Wodwala akulankhula ndi dokotala pa nthawi yokumana.

Masheya Apamwamba Apamwamba Azaumoyo 2 Oti Mugule Pompano

Ndi magawo ochepa omwe ali olimba m’malo osatsimikizika monga chisamaliro chaumoyo. Izi zili choncho chifukwa mankhwala ndi inshuwaransi yazaumoyo ndizofunikira paumoyo wa odwala. Mwachidule, anthu amafunikira. Poganizira kuchuluka kwa anthu okalamba padziko lapansi, pali chifukwa chokhulupirira kuti zinthu zachipatalazi zidzakhala zofunika kwambiri pakapita nthawi.

kampani ya inshuwaransi yazaumoyo Fit thanzi (ELV -1.05%) Ndipo kampani yopanga mankhwala Novartis (NYSE: NVS) Ndi masheya awiri akuluakulu azachipatala omwe kugula kwawo kuyenera kuganiziridwa ngati masewera pakusasinthika kwa gawoli.

Gwero la zithunzi: Getty Images.

1. Health Fit

Ngati simunamvepo za Elibility Health, ndichifukwa idadziwika kuti Anthem – mpaka idasinthidwanso pansi pa moniker yake yatsopano mu Marichi. Mwa dzina lililonse, ndi kampani yayikulu yokhala ndi azachipatala okwana 47.1 miliyoni komanso anthu ena 22.6 miliyoni omwe adalembetsa ku Life, Disability, Dental, Vision ndi Medicare Part D.

M’mawu ake, msika wamsika wa $ 113 biliyoni umapangitsa kukhala kampani yachiwiri yayikulu kwambiri ya inshuwaransi yazaumoyo United Health Group‘s (NYSE: NH) Mtengo wamsika wa $ 471 biliyoni. Poganizira zolimbikitsa zamakampani a inshuwaransi yazaumoyo padziko lonse lapansi, iyi ndi imodzi mwamafakitale abwino kwambiri omwe kampani ikhoza kukhala mtsogoleri.

Izi zimachitika chifukwa cha kuchuluka kwa anthu okalamba, zomwe zimafuna kuwunika kwambiri komanso chithandizo chamankhwala. Pafupifupi 10% ya anthu padziko lapansi ali ndi zaka zopitilira 65, zomwe nthawi zambiri zimatchedwa okalamba. Ichi ndichifukwa chake msika wa inshuwaransi yazaumoyo padziko lonse lapansi ukukula 4.6% pachaka kuchoka pa $2.8 thililiyoni mu 2020 mpaka $3.9 thililiyoni pofika 2027, malinga ndi kampani yofufuza zamsika Global Market Insights.

Kuyenerera kunasintha $ 76.7 biliyoni muzopeza gawo loyamba kukhala $ 3.5 biliyoni pazopeza zonse. Izi zikufanana ndi malire a 4.5%, zomwe zikuwonetsa kuti kampani ya inshuwaransi yaumoyo ndi bizinesi yopindulitsa. Ichi ndichifukwa chake akatswiri akukhulupirira kuti Elibility apindula ndi kuchuluka kwa inshuwaransi yazaumoyo ndikukula kwa phindu lapachaka la 11.9% pazaka zisanu zikubwerazi. M’mawu ake, ndizotsika pang’ono pakukula kwachuma kwapachaka kwa mapulani azachipatala a 12.6%.

Zokolola zamakampani ndi 1.1% zotsika pang’ono kuposa Standard & Osauka’s 500 Mlozerawu umabwereranso 1.6%. Koma ndi zokolola zomwe zikuyembekezeka kukhala pansi pa 18% mu 2022, kukula kwa gawo la inshuwaransi yazaumoyo kuyenera kuthandizira zokolola zoyambira zotsika. Izi zikufotokozera chifukwa chake ndikukhulupirira kuti malipiro a Elibility Health azikula pachaka kwa achinyamata pazaka zisanu mpaka 10 zikubwerazi.

Koposa zonse, kampani ya inshuwaransi yazaumoyo ingagulidwe pamtengo wopita ku phindu (P/E) ya 14.8. Izi ndizotsika mtengo wamakampani 16.1, zomwe zimapangitsa kuti Elibility Health ikhale yogulitsa chuma chokakamiza kugula.

2. Novartis

Chifukwa cha kuchuluka kwa anthu okalamba komanso kutulutsidwa kwa mankhwala atsopano ochizira matenda osowa, makampani opanga mankhwala padziko lonse lapansi akuyembekezeka kukula kuchokera pa $ 1.4 thililiyoni mu 2021 mpaka $ 1.8 thililiyoni mu 2026. Monga m’modzi mwa osewera akulu kwambiri padziko lonse lapansi, palibe kukayika kuti Kampani ya Novartis yochokera ku Switzerland yochokera ku Switzerland imatenga mwayi pamtunduwu.

Mbiri ya kampaniyi ili ndi mankhwala a 13 omwe ali panjira kuti akwaniritse zosachepera $ 1 biliyoni pakugulitsa kwa 2022. Izi zikuphatikizapo mankhwala a immunology Cosentyx ndi mankhwala olepheretsa mtima a Entresto, omwe adatulutsa $ 2.4 biliyoni ndi $ 2.2 biliyoni pakugulitsa theka loyamba pawiri. kukula, motero.. Mbiri yochititsa chidwi yamankhwala iyi ndi momwe akatswiri amayembekezera $ 52.4 biliyoni pazachuma kuchokera ku Novartis chaka chino.

Ndipo ndi ma projekiti 150 omwe ali m’magawo osiyanasiyana azachipatala, tsogolo la kampaniyo likuwoneka ngati labwino. Kukhazikitsidwa kwa mankhwala amtsogolo kudzathetsa kutayika kwa ndalama zomwe zikubwera kuchokera kutha kwa patent, ndichifukwa chake akatswiri amayembekezera 4.1% kukula kwa phindu lapachaka pazaka zisanu zikubwerazi.

Zokolola zamagulu a Novartis za 4.1% ndi pafupifupi katatu kuposa S&P 500 Index. Ndi malipiro opita patsogolo omwe akuyembekezeka kukhala pansi pa 50%, kampaniyo sidzakhala ndi vuto kuwonjezera gawo lake m’zaka zikubwerazi.

Otsatsa omwe akufuna ndalama zongopeza ndalama amatha kutenga magawo a Novartis pamlingo wa P/E wotsogola wa 12.3, womwe uli pamtunda wapakati pa 10.7 – ndipo sikulinso ndalama zolipirira magawo amakampani opanga mankhwala padziko lonse lapansi ngati Novartis.

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