What is the fair value of HUM stock?

Our analysis estimates the fair value range for HUM to be between $348.40 and $393.60. The current price is $406.00.

What is the analyst price target for HUM?

The average Wall Street analyst price target for HUM is $315.38. This implies a potential upside of -22.3% from current levels.

HUM Stock Analysis: Buy, Sell, or Hold?

HUM - Humana Inc.

HOSPITAL & MEDICAL SERVICE PLANS

$406.00

13.78 (3.51%) ▲

5d: +3.34%

30d: +11.4%

90d: +111.29%

BUY

MODERATE Confidence

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Analysis Updated: Jul 13, 2026 12:00 AM ET

Earnings: Jul 29, 2026 14d

Smart Money Distribution

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Strength: 9.2/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
💡 BUY OPPORTUNITY: HUM shows positive signals but monitor for confirmation. Market pricing in 13.5% growth. Moderate conviction.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 25.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$539.24

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$334.82

Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 17.6x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: HUM is currently trading at $406.00, which is considered slightly high relative to its 30-day fair value range of $348.40 to $393.60. From a valuation perspective, the stock is trading at a premium (Forward PE: 25.8) compared to its historical average (17.6). At these levels, the market is pricing in 13.5% annual earnings growth.

Technical Outlook: Technically, HUM is in a strong uptrend. The price is approaching resistance at $365.22. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.5% recently.

Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $315.38. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.

Quick Decision Summary

Current Position SLIGHTLY HIGH

Historical Trading Range $348.40 - $393.60

Company Quality Score 58/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 63.8%

Protect Your Profits

HUM is technically overbought (RSI 71). Consider hedging now to protect against a potential pullback while keeping your upside.

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All Signals

NEUTRAL: Mixed technical signals (40/100)
BULLISH: High volume confirmation
BULLISH: Strong upward momentum (+3.5%)
BEARISH: Trading 22.3% above Wall St target ($315.38)
BULLISH: Expecting earnings turnaround to 13.5% growth with 23.5% revenue growth

Trading Range Analysis

30-Day Trading Range $348.40 - $393.60

Current vs Trading Range SLIGHTLY HIGH

Support & Resistance Levels

Support Level $302.04

Resistance Level $365.22

Current Trend Strong Uptrend

Technical data as of Jun 9, 2026

Fundamental Context

Forward P/E (Next Year Est.) 25.81

Wall Street Target $315.38 (-22.3%)

Revenue Growth (YoY) 23.5%

Earnings Growth (YoY) -4.6%

Profit Margin 0.8%

Valuation Premium vs History +13.5% premium

PE vs Historical 25.8 vs 17.6 STRETCHED

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +13.5% (market-implied from PE analysis)

1-Year Target $460.81 (+14%)

2-Year Target $523.02 (+29%)

3-Year Target $593.63 (+46%)

3-Yr Target (if PE normalizes) (PE: 26→18) PE COMPRESSION $404.87 (0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 25.8, Growth: 77.5%) $1370.25 (+238%)

Base: (SPY PE: 21.8, Growth: 77.5%) $1156.52 (+185%)

Bear: (PE: 17.6, Growth: 77.5%) $934.56 (+130%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (42x PE), but valuation improves significantly next year (26x PE) as earnings recover.

Trailing PE: 41.86 | Current EPS (TTM): $9.37

Bull Case $724.44 (+78%)

Analyst growth 67.9%, PE expands to 46.1

Base Case $658.58 (+62%)

Market implied 67.9%, PE stable at 41.9

Bear Case $266.71 (-34%)

Severe decline -20.0%, PE contracts to 35.6

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: July 14, 2026 2:19 AM ET
Data refreshes hourly during market hours. Next update: 3:19 AM

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Technical Signals Check

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Insider Activity (6 Months)

Buys

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Net

INSIDERS BUYING

Recent Transactions

Ro Khanna BUY 2026-03-23

Ro Khanna SELL 2026-02-24

Sanjay K Shetty BUY 810 shares 2026-02-23

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