HUM
Humana Inc.
HUM has lower modeled downside risk, despite its lower overall score.
OSCR
Oscar Health, Inc.
OSCR has the edge over HUM overall, supported by stronger valuation and stronger fundamentals.
HUM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Stable | |
| Under pressure | |
| Stable |
HUM's revenue is currently healthy, and its profitability and balance sheet are stable, but its cash flow is under pressure.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR's revenue, profitability, cash flow and balance sheet are all currently healthy.
HUM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 17x | $171 | -62% |
| Fair | 20x | $205 | -54% |
| Expensive | 24x | $251 | -43% |
| Forward | 26x | $444 | — |
| Current | 43x | $444 | — |
Historical ranges are pointers, not guarantees.
HUM's PE is in its expensive range at 43x. If earnings grow as analysts expect, today's price would be 26x next year's earnings.
OSCR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 12x | $31.94 | — |
| Current | 13x | $31.94 | — |
| Cheap | 21x | $52.73 | +65% |
| Fair | 35x | $87.23 | +173% |
| Expensive | 130x | $322 | +907% |
Historical ranges are pointers, not guarantees.
OSCR has the edge over HUM in the historical PE scenario, which offers more potential upside but is not a forecast.
HUM Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Stable | |
| Moderate | |
| Low |
Analysts expect earnings and revenue growth for HUM, with profitability holding steady. However, they disagree widely on these estimates.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
OSCR has the edge over HUM on the outlook, with more favorable profitability expectations.
HUM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $17.03 | +65% |
| Q3 2026 | $10.29 | -3.8% |
| Q2 2026 | $10.58 | -19% |
| Q1 2026 | $9.37 | -34% |
| Q4 2025 | $9.84 | -1.4% |
| Q3 2025 | $10.70 | -6.7% |
| Q2 2025 | $13.06 | -8% |
| Q1 2025 | $14.17 | -13% |
| Q4 2024 | $9.98 | -50% |
HUM's earnings per share have fallen from their peak: $10.29 over the past year, against $31.20 in late 2020.
OSCR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.61 | +5.6% |
| Q3 2026 | $2.47 | +$3.47 |
| Q2 2026 | $1.45 | +$2.14 |
| Q1 2026 | -$0.54 | -235% |
| Q4 2025 | -$1.69 | -1790% |
| Q3 2025 | -$1.00 | -$0.92 |
| Q2 2025 | -$0.69 | -$0.54 |
| Q1 2025 | $0.40 | +$0.82 |
| Q4 2024 | $0.10 | +$1.32 |
OSCR has the edge over HUM on earnings, with more consistent year-over-year improvement.
HUM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $41.2B | +26% |
| Q2 2026 | $40.9B | +26% |
| Q1 2026 | $39.6B | +23% |
| Q4 2025 | $32.5B | +11% |
| Q3 2025 | $32.6B | +11% |
| Q2 2025 | $32.4B | +9.6% |
| Q1 2025 | $32.1B | +8.4% |
| Q4 2024 | $29.2B | +10% |
HUM's revenue has grown year over year every quarter since late 2020: $41.2B last quarter, up 26% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.2% | -1.1 points |
| Q2 2026 | 3.3% | -0.1 points |
| Q1 2026 | 4.4% | -1.8 points |
| Q4 2025 | -2.5% | -0.6 points |
| Q3 2025 | 1.2% | -1.3 points |
| Q2 2025 | 3.4% | -0.5 points |
| Q1 2025 | 6.3% | +2.1 points |
| Q4 2024 | -1.9% | -0.5 points |
HUM's operating margin was 0.2% last quarter, down 1.1 points from the same quarter a year ago.
OSCR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $5.1B | +72% |
| Q2 2026 | $4.9B | +70% |
| Q1 2026 | $4.6B | +53% |
| Q4 2025 | $2.8B | +17% |
| Q3 2025 | $3B | +23% |
| Q2 2025 | $2.9B | +29% |
| Q1 2025 | $3B | +42% |
| Q4 2024 | $2.4B | +67% |
OSCR has the edge over HUM on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 3.5% | +7.8 points |
| Q2 2026 | 8% | +16 points |
| Q1 2026 | 15% | +5.4 points |
| Q4 2025 | -12% | -5.7 points |
| Q3 2025 | -4.3% | -2.3 points |
| Q2 2025 | -8.1% | -11 points |
| Q1 2025 | 9.8% | +1.1 points |
| Q4 2024 | -6.2% | +4 points |
OSCR has the edge over HUM on profitability, with a higher operating margin.
HUM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2B | +142% |
| Q2 2026 | -$558M | -148% |
| Q1 2026 | $1.1B | +380% |
| Q4 2025 | -$1.9B | -$1.2B |
| Q3 2025 | $836M | -52% |
| Q2 2025 | $1.2B | +5.3% |
| Q1 2025 | $236M | -4.1% |
| Q4 2024 | -$682M | +$6.7B |
HUM still generates free cash flow, though less than at its 2022 peak: $747M over the past year.
OSCR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.2B | -$238.2M |
| Q2 2026 | $2.1B | +316% |
| Q1 2026 | $2.6B | +200% |
| Q4 2025 | $662.8M | +95% |
| Q3 2025 | -$973.7M | -$466M |
| Q2 2025 | $499.8M | +2.1% |
| Q1 2025 | $869.5M | +38% |
| Q4 2024 | $340M | +17% |
OSCR has the edge over HUM on cash flow, with more consistent year-over-year improvement.
HUM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.8% | +935K shares |
| 1 year | +0.9% | +1.1M shares |
| 3 years | -1.7% | -2.2M shares |
| 5 years | -5.7% | -7.4M shares |
| Available history | -9.6% | -12.9M shares |
HUM has the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2M |
| Q2 2026 | $1M |
| Q1 2026 | $107M |
| Q4 2025 | $42M |
| Q3 2025 | — |
| Q2 2025 | $100M |
| Q1 2025 | $9M |
| Q4 2024 | $49M |
HUM spent $152M buying back its own shares over the past year, down 3.8% from the year before.
OSCR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.9% | +13M shares |
| 1 year | +34% | +87.2M shares |
| 3 years | +55% | +123M shares |
| 5 years | +66% | +138M shares |
| Available history | +71% | +143M shares |
OSCR has 346M diluted shares, up 34% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
HUM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.0x | Healthy |
| Q2 2026 | 2.3x | Moderate |
| Q1 2026 | 2.9x | Moderate |
| Q4 2025 | 2.4x | Moderate |
| Q3 2025 | 2.0x | Healthy |
| Q2 2025 | 2.1x | Moderate |
| Q1 2025 | 2.2x | Moderate |
| Q4 2024 | 2.8x | Moderate |
HUM's net debt is about 2.0 years of its operating earnings (EBITDA), about the same as a year ago.
OSCR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -4.2x | Net Cash |
| Q2 2026 | -5.5x | Net Cash |
| Q1 2026 | -110.0x | Net Cash |
| Q1 2025 | -9.7x | Net Cash |
| Q4 2024 | -13.7x | Net Cash |
| Q3 2024 | -10.1x | Net Cash |
| Q2 2024 | -24.0x | Net Cash |
| Q1 2024 | -217.7x | Net Cash |
OSCR has the edge over HUM on leverage, with a lower net debt burden relative to earnings.
HUM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.9 | Neutral |
| Stochastic | 74.1 | Neutral |
HUM's weekly RSI is 67 (neutral) and its Stochastic is 74 (neutral).
OSCR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.7 | Neutral |
| Stochastic | 44.9 | Neutral |
OSCR's weekly RSI is 59 (neutral) and its Stochastic is 45 (neutral).
HUM PE vs Healthcare Sector
| Metric | HUM | Sector median | Relative |
|---|---|---|---|
| PE | 43x | 26x | 67% above |
| PE % | 100 | 29 | 71 pts above |
HUM is trading at 43x earnings, a 67% premium to the Healthcare sector's median of 26x.
OSCR PE vs Healthcare Sector
| Metric | OSCR | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 26x | 50% below |
| PE % | 3 | 35 | 32 pts below |
OSCR has the edge over HUM on valuation relative to its sector.
HUM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $418.2 | 6.1% above |
| 20 week MA | $401.2 | 11% above |
| 50 week MA | $309.6 | 43% above |
| 100 week MA | $285.0 | 56% above |
| 200 week MA | $349.2 | 27% above |
HUM has climbed back above all five of its weekly moving averages, and it's now 27% above its 200-week average.
OSCR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $31.2 | 2.3% above |
| 20 week MA | $31.1 | 2.8% above |
| 50 week MA | $22.9 | 39% above |
| 100 week MA | $19.3 | 65% above |
| 200 week MA | $15.5 | 106% above |
OSCR is in an uptrend: it's above all five of its weekly moving averages, and 106% above its 200-week average.
HUM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $371.0 | $404.8 | +9.1% |
| 2021 | $404.8 | $460.5 | +14% |
| 2022 | $460.5 | $514.0 | +12% |
| 2023 | $514.0 | $457.8 | -11% |
| 2024 | $457.8 | $255.6 | -44% |
| 2025 | $255.6 | $258.8 | +1.2% |
| 2026 YTD | $258.8 | $443.7 | +71% |
HUM has finished higher in four of the last six years. It's up 71% so far in 2026.
OSCR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $31.0 | $8.02 | -74% |
| 2022 | $8.02 | $2.21 | -72% |
| 2023 | $2.21 | $9.15 | +314% |
| 2024 | $9.15 | $13.8 | +51% |
| 2025 | $13.8 | $14.9 | +8% |
| 2026 YTD | $14.9 | $31.9 | +114% |
OSCR has the edge over HUM on returns for 2026, with the stronger performance.