (0.016) settles around the average of (0.009) among similar stocks. P/S Ratio (0.453) is also within normal values, averaging (0.569).
The Tickeron Profit vs. Risk Rating rating for this company is 82 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. ELV’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 84, placing this stock better than average.
The Tickeron SMR rating for this company is 99 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
Momentum Indicator for HUM turns positive, indicating new upward trend
HUM saw its Momentum Indicator move above the 0 level on November 06, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 78 similar instances where the indicator turned positive. In 54 of the 78 cases, the stock moved higher in the following days. The odds of a move higher are at 69%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Moving Average Convergence Divergence (MACD) for HUM just turned positive on November 10, 2026. Looking at past instances where HUM's MACD turned positive, the stock continued to rise in 34 of 50 cases over the following month. The odds of a continued upward trend are 68%.
Following a +5.46% 3-day Advance, the price is estimated to grow further. Considering data from situations where HUM advanced for three days, in 223 of 349 cases, the price rose further within the following month. The odds of a continued upward trend are 64%.
Bearish Trend Analysis
The 10-day RSI Indicator for HUM moved out of overbought territory on October 13, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 31 similar instances where the indicator moved out of overbought territory. In 21 of the 31 cases, the stock moved lower in the following days. This puts the odds of a move lower at 68%.
The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where HUM declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 65%.
HUM broke above its upper Bollinger Band on November 10, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron PE Growth Rating for this company is 6 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 8 (best 1 - 100 worst), indicating outstanding price growth. HUM’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 82 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (2.711) is normal, around the industry mean (3.520). P/E Ratio (40.612) is within average values for comparable stocks, (126.353). HUM's Projected Growth (PEG Ratio) (1.304) is slightly higher than the industry average of (0.786). Dividend Yield (0.008) settles around the average of (0.009) among similar stocks. P/S Ratio (0.319) is also within normal values, averaging (0.569).
The Tickeron Profit vs. Risk Rating rating for this company is 93 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. HUM’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 84, placing this stock worse than average.
The Tickeron SMR rating for this company is 98 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
ELV | HUM | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 65 | 71 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 64 Fair valued | 82 Overvalued | |
PROFIT vs RISK RATING 1..100 | 82 | 93 | |
SMR RATING 1..100 | 99 | 98 | |
PRICE GROWTH RATING 1..100 | 29 | 8 | |
P/E GROWTH RATING 1..100 | 9 | 6 | |
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.
ELV's Valuation (64) in the Managed Health Care industry is in the same range as HUM (82). This means that ELV’s stock grew similarly to HUM’s over the last 12 months.
ELV's Profit vs Risk Rating (82) in the Managed Health Care industry is in the same range as HUM (93). This means that ELV’s stock grew similarly to HUM’s over the last 12 months.
HUM's SMR Rating (98) in the Managed Health Care industry is in the same range as ELV (99). This means that HUM’s stock grew similarly to ELV’s over the last 12 months.
HUM's Price Growth Rating (8) in the Managed Health Care industry is in the same range as ELV (29). This means that HUM’s stock grew similarly to ELV’s over the last 12 months.
HUM's P/E Growth Rating (6) in the Managed Health Care industry is in the same range as ELV (9). This means that HUM’s stock grew similarly to ELV’s over the last 12 months.
| ELV | HUM | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 71% | 2 days ago 68% |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 74% |
| Momentum ODDS (%) | 2 days ago 63% | 2 days ago 69% |
| MACD ODDS (%) | 2 days ago 51% | 2 days ago 68% |
| TrendWeek ODDS (%) | 2 days ago 59% | 2 days ago 64% |
| TrendMonth ODDS (%) | 2 days ago 54% | 2 days ago 65% |
| Advances ODDS (%) | 9 days ago 57% | 2 days ago 64% |
| Declines ODDS (%) | 4 days ago 58% | 8 days ago 65% |
| BollingerBands ODDS (%) | 3 days ago 57% | 2 days ago 67% |
| Aroon ODDS (%) | 2 days ago 57% | N/A |
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 overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
ELV’s FA Score shows that 2 FA rating(s) are green while HUM’s FA Score has 2 green FA rating(s).
- ELV’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.
ELV’s TA Score shows that 5 TA indicator(s) are bullish while HUM’s TA Score has 3 bullish TA indicator(s).
- ELV’s TA Score: 5 bullish, 4 bearish.
- HUM’s TA Score: 3 bullish, 4 bearish.
Price Growth
ELV (@Managed Health Care) experienced а -1.08% price change this week, while HUM (@Managed Health Care) price change was +6.92% for the same time period.
The average weekly price growth across all stocks in the @Managed Health Care industry was +1.93%. For the same industry, the average monthly price growth was +4.07%, and the average quarterly price growth was +16.14%.
Reported Earning Dates
ELV is expected to report earnings on Jan 27, 2027.
HUM is expected to report earnings on Feb 03, 2027.
Industries' Descriptions
@Managed Health Care (+1.93% 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.
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ELV and
Correlation & Price change
A.I.dvisor indicates that over the last year, ELV has been closely correlated with UNH. These tickers have moved in lockstep 66% of the time. This A.I.-generated data suggests there is a high statistical probability that if ELV 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 closely correlated with UNH. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if HUM jumps, then UNH could also see price increases.