| Profitability | 27/100 |
| Growth | 63/100 |
| Momentum | 90/100 |
| Quality | 70/100 |
| Earnings Quality | 84/100 |
| Balance Sheet | 48/100 |
| Value | 74/100 |
| Risk (safety) | 65/100 |
| Overall | 61.3/100 |
| Symbol | IS Score |
|---|---|
| ELV | 57 |
| CVS | 52 |
| HUM | 27 |
| CNC | 37 |
| UNH | 51 |
| MOH | 30 |
| CI | 61 |
Both readings sit above the midpoint — business quality at 61 and price structure at 88 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.
| Trigger | Where it stands now | What it would mean |
|---|---|---|
| IS Score reaches 75 and holds two consecutive quarters | now 61.3 | would move us up one band |
| IS Score stops falling - one quarter higher than the prior | last four: 61 → 58 → 60 → 61 | the direction matters more than the level |
| Technical vote share back above 50% | now 91% | price structure no longer broken |
| Institutional holder count rises two quarters running | peak 1,731 → now 1,702 | fewer institutions willing to hold is our clearest warning |
This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.
| Quarter | Holders | 13F shares | Value | Reported own% |
|---|---|---|---|---|
| 2026 Q2 | 1,702 | 239.5M | $64.8B | 90.7% |
| 2026 Q1 | 1,661 | 235.1M | $61.4B | 89.1% |
| 2025 Q4 | 1,656 | 235.5M | $62.5B | 89.2% |
| 2025 Q3 | 1,615 | 233.3M | $62.5B | 88.4% |
| 2025 Q2 | 1,731 | 236.1M | $73.5B | 89.4% |
| 2025 Q1 | 1,691 | 241.0M | $74.0B | 91.3% |
| 2024 Q4 | 1,642 | 243.7M | $63.1B | 92.3% |
| 2024 Q3 | 1,700 | 242.5M | $79.2B | 91.9% |
| 2024 Q2 | 1,666 | 243.5M | $75.2B | 92.2% |
| 2024 Q1 | 1,662 | 250.9M | $84.9B | 95.0% |
| 2023 Q4 | 1,625 | 255.8M | $71.9B | 96.9% |
| 2023 Q3 | 1,491 | 256.0M | $68.8B | 97.0% |
| Insider | Role | Date | Type | Shares | Value | Post-Txn Owned |
|---|---|---|---|---|---|---|
| Neville Everett | See Remarks | 2026-09-03 | SELL | 617 | $0.18M | 5,053 |
| Kurian George | director | 2026-08-31 | A-Award | 109 | — | 2,042 |
| Jones Nicole S | See Remarks | 2026-08-18 | SELL | 2,677 | $0.75M | 25,880 |
| Holgerson Bryan | See Remarks | 2026-08-06 | A-Award | 1 | — | 945 |
| Jones Nicole S | See Remarks | 2026-08-05 | EXERCISE | 1,301 | $0.25M | 28,557 |
| Jones Nicole S | See Remarks | 2026-08-05 | EXERCISE | 1,301 | $0.25M | 0 |
| Jones Nicole S | See Remarks | 2026-08-04 | EXERCISE | 14,045 | $2.70M | 46,692 |
| Jones Nicole S | See Remarks | 2026-08-04 | SELL | 19,436 | $5.37M | 27,256 |
| 6-mo decomposition (Form 4) | Txns | Shares | Value | Signal weight |
|---|---|---|---|---|
| S — Open-market sales | 19 | 229,533 | $66.8M | Counted |
| M — Exercises (paired A/D) | 7 | 228,788 | $39.3M | None — mechanics |
| F — Tax withholding | 13 | 25,098 | $7.2M | None — compensation |
| P — Open-market purchases | 0 | 0 | $0 | Counted — none occurred |
| Filed | Filer | Shares registered | Est. proceeds |
|---|---|---|---|
| 2026-09-03 | Neville Everett | 617 | $0.2M |
| 2026-08-18 | Jones Nicole S | 2,677 | $0.7M |
| 2026-08-04 | Jones Nicole S | 19,436 | $5.4M |
| 2026-06-12 | Kates Jamie G | 899 | $0.3M |
| Trailing 12 mo | 9 filings | 241,010 | $70M |
| Filed | Form | Reporting person | % of class | Shares |
|---|---|---|---|---|
| 2026-04-29 | SCHEDULE 13G | Vanguard Capital Management | 7.51% | 19.8M sh |
| 2026-03-26 | SCHEDULE 13G/A | The Vanguard Group | — | exit/reporting change |
| 2026-03-05 | SCHEDULE 13G/A | The Vanguard Group | 10.03% | 26.4M sh |
| 2025-11-05 | SCHEDULE 13G/A | Abigail P. Johnson | 4.00% | 10.7M sh |
| Member | Chamber | Trade | Size band | Traded | Disclosed |
|---|---|---|---|---|---|
| Ro Khanna | House | SELL | $1,001 - $15,000 | 2026-09-25 | 2026-10-09 |
| Ro Khanna | House | BUY | $1,001 - $15,000 | 2026-09-11 | 2026-10-09 |
| Ro Khanna | House | BUY | $1,001 - $15,000 | 2026-09-04 | 2026-10-09 |
| Alan Armstrong | Senate | BUY | $1,001 - $15,000 | 2026-03-27 | 2026-07-21 |
| Jerry Moran | Senate | SELL | $1,001 - $15,000 | 2023-12-14 | 2024-01-17 |
| Jerry Moran | Senate | SELL | $1,001 - $15,000 | 2023-12-14 | 2024-01-17 |
| Manager | Shares | Value |
|---|---|---|
| Assenagon Asset Management S.A. | 314,127 | $85M |
| Wealth Enhancement Advisory Servic | 115,237 | $30M |
| Fjarde Ap-Fonden /Fourth Swedish N | 89,955 | $24M |
| Asr Vermogensbeheer N.V. | 82,000 | $22M |
| Mn Services Vermogensbeheer B.V. | 77,020 | $21M |
| Czech National Bank | 75,923 | $21M |
| Fund | Weight | Position |
|---|---|---|
| VITSX | 0.1% | $2.3B |
| VTSAX | 0.1% | $2.3B |
| VSMPX | 0.1% | $2.3B |
| VTI | 0.1% | $2.3B |
| VFINX | 0.1% | $1.9B |
| VOO | 0.1% | $1.9B |
| ATS Venue (4-wk) | Shares | Avg trade |
|---|---|---|
| Incr Intelligent Cross Llc | 1.9M | 28 sh |
| Ubsa Ubs Ats | 1.4M | 30 sh |
| Ebxl Level Ats | 1.0M | 19 sh |
| Sgmt Sigma X2 | 1.0M | 25 sh |
| Mlix Instinct X | 0.8M | 34 sh |
| Mstx Ms Trajectory Cross (Ats-1) | 0.8M | 20 sh |
Moat score 44/100 — Weak; primary source Efficient Scale.
| Officer | Title |
|---|---|
| David Michael Cordani | Executive Chairman of the Board |
| Brian C. Evanko | President, CEO & Director |
| Nicole Susan Jones | Executive Vice President, Chief Administrative Officer & Chief Human Resources Officer |
| Ann Dennison | Executive Vice President & Chief Financial Officer |
| Period | EPS est. | EPS actual | EPS surprise | Rev est. ($M) | Rev actual ($M) | Rev surprise |
|---|
| YoY growth | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | +8.5% | +3.7% | +8.2% | +26.6% | +11.3% |
| Gross profit | -5.2% | +2.4% | +7.1% | +3.1% | +0.1% |
| Operating income | -2.6% | +6.4% | +1.0% | +10.3% | -3.1% |
| Net income | -36.5% | +24.8% | -23.0% | -33.5% | +73.5% |
| $B · FY ends | FY21 | FY22 | FY23 | FY24 | FY25 | Trend |
|---|---|---|---|---|---|---|
| Revenue | 174.1 | 180.5 | 195.3 | 247.1 | 275.0 | |
| Cost of revenue | 151.1 | 157.0 | 170.1 | 221.2 | 249.0 | |
| Gross profit | 23.0 | 23.5 | 25.2 | 26.0 | 26.0 | |
| R&D expense | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| SG&A expense | 12.8 | 13.0 | 14.3 | 14.6 | 14.0 | |
| Operating income | 7.9 | 8.5 | 8.5 | 9.4 | 9.1 | |
| EBITDA | 10.0 | 10.4 | 10.8 | 11.4 | 11.6 | |
| D&A | 1.8 | 1.9 | 1.8 | 1.8 | 2.6 | |
| Pretax income | 6.8 | 8.4 | 5.5 | 5.3 | 7.6 | |
| Income tax | 1.4 | 1.6 | 0.1 | 1.5 | 1.3 | |
| Net income | 5.4 | 6.7 | 5.2 | 3.4 | 6.0 | |
| Diluted EPS ($) | 15.75 | 21.41 | 17.39 | 12.12 | 22.17 | |
| Diluted shares (M) | 341 | 313 | 297 | 283 | 266 |
| $B | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Cash & equivalents | 5.9 | 7.8 | 7.6 | 7.7 | |
| ST investments | 0.9 | 0.9 | 0.7 | 0.0 | |
| Receivables (net) | 17.0 | 17.5 | 24.1 | 28.8 | |
| Total current assets | 30.1 | 37.4 | 48.9 | 47.8 | |
| PP&E (net) | 1.3 | 0.9 | 0.8 | 3.7 | |
| Goodwill + intangibles | 81.2 | 77.9 | 76.6 | 73.5 | |
| Total assets | 143.9 | 152.8 | 155.9 | 157.9 | |
| Accounts payable | 24.8 | 28.4 | 37.8 | 10.7 | |
| Short-term debt | 3.0 | 2.7 | 3.0 | 0.6 | |
| Deferred revenue | 0.0 | 0.0 | 0.0 | 0.0 | |
| Total current liabilities | 41.2 | 48.7 | 58.0 | 56.3 | |
| Long-term debt | 28.0 | 28.1 | 28.9 | 30.9 | |
| Total liabilities | 99.0 | 106.4 | 114.6 | 116.0 | |
| Shareholders' equity | 44.9 | 46.4 | 41.2 | 41.9 |
| $B | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Net income | 6.8 | 5.4 | 3.8 | 6.3 | |
| D&A | 2.9 | 3.0 | 2.8 | 2.8 | |
| Stock-based compensation | 0.0 | 0.0 | 0.0 | 0.0 | |
| Working capital change | 0.6 | 3.5 | 1.2 | 0.2 | |
| Operating cash flow | 8.7 | 11.8 | 10.4 | 9.6 | |
| Capital expenditures | (1.3) | (1.6) | (1.4) | (1.2) | |
| Investing cash flow | 3.1 | (5.2) | (2.1) | (4.4) | |
| Buybacks | (7.6) | (2.3) | (7.0) | (3.6) | |
| Dividends paid | (1.4) | (1.5) | (1.6) | (1.6) | |
| Debt issuance / (repay) | (2.6) | (0.3) | 1.1 | (0.7) | |
| Financing cash flow | (11.2) | (4.3) | (7.6) | (6.4) | |
| Free cash flow | 7.4 | 10.2 | 9.0 | 8.4 |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| PROFITABILITY | |||||||
| ROE | 11.0% | 14.6% | 11.3% | 7.9% | 14.4% | 15% | |
| ROA | 3.5% | 4.5% | 3.5% | 2.2% | 3.8% | 4.1% | |
| ROIC | 8.4% | 9.8% | 12.2% | 10.4% | 11.5% | 7.7% | |
| Gross margin | 13.2% | 13.0% | 12.9% | 10.5% | 9.5% | 11.7% | |
| Operating margin | 4.6% | 4.7% | 4.4% | 3.8% | 3.3% | 3.5% | |
| Net margin | 3.1% | 3.7% | 2.6% | 1.4% | 2.2% | 2.3% | |
| EBITDA margin | 5.7% | 5.8% | 5.6% | 4.6% | 4.2% | 4.5% | |
| FCF margin | 3.5% | 4.1% | 5.2% | 3.6% | 3.1% | — | |
| VALUATION | |||||||
| P/E | 13.14 | 14.29 | 16.47 | 21.89 | 12.29 | 12.5 | |
| P/B | 1.50 | 2.13 | 1.84 | 1.83 | 1.75 | 1.9 | |
| P/S | 0.40 | 0.53 | 0.44 | 0.30 | 0.27 | 0.28 | |
| P/FCF | 11.68 | 13.01 | 8.30 | 8.39 | 8.73 | 8.8 | |
| EV/EBITDA | 8.91 | 10.52 | 8.88 | 7.93 | 8.09 | 8.4 | |
| EV/Revenue | 0.57 | 0.67 | 0.55 | 0.40 | 0.35 | 0.4 | |
| Earnings yield | 7.6% | 7.0% | 6.1% | 4.6% | 8.1% | 8.04% | |
| FCF yield | 8.6% | 7.7% | 12.0% | 11.9% | 11.5% | 11.41% | |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| LEVERAGE & SOLVENCY | |||||||
| Current ratio | 0.83 | 0.73 | 0.77 | 0.84 | 0.85 | 0.85 | |
| Quick ratio | 0.74 | 0.61 | 0.65 | 0.73 | 0.72 | 0.74 | |
| Debt / equity | 0.73 | 0.70 | 0.67 | 0.78 | 0.75 | 0.75 | |
| Debt / assets | 22.1% | 21.9% | 20.2% | 20.5% | 19.9% | 20.3% | |
| Net debt / EBITDA | 2.55 | 2.16 | 1.84 | 1.90 | 1.99 | 2.04 | |
| Interest coverage | 6.75 | 6.93 | 6.25 | 6.76 | 6.77 | — | |
| Ratio | FY21 | FY22 | FY23 | FY24 | FY25 | TTM | Trend |
|---|---|---|---|---|---|---|---|
| EFFICIENCY | |||||||
| Asset turnover | 1.12 | 1.21 | 1.32 | 1.60 | 1.75 | 1.80 | |
| Receivables turnover | 13.08 | 11.43 | 11.35 | 11.91 | 10.41 | 9.2 | |
| DSO (days) | 28 | 32 | 32 | 31 | 35 | 40 | |
| DPO (days) | 49 | 54 | 57 | 55 | 35 | 15 | |
| Cash conversion cycle | -13 | -13 | -14 | -14 | 10 | 33 | |
| GROWTH (YoY) | |||||||
| Revenue growth | 8.5% | 3.7% | 8.2% | 26.6% | 11.3% | — | |
| Net income growth | -36.6% | 25.0% | -23.0% | -33.5% | 73.5% | — | |
| EPS growth | -30.5% | 34.9% | -20.1% | -29.5% | 81.2% | — | |
| FCF growth | -34.8% | 21.9% | 39.1% | -12.5% | -6.3% | — | |
| PER SHARE ($) | |||||||
| EPS (diluted, TTM) | 16.28 | 21.95 | 17.53 | 12.36 | 22.40 | 24.31 | |
| Book value / share | 142.92 | 146.92 | 156.92 | 147.72 | 156.85 | 162.56 | |
| Revenue / share | 528.08 | 591.06 | 662.89 | 889.62 | 1033.86 | 1069.78 | |
| FCF / share | 18.31 | 24.10 | 34.76 | 32.24 | 31.54 | 34.52 | |
| Cash / share | 18.20 | 22.36 | 29.69 | 29.57 | 28.86 | 23.86 | |
| SHAREHOLDER RETURN & SCORES | |||||||
| Buyback yield | 11.0% | 7.9% | 2.7% | 9.4% | 4.9% | 1.76% | |
| Altman Z-Score | 1.93 | 2.31 | 2.25 | 2.50 | 2.67 | 2.8 | |
| Piotroski F-Score | 6 | 7 | 8 | 6 | 8 | 8/9 | |
| Beneish M-Score | -2.28 | -2.41 | -2.66 | -2.20 | -2.24 | -2.82 | |
| Model | Score | Zone | Note |
|---|---|---|---|
| Piotroski F-Score | 8 / 9 | Strong | |
| Altman Z-Score | 2.8 | Grey zone | Grey |
| Income quality | 1.47 | Cash-backed | OCF ÷ net income |
| Beneish M-Score | -2.82 | Non-manipulator | vs −2.22 threshold |
| DuPont Decomposition (TTM) | Value |
|---|---|
| Tax burden | 0.76 |
| Interest burden | 0.86 |
| Operating margin | 3.5% |
| Asset turnover | 1.83× |
| Financial leverage | 3.73× |
| = ROE | 15% |
| Growth Quality (live) | Value |
|---|---|
| Revenue stability | 0.93 |
| Earnings stability | 0.21 |
| Earnings persistence | 0.89 |
| Revenue CAGR 3y | 14.9% |
| EPS CAGR 3y | 2.6% |
| FCF CAGR 3y | -7.2% |
| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | Piotroski | 1-yr ret |
|---|---|---|---|---|---|---|---|
| ELV | $92.9B | 19.0 | 11% | 2.9% | +6.3% | 6/9 | +23.6% |
| CVS | $118.1B | 24.1 | 6% | 2.8% | +7.4% | 8/9 | +14.4% |
| HUM | $49.6B | 38.8 | 7% | 1.7% | +18.3% | 4/9 | +54.6% |
| CNC | $34.2B | -6.7 | -20% | 2.5% | +8.7% | 6/9 | +94.0% |
| UNH | $360.3B | 22.9 | 16% | 3.6% | +3.3% | 7/9 | — |
| MOH | $10.8B | 1296.0 | -0% | 0.6% | +2.6% | 5/9 | — |
| OSCR | $8.3B | 18.6 | 34% | 7.4% | +42.8% | 7/9 | — |
| REGN | $81.4B | 18.9 | 14% | 30.2% | +9.3% | 7/9 | — |
| Consensus estimates | Revenue mean | High / Low | EPS mean | High / Low | # EPS est. |
|---|---|---|---|---|---|
| FY2026 | $287.16B | $289.75B / $281.03B | $30.51 | $30.58 / $30.45 | 15 |
| FY2027 | $299.90B | $308.49B / $292.89B | $33.48 | $33.86 / $33.13 | 15 |
| FY2028 | $316.02B | $323.83B / $305.86B | $37.14 | $39.35 / $31.25 | 12 |
| Window | Avg Target | vs. Price | # Targets |
|---|---|---|---|
| Last Month | $378.50 | +25.2% | 2 |
| Last Quarter | $344.86 | +14.1% | 7 |
| Last Year | $331.47 | +9.6% | 38 |
| All Time | $329.97 | +9.2% | 89 |
| Moving Average | Value | Distance | % Distance | Signal |
|---|---|---|---|---|
| SMA 20 | $277.79 | +24.51 | +8.82% | Above |
| SMA 50 | $278.61 | +23.69 | +8.50% | Above |
| SMA 200 | $280.19 | +22.11 | +7.89% | Above |
| EMA 9 | $288.13 | +14.17 | +4.92% | Above |
| EMA 21 | $282.16 | +20.14 | +7.14% | Above |
| EMA 50 | $280.39 | +21.91 | +7.81% | Above |
| EMA 200 | $282.13 | +20.17 | +7.15% | Above |
| Level | Value | Level | Value |
|---|---|---|---|
| Pivot / R1 / R2 | $297.13 / $301.79 / $304.77 | S1 / S2 | $294.15 / $289.49 |
| Bollinger (20,2) | $258.50 – $297.09 | Squeeze | Off |
| 52-wk range | $238.17 – $309.60 | Off 52-wk high | -2.3% |
| ATR (14) | $7.43 (2.5%) | Historical vol | 21.7% |
| Computed from live weekly prices | CI | S&P 500 |
|---|---|---|
| Weekly volatility (σ, 1y) | 4.39% | 1.83% |
| Best / worst week (1y) | +8.5% / -19.0% | — |
| Max drawdown (5y, monthly) | -35.5% | — |
| 1-week VaR (95%) | -6.8% | — |
| Beta (5y) | 0.32 | 1.00 |
| Reading | CI | Medical - Healthcare Plans n=28 | Healthcare n=5,272 | All US symbols n=70,435 |
|---|---|---|---|---|
| Overall | +29.6 | +9.1 | -24.0 | -20.5 |
| Trend | +44.5 | +39.0 | -25.6 | -21.3 |
| Momentum | +77.3 | +56.0 | -28.5 | -15.8 |
| Volume | +44.8 | +24.6 | -25.0 | -3.8 |
| Executive | Total comp | Structure |
|---|---|---|
| David M. Cordani Chair and Chief Executive O | $22.9M | 75% equity+incentive |
| Brian C. Evanko President and Chief Operatin | $10.0M | 72% equity+incentive |
| Nicole S. Jones Executive Vice President, Ch | $6.0M | 68% equity+incentive |
| Ann M. Dennison Executive Vice President, Ch | $4.7M | 72% equity+incentive |
| Everett Neville Executive Vice President, St | $4.1M | 66% equity+incentive |
| Pillar (live disclosure scores) | Score |
|---|---|
| Environmental | 66 |
| Social | 55 |
| Governance | 71 |
| Composite ESG | 64 |
| Filed | 8-K contents | Items |
|---|---|---|
| 2026-10-09 | Officer/Director Change | 5.02 |
| 2026-09-30 | Regulation FD; Exhibits | 7.01,9.01 |
| 2026-07-30 | Earnings Release; Exhibits | 2.02,9.01 |
| 2026-05-13 | Regulation FD | 7.01 |
| 2026-04-30 | Earnings Release; Exhibits | 2.02,9.01 |
| 2026-04-27 | Shareholder Vote | 5.07 |
| 2026-03-03 | Departure/Election of Directors; Appointment of Officers; Regulation F | 5.02,7.01,9.01 |
| 2026-02-27 | Regulation FD Disclosure | 7.01 |
Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.
| Data domain | Source | Coverage for this report |
|---|---|---|
| Price & volume | market_db.historical_prices | 52 rows |
| Fundamentals | income_statements_annual | 6 rows · 2020 to 2025 |
| Reported vs consensus | fact/earnings_calendar | 24 rows · 2020-11-05 to 2026-07-30 |
| Analyst estimates | dim/forward_estimates | 3 rows · 2026-12-31 to 2028-12-31 |
| Institutional ownership (13F) | holdings_db.institutional_ownership_summary | 51 rows · 2011 to 2026 |
| Insider transactions (Form 4) | edgar/form4 | 12 rows · 2026-07-09 to 2026-09-03 |
| Proposed sales (Form 144) | edgar/form144 | 1 record |
| Beneficial ownership (13D/G) | edgar/13dg | 4 rows · 2025-11-05 to 2026-04-29 |
| Short-sale volume (FINRA) | edgar/short_volume_daily | 60 rows · 2026-07-23 to 2026-10-15 |
| Dark pool (ATS, tier 1) | edgar/darkpool_weekly | 12 rows · 2026-06-15 to 2026-08-31 |
| ETF & fund holding | etf_holdings_changelog (30d) | 1 record |
| Peer set | stock_peers_dynamic | 8 rows |
| Industry medians | industry_medians | 1 record |
| Congressional trades | congress_db (House + Senate) | 1 record |
| ESG | fact/esg_disclosures | 1 record |
Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.
Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.