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Elevance Health vs Humana
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ELV vs HUM: the verdict
How ELV and HUM compare today, and what CleaRank Financial AI makes of it.
The verdict
CleaRank Financial AI favours
ELV
ELV
HUM
77/100
AI score
73/100
+26.0%
1-year change
+43.5%
23.5%
Volatility (30d, yearly)
49.9%
58.8
RSI (14-day)
54.0
18.3x
P/E ratio
39.4x
1.59%
Dividend yield
0.85%
The verdict
Elevance Health, Inc. (ELV) ranks ahead on CleaRank's model, with a score of 77/100 (Buy) to Humana Inc.'s 73/100 (Buy) for HUM. Valuation accounts for the widest gap. ELV's P/E of 18.32 sits 42.6% below the sector median, which marks it as a discount to peers, and its P/S of 0.46 is 86.5% below the sector median. HUM's P/E of 39.43 is 23.6% above the sector median, a premium to peers.
Key difference
ELV also has the edge on profitability. Its return on equity of 11.48% sits above the sector median.
Outlook
ELV's uptrend holds while it stays above its 50-day average at $408.67 and its 200-day at $371.42. HUM's uptrend holds while it stays above its 50-day average at $398.35 and its 200-day at $305.55.
Price, side by side
Both prices start at 0% on the first day of the period you pick, so the moves compare directly.
Rebased price
-5%0%+5%+10%+8.9%+4.8%
Oct '26
-5%0%+5%+10%+15%+14%+9.5%
Aug '26Sep '26Oct '26
0%+20%+40%+60%+80%+100%+87%+21%
May '26Jun '26Jul '26Aug '26Sep '26Oct '26
-40%-20%0%+20%+40%+44%+26%
Nov '25Jan '26Mar '26Jun '26Aug '26Oct '26
-40%-20%0%+20%+19%-21%
Sep '24Feb '25Jul '25Dec '25May '26Oct '26
Over 1 year: ELV gained 26.0% and HUM gained 43.5%, a gap of 17.6 points in HUM's favour.
Valuation and profitability
What each costs relative to its earnings and sales, and how much of its revenue it keeps.
Side by side
Valuation
Lower multiples mean you pay less for each dollar of earnings or sales.
ELV
HUM
$93.5B
Market cap
$50.1B
18.3x
P/E ratio
39.4x
0.5x
Price / sales
0.3x
2.1x
Price / book
2.6x
10.1x
EV / EBITDA
11.6x
Profitability
How much of each dollar of revenue becomes profit, and how hard the capital works.
ELV
HUM
+1.4%
Revenue growth (quarter, y/y)
+26.2%
2.5%
Net margin
0.9%
11.5%
Return on equity
6.9%
4.0%
Return on assets
3.9%
0.69
Debt / equity
0.76
On valuation
HUM trades on the higher trailing P/E, 39.43 against 18.32 for ELV. Against a Healthcare median of 31.9, ELV's P/E is at a discount to peers and HUM's is at a premium to peers. On sales, ELV is valued higher, at 0.46 times against 0.34. ELV is the larger company, worth $93.5B against $50.1B.
On profitability
ELV keeps more of its sales as profit, with a net margin of 2.55% against 0.88%. ELV also earns the higher return on equity, 11.48% against 6.89%. In the latest quarter, year on year, revenue grew 1.40% at ELV and grew 26.18% at HUM. ELV has a trailing dividend yield of 1.59%. HUM has a trailing dividend yield of 0.85%.
Earnings reality check
ELV
ELV beat the estimate in 5 of its last 7 reports (latest Oct '26); the shares fell the next session after 2 of those beats.
Surprise
Next session
Jan '25Jul '25Apr '26Oct '26
HUM
HUM beat the estimate in 7 of its last 8 reports (latest Jul '26); the shares fell the next session after 5 of those beats.
Surprise
Next session
Feb '25Jul '25Feb '26Jul '26
Momentum and sentiment
The indicators behind each AI score, side by side.
Indicators side by side
ELV
HUM
77/100
AI score
73/100
58.8
RSI (14-day)
54.0
+5.5%
Price against 50-day average
+4.7%
+16.1%
Price against 200-day average
+36.5%
Technicals
ELV is in an uptrend, trading 5.54% above its 50-day average and 16.13% above its 200-day average. Its 14-day RSI is 58.8, in the neutral zone, with the MACD line positive. HUM is in an uptrend, trading 4.74% above its 50-day average and 36.55% above its 200-day average. Its 14-day RSI is 54.0, in the neutral zone, with the MACD line positive. ELV sits higher in its 52-week range, at 89% against 87% for HUM.
Sentiment
Of the 22 analysts covering ELV, 14 rate it buy, 8 hold and 0 sell; their median target is $463.00, 7.3% above the price. Of the 26 analysts covering HUM, 16 rate it buy, 9 hold and 1 sell; their median target is $473.00, 13.4% above the price.
Risk and practical tips
How much each moves, how much return each has paid for that risk, and what to watch if you hold either.
Risk measures
ELV
HUM
23.5%
Volatility (30d, yearly)
49.9%
0.71
Beta against the S&P 500
0.74
-0.26
Sharpe ratio
0.31
Risk
HUM moves more on an average day, 2.97% against 1.37% for ELV. Against the S&P 500, ELV has a beta of 0.71 and HUM 0.74. Their worst falls in the price history were 48.3% for ELV (August 2024 to July 2025) and 69.6% for HUM (November 2022 to March 2026). On these measures together, HUM is the riskier of the two.
ProTips
- For ELV, watch the 52-week high at $450.69 above the price and the 20-day EMA at $422.54 below it.
- For HUM, watch the 52-week high at $456.50 above the price and the 20-day EMA at $413.07 below it.
ELV vs HUM: long-term scenarios
Simulated paths from each price history. A range of outcomes, not a forecast.
Simulated growth of $10,000
$20K$40K$60K$80K$85.7K$82.8K$23.2K$20.5K
202620282030203220342036
ELV
HUM
$6,517
Downside, 2036 (10th)
$4,900
$23,233
Base case, 2036 (median)
$20,489
$82,830
Upside, 2036 (90th)
$85,681
In the median simulated path, $10,000 in ELV grows to about $23,200 and $10,000 in HUM to about $20,500 by 2036. The paths come from each asset's own historical volatility and trend; they are statistical outcomes, not forecasts.
Trade plans for both
Entry, stop and target levels from each moving average and its volatility. Educational, not advice.
Actionable Trade Plans
Select Your Trade Bias
Risk Tolerance
Conservative
3%
Aggressive
Portfolio Value
$
✎
Position Size: $200 - $300 per asset
ELV
Current: $431.32
ENTRY ZONES
Conservative
$409.75
Aggressive
$431.32
RISK MANAGEMENT
STOP LOSS
$397.46
MAX LOSS
-3%
Volatility-Adjusted Stop Loss
Calculated based on volatility and technical support levels.
Profit Targets (Based on Conservative)
+5% from current
$452.89
+10% from current
$474.45
+15% from current
$496.02
HUM
Current: $417.22
ENTRY ZONES
Conservative
$396.36
Aggressive
$417.22
RISK MANAGEMENT
STOP LOSS
$384.47
MAX LOSS
-3%
Volatility-Adjusted Stop Loss
Calculated based on volatility and technical support levels.
Profit Targets (Based on Conservative)
+5% from current
$438.08
+10% from current
$458.94
+15% from current
$479.80
Calculate Your Trade
Disclaimer
The content is for educational purposes only. HUM is the more volatile asset here, and volatile prices can move sharply in either direction. Trading involves risk of loss. Note: The AI favored ELV based on relative valuation, on today's data.
ELV vs HUM: questions people ask
Answered from the figures on this page.
Frequently Asked Questions
Which is better, ELV or HUM?+
On CleaRank's model ELV scores higher, 77/100 (Buy) against 73/100 (Buy) for HUM. This describes the data on this page and is not a personal recommendation.
Which has performed better over the past year, ELV or HUM?+
HUM has done better: its price rose 43.55% over the past year, while ELV rose 25.99%.
Which is cheaper on earnings, ELV or HUM?+
ELV has the lower trailing P/E, at 18.32 compared with 39.43 for HUM.
Which pays more income, ELV or HUM?+
ELV has the higher yield, at 1.59% against 0.85% for HUM. A yield is the payout divided by the price, so it moves whenever either of those changes.
Which is riskier, ELV or HUM?+
HUM is the riskier of the two on the measures we track. Average daily move: 1.37% for ELV, 2.97% for HUM. Beta against the S&P 500: 0.71 for ELV, 0.74 for HUM. Worst fall in the price history: 48.3% for ELV, 69.6% for HUM.
Which has stronger momentum right now, ELV or HUM?+
ELV has the higher 14-day RSI, 58.8 (neutral) against 54.0 (neutral) for HUM. Both MACD lines are positive. Readings above 70 or below 30 mark stretched momentum.
Which is the bigger company, ELV or HUM?+
ELV is the larger company, with a market value of $93.5B, while HUM's is $50.1B.
What do analysts say about ELV and HUM?+
ELV has 14 buy ratings out of 22, and its median target is 7.3% above the price. HUM has 16 buy ratings out of 26, and its median target is 13.4% above the price.
How would $10,000 have grown in ELV or HUM?+
Invested in October 2016, $10,000 would be worth $40,060 today in ELV and $26,022 in HUM.