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Humana (HUM) Stock Analysis

NYQ · Healthcare · Healthcare Plans

$401.58

+3.65 (+0.92%)

OverviewTechnicalRiskWhaleEarningsOptionsShort InterestESG

HUM Interactive Price Chart & Trading Signals

HUM Stock Snapshot — Valuation, Risk & Technical Signals

HUM Key Fundamentals, Analyst Targets & Company Profile

Key Financial Ratios

Marktkapitalisatie

$48.22B

P/E

37.96

Forward P/E

24.20

PEG

1.33

P/B

2.51

EPS

$10.57

Dividendrendement

0.89%

52W bereik

$163.11 – $428.88

Beta

0.74

Volume

0.3M

ROE

6.9%

Winstmarge

0.9%

Omzetgroei

26.2%

Brutomarge

13.7%

EV/EBITDA

10.77

Analystendoel

$423.74

The trailing price-to-earnings ratio stands at 38.0x. Forward P/E of 24.2x implies earnings expansion expected. Price-to-book is 2.51x. EV/EBITDA sits at 10.77x. Market capitalization is $48.22B. Revenue is growing at 26.2% on a trailing basis. Earnings are expanding at 27.1%. Profit margins are 0.9%. Return on equity is 6.9%. Beta of 0.74 indicates defensive profile.

Analyst Consensus

Aanbeveling

Buy

Doel laag

$280.00

Doel gemiddeld

$423.74

Doel hoog

$515.00

Gebaseerd op 23 analisten

Over Humana

Humana Inc. provides medical and specialty insurance products in the United States. It operates in two segments, Insurance and CenterWell. The Insurance segment offers individual Medicare Advantage products, including health insurance benefits, including wellness programs, chronic care management, and care coordination; individual Medicare stand-alone prescription drug products (PDP); group Medicare advantage and Medicare stand-alone PDP; Medicare supplements; specialty and ancillary insurance comprising dental, vision, life and disability; and administrative services to arrange health care services for active-duty and retired military personnel and dependents, as well as pharmacy benefit managers. Its CenterWell segment operates full-service, value-based senior focused primary care centers under the Conviva Senior Primary Care and CenterWell Senior Primary Care brands; a management services organization; CenterWell Home Health, a home health provider; and OneHome, which manages post-acute patient needs, as well as provides pharmacy and hospice solutions. The company was formerly known as Extendicare Inc. and changed its name to Humana Inc. in April 1974. Humana Inc. was founded in 1961 and is headquartered in Louisville, Kentucky.

United States67,060 medewerkersWebsite ↗

Handel HUM op Interactive Brokers

Lagekosten wereldhandel

HUM Deep Dive Analysis

Bottom Line

Verdict

Undervalued

Best for

Value-oriented investors

Watch out for

None flagged

Non-zero inputs

4/5

Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.

Humana Inc. (HUM) trades below our multi-model fair value estimate of $541.67 by approximately 34.9%. Trailing P/E: 38.0x. Profitability signals include profit margin of 0.9% and return on equity of 6.9%. Recent growth metrics show revenue growth of 26.2% and earnings growth of 27.1%. Risk profile: defensive beta of 0.74. Consensus: buy.

Valuation, Growth & Risk

Valuation

Undervalued

P/E 38.0x

Price sits below our estimate of fair value.

Growth

Expanding

Rev 26.2%

Revenue is outpacing the market.

Risk

Low

Beta 0.74

Movement is likely to track the broader market.

Valuation Snapshot

Humana Inc. (HUM) trades below our multi-model fair value estimate of $541.67 by approximately 34.9%. The trailing price-to-earnings ratio stands at 38.0x. Forward P/E of 24.2x suggests earnings compression ahead. Price-to-sales is 0.3x. Price-to-book is 2.5x. EV/EBITDA sits at 10.8x. Market capitalization is $48.22B.

Why it matters: Buying below fair value can create a margin of safety, but always check earnings quality.

Growth & Profitability

Revenue is growing at 26.2% on a trailing basis. Earnings are expanding at 27.1%. Profit margins are 0.9%. Return on equity is 6.9%. Return on assets is 3.9%.

Why it matters: Growing revenue with healthy margins usually means the business is gaining market share or pricing power.

Risk Profile

Beta of 0.74 indicates defensive profile. Net debt position is $-9127000064.00.

Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.

Analyst Context

Analyst consensus target of $423.74 implies 5.5% upside. Target range spans $280.00 to $515.00. 23 analysts cover the stock. Consensus recommendation: buy.

Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.

Investor Fit

The combination of undervaluation and moderate risk may suit value-oriented investors.

Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.

Data Methodology & Sources

Market Data (Facts)

  • Price, volume, and market cap: Yahoo Finance (may be delayed)
  • P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
  • Analyst estimates: Yahoo Finance (coverage and update times vary)
  • Insider transactions: Yahoo Finance (reporting may be delayed)

QuantSoar Model (Derived)

  • Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
  • Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
  • Composite Score: 40% Value + 30% Momentum + 30% Risk
  • Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.

Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.

HUM Undervalued

Humana Inc. (HUM) trades below our multi-model fair value estimate of $541.67 by approximately 34.9%.

Frequently Asked Questions

ValuationIs HUM stock overvalued right now?
Our multi-model fair value estimate of $541.67 suggests HUM may be undervalued by approximately 34.9% at the current price of $401.58.
ValuationWhat is HUM fair value based on current fundamentals?
Our fair value estimate for HUM is $541.67, derived from discounted cash flow, dividend discount, and relative valuation multiples. The estimate assumes a discount rate of 9.0% and terminal growth of 2.5%.
RiskHow risky is HUM compared with other stocks?
Risk profile for HUM: a beta of 0.74 suggests a defensive profile. Investors should weigh macro exposure against their own risk tolerance.
GrowthIs HUM still growing?
Latest trailing metrics show revenue growth of 26.2% and earnings growth of 27.1%. Profit margins are 0.9%.
AnalystWhat do analysts think about HUM?
Analyst consensus target is $423.74, implying 5.5% upside. The street recommendation is "buy".
DividendDoes HUM pay a dividend?
Yes. HUM currently offers a dividend yield of 0.9%.
CatalystWhat could change the investment case for HUM?
Key catalysts include Healthcare sector dynamics, interest rate shifts, and company-specific earnings surprises. Monitor macro risk scores and analyst estimate revisions for early signals.

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