These three dividend stocks are worth a close look for their solid business quality and attractive payouts.In a market where income investors have options, the 10-year Treasury yield of 4.2% serves as a "risk-free" rate. It represents the guaranteed return on government debt where principal loss is virtually non-existent. To compete with the relatively high rate, a dividend stock must offer price appreciation and growth potential backed by solid coverage ratios. These three companies fit that bill.Trading m ...

Humana (NYSE:HUM) Q4 2025 Earnings call February 11, 2026 08:00 AM ET Company ParticipantsAJ Rice - Managing DirectorBen Hendrix - VPCeleste Mellett - CFODavid Dintenfass - President of Enterprise GrowthElizabeth Anderson - Senior Managing DirectorGeorge Renaudin - President of Medicare and MedicaidJim Rechtin - President and CEOLance Wilkes - Managing DirectorLisa Stoner - VP of Investor RelationsWhit Mayo - Senior Managing DirectorConference Call ParticipantsAnn Hynes - Managing Director and Senior Health ...

Financial Data and Key Metrics Changes - The company reported adjusted EPS of $17.14 for 2025, exceeding initial guidance of approximately $16.25 [17] - The full-year insurance segment benefit ratio was 90.4%, slightly better than guidance [18] - For 2026, the company expects full-year adjusted EPS of at least $9, with a year-over-year decline anticipated due to a stars headwind [19] Business Line Data and Key Metrics Changes - The company experienced approximately 1 million member growth, or 20%, during the Annual Enrollment Period (AEP) [8] - Retention rate improved by over 500 basis points year-over-year, with over 70% of new sales coming from switches from competitor plans [9] - The company expects individual Medicare Advantage (MA) membership growth of approximately 25% for full year 2026 [10] Market Data and Key Metrics Changes - The company absorbed approximately 12% of members impacted by competitor plan exits, which is less than its market share [9] - Nearly 30% of new sales were bounce-back members, indicating a positive mix of new sales [9] Company Strategy and Development Direction - The company remains committed to a consumer-centric strategy, focusing on maximizing customer lifetime value and member retention [6] - Plans are designed to be priced for sustainable margins, moving away from loss leader strategies [8] - The company is expanding its Medicaid and CenterWell footprint, with Medicaid now spanning 13 states [14] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the operational capacity to absorb growth and maintain quality care for members [10] - The company is adapting to the funding environment and expects to unlock earnings potential by 2028 [15] - Management acknowledged the challenges posed by the Advance Rate Notice but emphasized a commitment to protect consumers [15] Other Important Information - The company is focused on capital efficiency and plans to fund membership growth and strategic acquisitions while maintaining credit ratings [24] - A new President of Medicare Advantage, Aaron Martin, joined the company, bringing extensive healthcare experience [16] Q&A Session Summary Question: Can you expand on the level of earnings outside of MA underwriting? - Management indicated that earnings associated with CenterWell will contribute positively, with significant tailwinds expected from new membership [30] Question: How is the typical progress of margins for new members over time? - Management noted that margins typically improve significantly from year one to year two, with ongoing improvements expected in subsequent years [35] Question: What are the expectations for 2026 compared to Investor Day? - Management highlighted that the biggest difference is the embedded conservatism in their numbers, leading to a broader haircut in guidance [45] Question: How did the D-SNP membership growth compare to expectations? - The absolute number of new D-SNP members exceeded expectations, although the percentage growth was slightly lower [48] Question: What is the impact of the stars headwind on margins? - Management explained that the stars headwind affects both new and existing members, with similar margins expected for both cohorts [32] Question: How will the company adjust to the rate notice? - Management stated that they will adapt to the final rate notice and advocate for appropriate funding levels [59]

Humana (NYSE:HUM) Q4 2025 Earnings call February 11, 2026 08:00 AM ET Speaker13Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Lisa Stoner, Vice President of Investor Relations. Please go ahead.Thank you and good morning. I hope everyone had a chance to review our press release and prepared remarks, which are available on our website. We will begin this morning with brief remarks from Jim Rechtin, Humana's President and Chief E ...

  US equity futures are flat ahead of today's delayed January payrolls (full preview here) with the market now expecting a weaker print after the Retail Sales miss and weaker high-frequency data. As of 8:00am ET, S&P and Nasdaq 100 futures are both up 0.1%. Pre-market, Mag7 names are mostly lower; Discretionary, Energy, Industrials and Materials are all higher pointing to a potential broad-based cyclical rally while TMT is muted; AI ex-Mag7 is seeing a bid. JPMorgan’s trading desk expects the delayed Januar ...

Key TakeawaysFord (F) anticipates approximately $1.0 billion in lower tariff costs in 2026 while reporting substantial Q4 charges of about $13.8 billion related to its updated electric vehicle (EV) strategy and the expected disposition of its BOSK investment.Humana (HUM) delivered Q425 adjusted EPS of -$3.96, surpassing analyst estimates of -$4.01, but projected a 2026 adjusted EPS of at least $9, significantly below the consensus estimate of $11.87.Spot Silver saw a notable intraday surge of 6.00%, reachin ...

Core Insights - Humana has forecasted annual profit below Wall Street estimates due to anticipated impacts from lower quality ratings for its Medicare Advantage plans targeting older adults [1] Company Summary - Humana is facing challenges with its Medicare Advantage plans, which are expected to receive lower quality ratings, leading to a negative impact on profitability [1]

LOUISVILLE, Ky.--(BUSINESS WIRE)--Humana Inc. (NYSE: HUM) today reported consolidated pretax results and net (loss) earnings per share (EPS) for the quarter ended December 31, 2025 (4Q25) versus the quarter ended December 31 31, 2024 (4Q24) and for the year ended December 31, 2025 (FY 2025) versus the year ended December 31, 2024 (FY 2024) as noted in the tables below. Consolidated (loss) income before income taxes and equity in net losses (pretax results) in millions 4Q25 (a) 4Q24 (a) FY 2025. ...

Investors were encouraged by a positive projection in the company's fourth quarter.Unexpectedly optimistic guidance was the factor powering Oscar Health's (OSCR +1.42%) rise on the stock market Tuesday. The next-generation healthcare company reported its latest set of financial results, and while it missed analyst estimates on trailing results, investors liked what they saw with the crystal-ball gazing. At the end of the trading session, Oscar's stock was up by nearly 2%. Falling shortOscar's total revenue ...

US stock futures trod water on Wednesday as investors waited for the long-awaited January jobs report to help set expectations for interest-rate cuts. Dow Jones Industrial Average futures (YM=F) held just above the flatline, coming off a third straight record close. Contracts on the S&P 500 (ES=F) and the tech-heavy Nasdaq 100 (NQ=F) were also little changed on the heels of a losing day. Investors are focused on the "Super Bowl of jobs reports" — the delayed January nonfarm-payrolls update. After a brui ...