{
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 "@type": "clearank:AssetComparison",
 "url": "https://clearank.com/compare/elv-vs-hum/",
 "dataUrl": "https://clearank.com/compare/elv-vs-hum/data.json",
 "title": "ELV vs HUM: Which Is the Better Buy? (2026)",
 "description": "ELV or HUM? Compare ELV vs HUM, daily AI-powered analysis with technical indicators, price targets, valuation, and a head-to-head verdict.",
 "headline": "Elevance Health vs Humana",
 "published": "2026-07-10T17:03:08+00:00",
 "modified": "2026-09-11T15:28:19.3+00:00",
 "generated": "2026-09-11T20:40:25.698Z",
 "language": "en-US",
 "publisher": {
  "name": "CleaRank",
  "url": "https://clearank.com/"
 },
 "disclaimer": "Educational and informational only; not financial advice. AI-generated analysis reviewed by the CleaRank editorial team; prices delayed up to 15 minutes.",
 "assets": [
  {
   "ticker": "ELV",
   "dataUrl": "https://clearank.com/stock/elv-stock-analysis/data.json"
  },
  {
   "ticker": "HUM",
   "dataUrl": "https://clearank.com/stock/hum-stock-analysis/data.json"
  }
 ],
 "sections": [
  {
   "id": "verdict",
   "title": "Comparative Analysis",
   "text": [
    "ELV wins this head-to-head comparison against HUM, primarily driven by its superior profitability and more consistent earnings performance. While both companies operate in the healthcare sector, ELV demonstrates a stronger financial foundation with significantly higher net profit and return on equity margins. HUM shows impressive revenue growth, but its profitability lags considerably, making ELV the more attractive investment for a risk-averse, profit-focused investor. ELV's valuation is also more reasonable given its profitability metrics. ELV's consistent ability to beat earnings estimates, coupled with a higher median analyst target price, further solidifies its position as the preferred asset. HUM's growth story is compelling, but its current financial health and profitability profile present a higher risk for investors seeking stable returns. Therefore, ELV is the recommended choice for its demonstrated financial strength and consistent performance.",
    "The decisive factor favoring ELV is its superior profitability and more consistent earnings delivery. ELV consistently achieves higher net profit margins and return on equity, demonstrating a more efficient and financially sound business model compared to HUM. This profitability advantage, combined with a more attractive valuation and stronger analyst consensus, makes ELV the more compelling investment.",
    "The outlook for ELV appears positive, supported by its strong profitability, consistent earnings performance, and favorable analyst ratings. Its current technicals suggest continued upward momentum, though it is approaching overbought levels. A potential scenario involves ELV continuing its upward trend towards its median analyst target of $457, driven by solid execution and favorable sector trends. HUM's outlook is more mixed, hinging heavily on its ability to maintain its high revenue growth. While its technicals are strong, its high valuation and lower profitability present a riskier profile. A scenario for HUM could involve continued price appreciation if growth accelerates, but a significant risk exists if growth falters, potentially leading to a valuation multiple contraction and price decline."
   ]
  },
  {
   "id": "price",
   "title": "Price Analysis Comparison"
  },
  {
   "id": "valuation",
   "title": "Valuation Metrics",
   "text": [
    "ELV trades at a P/E ratio of 17.55, which is substantially lower than HUM's P/E of 38.17, indicating a more attractive valuation for ELV on a price-to-earnings basis. ELV's market capitalization stands at $90.33 billion, considerably larger than HUM's $48.12 billion. Despite its larger size, ELV's revenue growth of 1.4% is modest compared to HUM's robust 26.2% growth. However, ELV's lower P/E ratio suggests that investors are paying less for each dollar of ELV's earnings compared to HUM, making ELV appear undervalued relative to its earnings power. While HUM's high revenue growth is a positive indicator for future potential, its current valuation appears stretched when considering its profitability. ELV, on the other hand, offers a more balanced profile with a reasonable valuation supported by stronger profitability metrics. The significant difference in P/E ratios suggests that ELV presents a better value proposition for investors prioritizing earnings multiples."
   ],
   "tables": [
    {
     "caption": "Valuation Metrics: ELV vs HUM",
     "columns": [
      "Metric",
      "ELV",
      "HUM"
     ],
     "rows": [
      {
       "label": "P/E Ratio",
       "cells": [
        "17.55",
        "38.17"
       ]
      },
      {
       "label": "Market Cap",
       "cells": [
        "90.33B",
        "48.12B"
       ]
      },
      {
       "label": "Price/Sales",
       "cells": [
        "0.45",
        "0.33"
       ]
      },
      {
       "label": "Price/Book",
       "cells": [
        "2.01",
        "2.50"
       ]
      },
      {
       "label": "EV/EBITDA",
       "cells": [
        "10.09",
        "10.84"
       ]
      },
      {
       "label": "Dividend Yield",
       "cells": [
        "N/A",
        "N/A"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "profitability",
   "title": "Profitability & Efficiency",
   "text": [
    "This indicates that ELV is much more effective at converting revenue into profit. Furthermore, ELV's return on equity (ROE) stands at 11.13%, substantially higher than HUM's 6.89%, signifying better efficiency in generating profits from shareholder investments. ELV also shows a slightly better return on assets (ROA) at 3.83% compared to HUM's 3.9%, though this metric is closer between the two. The stark difference in net profit margin and ROE clearly positions ELV as the more profitable and financially efficient company."
   ],
   "tables": [
    {
     "caption": "Profitability & Efficiency: ELV vs HUM",
     "columns": [
      "Metric",
      "ELV",
      "HUM"
     ],
     "rows": [
      {
       "label": "Rev. Growth (Qtly)",
       "cells": [
        "1.40%",
        "26.20%"
       ]
      },
      {
       "label": "Profit Margin",
       "cells": [
        "2.47%",
        "0.88%"
       ]
      },
      {
       "label": "Return on Equity",
       "cells": [
        "11.13%",
        "6.89%"
       ]
      },
      {
       "label": "Return on Assets",
       "cells": [
        "3.83%",
        "3.90%"
       ]
      },
      {
       "label": "Debt/Equity",
       "cells": [
        "68.95",
        "76.49"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "earnings",
   "title": "Earnings Reality Check",
   "text": [
    "Last 5 Qs: ELV beat estimates 5x out of 5. Fell 3x after beats. (Sell the news?)",
    "Last 4 Qs: HUM beat estimates 3x out of 4. Rose 2x after beats."
   ]
  },
  {
   "id": "technicals",
   "title": "Technical Indicators",
   "text": [
    "ELV is exhibiting strong upward momentum, with its RSI at 60.43 and trading above its 50-day ($397.22) and 200-day ($361.05) moving averages. Its MACD value of 4.59 suggests positive momentum, and its Stochastic reading of 74.25 indicates it is approaching overbought territory but still has room to run within a strong trend. ELV's price is trading near its 52-week high of $436.24, currently at $417.23. HUM also shows positive technicals, with an RSI of 71.85 indicating it is in overbought territory, and its MACD at 6.01 suggests strong upward momentum. It is trading above its 50-day ($388.96) and 200-day ($283.21) moving averages. HUM's price is also near its 52-week high of $428.88, currently at $405.97. While both stocks show bullish technicals, ELV's RSI is less extended, suggesting potentially more room for upside before a pullback, and its price action is more consistently above key moving averages."
   ],
   "tables": [
    {
     "caption": "Technical indicators: ELV vs HUM",
     "columns": [
      "Indicator",
      "ELV",
      "HUM"
     ],
     "rows": [
      {
       "label": "RSI (14)",
       "cells": [
        "60.43",
        "71.85"
       ]
      },
      {
       "label": "50-Day MA",
       "cells": [
        "$397.22",
        "$388.96"
       ]
      },
      {
       "label": "200-Day MA",
       "cells": [
        "$361.05",
        "$283.21"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "sentiment",
   "title": "AI Analyst Sentiment",
   "text": [
    "Analyst sentiment strongly favors ELV, with 22 analysts issuing a median target price of $457, representing a significant upside from its current price. The ratings are overwhelmingly positive: 3 Strong Buys, 12 Buys, and only 7 Holds, with no Sell ratings. This indicates a high degree of confidence from the analyst community in ELV's future performance. HUM also garners positive analyst attention, with a median target price of $415, suggesting modest upside. However, the ratings are more mixed: 1 Strong Buy, 11 Buys, 13 Holds, and 1 Sell. This distribution suggests a less uniform conviction among analysts compared to ELV, with a notable number of Hold ratings."
   ]
  },
  {
   "id": "risk",
   "title": "Risk Stratification",
   "text": [
    "For ELV, key risks include its relatively modest revenue growth of 1.4%, which could slow further if market conditions deteriorate or competition intensifies. While its profitability is strong, maintaining these margins in a challenging economic environment could prove difficult. A significant shift in healthcare policy or regulatory changes could also impact its business model. HUM faces higher risks due to its significantly lower net profit margin and less consistent earnings performance, despite its impressive revenue growth. Its higher P/E ratio makes it more vulnerable to a valuation reset if growth expectations are not met. Furthermore, its reliance on continued high revenue growth to justify its valuation presents a substantial risk if that growth falters. The presence of a Sell rating from one analyst also highlights potential concerns."
   ],
   "tables": [
    {
     "caption": "Risk metrics: ELV vs HUM",
     "columns": [
      "Metric",
      "ELV",
      "HUM"
     ],
     "rows": [
      {
       "label": "Beta (Volatility) i",
       "cells": [
        "0.70",
        "0.75"
       ]
      },
      {
       "label": "Sharpe Ratio",
       "cells": [
        "-0.26",
        "0.25"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "protips",
   "title": "Comparative ProTips",
   "lists": {
    "ProTips": [
     "Consider ELV for its strong profitability and attractive valuation, offering a more defensive profile within the healthcare sector.",
     "Monitor HUM's ability to sustain its high revenue growth rate to justify its current valuation multiples.",
     "Given ELV's consistent earnings beats and positive analyst sentiment, it may offer a more predictable investment path."
    ]
   }
  },
  {
   "id": "monte-carlo",
   "title": "Monte Carlo Projection (10yr)"
  },
  {
   "id": "trade-plans",
   "title": "Actionable Trade Plans",
   "text": [
    "Compare entry, exit, and risk management levels for both assets",
    "Volatility-Adjusted Stop Loss Calculated based on volatility and technical support levels."
   ],
   "facts": {
    "STOP LOSS": "$374.10"
   }
  },
  {
   "id": "faq",
   "title": "Frequently Asked Questions"
  },
  {
   "id": "people-also-watch",
   "title": "People Also Watch",
   "links": [
    {
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    }
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  }
 ],
 "faq": [
  {
   "question": "Which stock is a better buy, ELV or HUM?+",
   "answer": "ELV is the preferred buy due to its superior profitability, more consistent earnings beats, and more attractive valuation (P/E of 17.55 vs 38.17). While HUM offers higher revenue growth, ELV presents a more stable and profitable investment."
  },
  {
   "question": "What are the key risks for ELV compared to HUM?+",
   "answer": "ELV's primary risk is its slower revenue growth, while HUM's main risks stem from its lower profitability, higher valuation, and less consistent earnings performance, making it more susceptible to growth disappointments."
  },
  {
   "question": "How do ELV and HUM compare on valuation metrics?+",
   "answer": "ELV trades at a significantly lower P/E ratio (17.55) than HUM (38.17), suggesting ELV is more attractively valued relative to its earnings. ELV also has a larger market capitalization."
  },
  {
   "question": "Which company has better profitability?+",
   "answer": "ELV demonstrates superior profitability with a net profit margin of 2.47% and a return on equity of 11.13%, both considerably higher than HUM's figures of 0.88% and 6.89%, respectively."
  },
  {
   "question": "How consistent are the earnings for ELV and HUM?+",
   "answer": "ELV has a more consistent record of beating earnings estimates, with its latest quarter showing a 19.97% surprise. HUM also beat its latest estimate but had a much smaller beat previously and reported a loss in an earlier quarter."
  },
  {
   "question": "What is the analyst sentiment for ELV versus HUM?+",
   "answer": "Analyst sentiment is stronger for ELV, with a higher median target price ($457 vs $415) and a more favorable rating distribution (more Strong Buys and Buys, fewer Holds) compared to HUM."
  },
  {
   "question": "How do their technical indicators compare?+",
   "answer": "Both stocks show positive technicals, but ELV's RSI is less extended (60.43 vs 71.85), suggesting more room for upside before reaching overbought levels, while HUM is already in overbought territory."
  }
 ],
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  "peopleAlsoWatch": [],
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    {
     "@type": "Question",
     "name": "Which stock is a better buy, ELV or HUM?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "ELV is the preferred buy due to its superior profitability, more consistent earnings beats, and more attractive valuation (P/E of 17.55 vs 38.17). While HUM offers higher revenue growth, ELV presents a more stable and profitable investment."
     }
    },
    {
     "@type": "Question",
     "name": "What are the key risks for ELV compared to HUM?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "ELV's primary risk is its slower revenue growth, while HUM's main risks stem from its lower profitability, higher valuation, and less consistent earnings performance, making it more susceptible to growth disappointments."
     }
    },
    {
     "@type": "Question",
     "name": "How do ELV and HUM compare on valuation metrics?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "ELV trades at a significantly lower P/E ratio (17.55) than HUM (38.17), suggesting ELV is more attractively valued relative to its earnings. ELV also has a larger market capitalization."
     }
    },
    {
     "@type": "Question",
     "name": "Which company has better profitability?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "ELV demonstrates superior profitability with a net profit margin of 2.47% and a return on equity of 11.13%, both considerably higher than HUM's figures of 0.88% and 6.89%, respectively."
     }
    },
    {
     "@type": "Question",
     "name": "How consistent are the earnings for ELV and HUM?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "ELV has a more consistent record of beating earnings estimates, with its latest quarter showing a 19.97% surprise. HUM also beat its latest estimate but had a much smaller beat previously and reported a loss in an earlier quarter."
     }
    },
    {
     "@type": "Question",
     "name": "What is the analyst sentiment for ELV versus HUM?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "Analyst sentiment is stronger for ELV, with a higher median target price ($457 vs $415) and a more favorable rating distribution (more Strong Buys and Buys, fewer Holds) compared to HUM."
     }
    },
    {
     "@type": "Question",
     "name": "How do their technical indicators compare?",
     "acceptedAnswer": {
      "@type": "Answer",
      "text": "Both stocks show positive technicals, but ELV's RSI is less extended (60.43 vs 71.85), suggesting more room for upside before reaching overbought levels, while HUM is already in overbought territory."
     }
    }
   ]
  }
 ]
}