Humana Analyzed: Breaking Down Louisville’s Office Market ‘The Humana Factor’
June 21, 2023
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As one of the leading insurers in the nation, the company has had a significant impact on Louisville’s office market. Breaking down the ‘Humana Factor’ is essential in understanding the dynamics of Louisville’s office market. What started as a small business selling health insurance plans soon turned into one of the largest health insurance companies in the United States. Over the years, Humana has been a major employer in Louisville and has helped shape the city’s office market. This sizeable footprint is largely due to the company’s decision to keep its headquarters in Louisville rather than move it to another city. The Humana Factor has also had an influential impact on Louisville’s real estate market and economy. Humana’s presence in Louisville has created an influx of jobs, resulting in an increase in demand for office space and housing.
In addition, the company has made numerous investments in local businesses and organizations, helping to stimulate the local economy. Humana Inc ($NYSE:HUM). has become a major factor in Louisville’s office market over the years, and its presence continues to be felt today. Understanding the role that the company plays in Louisville’s economy can help us gain insight into the dynamics of the city’s office market.
Price History
Humana Inc. is a leading health and wellness company based in Louisville, Kentucky. On Friday, the stock opened at $514.4 and closed at $520.8, up 1.1% from its previous closing price of $515.2. This increase in stock price has been attributed to the ‘Humana Factor’, which is the impact of the company’s presence in Louisville’s office market. This influx of office space has helped to fuel a demand for commercial real estate and office space in the city, and has allowed for a surge in rental prices as well as the amount of development happening in the area.
The company’s presence has also helped to create a more vibrant and diverse economic base in the city, as they employ and train individuals from a range of different backgrounds and disciplines. Overall, Humana Inc. has had a tremendous impact on Louisville’s office market, and the ‘Humana Factor’ is an important element to consider when analyzing the city’s real estate market. The company’s presence has helped to drive up rental prices and commercial development while creating new jobs and providing a diverse range of employment opportunities for workers in the area. Live Quote…
About the Company
Income Snapshot
Below shows the total revenue, net income and net margin for Humana Inc. More…
| Total Revenues | Net Income | Net Margin |
| 95.64k | 3.12k | 3.1% |
Cash Flow Snapshot
Below shows the cash from operations, investing and financing for Humana Inc. More…
| Operations | Investing | Financing |
| 10.97k | -1.65k | -451 |
Balance Sheet Snapshot
Below shows the total assets, liabilities and book value per share for Humana Inc. More…
| Total Assets | Total Liabilities | Book Value Per Share |
| 54.78k | 38.14k | 128.39 |
Key Ratios Snapshot
Some of the financial key ratios for Humana Inc are shown below. More…
| 3Y Rev Growth | 3Y Operating Profit Growth | Operating Margin |
| 12.2% | – | 4.6% |
| FCF Margin | ROE | ROA |
| 10.4% | 17.2% | 5.0% |
Analysis
At GoodWhale, we have completed an analysis of HUMANA INC‘s financials and are pleased to present our findings. Our Star Chart shows HUMANA INC to have a high health score of 8/10 with regard to its cashflows and debt, allowing it to safely ride out any crisis without the risk of bankruptcy. After assessing their performance, we have classified HUMANA INC as a ‘cheetah’, a type of company that has achieved high revenue or earnings growth but is considered less stable due to its lower profitability. Given HUMANA INC’s strong dividend, growth, and medium asset scores, we believe that investors who seek capital appreciation and a steady income stream may find HUMANA INC an attractive option. Despite its weak profitability score, HUMANA INC is still able to provide its investors with a decent level of return. Furthermore, given its solid cashflows and debt management, HUMANA INC is in a position to weather any foreseeable economic downturns without having to worry about insolvency. More…
Peers
In the ever-changing world of healthcare, Humana Inc. has been a leader in providing quality services to its customers. However, the company faces stiff competition from the likes of UnitedHealth Group Inc, Cigna Corp, and Oscar Health Inc. All of these companies are striving to provide the best possible healthcare experience to their customers.
– UnitedHealth Group Inc ($NYSE:UNH)
UnitedHealth Group Inc. is an American for-profit managed health care company based in Minnetonka, Minnesota. It is the largest healthcare company in the world by revenue, with 2019 revenue of $242.2 billion. The company offers health care products and services through two operating businesses: UnitedHealthcare and Optum.
UnitedHealthcare provides health benefits and services to individuals, families, and businesses through a wide array of plans and programs, including health insurance, pharmacy benefits, vision, dental, and other supplemental health and wellness benefits. Optum is a health services and innovation company that provides technology-enabled health services and software. It offers healthcare information technology, data analytics, and research and consulting services to the healthcare industry.
The company has a market capitalization of $488.16 billion as of April 2021 and a return on equity of 21.75%.
– Cigna Corp ($NYSE:CI)
Cigna Corp is a health services company with a market cap of 88.46 billion as of 2022. The company has a return on equity of 11.01%. Cigna Corp provides medical, dental, disability, life, and other health insurance products and services. The company also offers pharmacy benefit management services.
– Oscar Health Inc ($NYSE:OSCR)
Oscar Health is a technology-driven health insurance company founded in 2012. The company’s mission is to make health insurance simple, transparent, and human.
Oscar uses technology to simplify the health insurance experience for consumers and providers. The company has a suite of tools that helps consumers understand their benefits, find doctors, and estimate the cost of care. For providers, Oscar offers a platform that streamlines claims processing and provides real-time insights into patients’ health insurance benefits.
Oscar Health is headquartered in New York City and is available in nine states: California, Colorado, Florida, Georgia, Illinois, Michigan, New Jersey, New York, and Texas.
Summary
Humana Inc is a health care giant based in Louisville, Kentucky. It is one of the leading providers of Medicare Advantage plans in the United States. As an investor, one should be aware of the company’s potential for growth and future success. Through an analysis of the company’s financials, business operations, competitive landscape, and outlook, it is possible to gain insight into the potential of investing in Humana Inc. The company’s balance sheet shows a strong financial position with minimal debt and robust cash flow levels. Its operating segments consist of Retail, Employer Group, Government, International and Clinical.
Humana has achieved competitive advantages through its network contracts with providers, its ability to efficiently process claims, and its focus on providing quality service to customers. It also benefits from strong relationships with major employers and government programs. Lastly, Humana’s outlook looks promising as the company continues to build its presence and diversify its offerings.
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