Humana (HUM) Stock: Buy, Sell, or Hold?
HUM - Humana Inc.
$422.07
1.10 (0.26%)
▲
5d:
+2.16%
30d:
+10.98%
90d:
+10.74%
WAIT
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Nov 06, 2026
12d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: HUM shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: HUM shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$655.56
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$407.05
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 19.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HUM is currently trading at $422.07, which is considered extended relative to its 30-day fair value range of $381.56 to $420.37. From a valuation perspective, the stock is trading at a premium (Forward PE: 24.7) compared to its historical average (19.7). At these levels, the market is pricing in 7.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, HUM is in a strong uptrend. Immediate support is located at $407.50, while resistance sits at $442.99.
Market Sentiment: HUM scores 29/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $465.12 (+10.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, HUM is in a strong uptrend. Immediate support is located at $407.50, while resistance sits at $442.99.
Market Sentiment: HUM scores 29/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $465.12 (+10.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$381.56 -
$420.37
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
25.2%
Protect Your Profits
Holding HUM? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (29/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($465.12)
- NEUTRAL: Trading at premium valuation - market expects 7.9% growth which is achievable
- WARNING: Composite score 44/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$381.56 -
$420.37
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$407.50
Resistance Level
$442.99
Current Trend
Strong Uptrend
Technical data as of
Oct 23, 2026
Fundamental Context
Forward P/E (Next Year Est.)
24.70
Wall Street Target
$465.13
(+10.2%)
Revenue Growth (YoY)
26.2%
Earnings Growth (YoY)
27.1%
Profit Margin
0.9%
Valuation Premium vs History
+7.9% premium
PE vs Historical
24.7 vs 19.7
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+7.9%
(market-implied from PE analysis)
1-Year Target
$455.41
(+8%)
2-Year Target
$491.39
(+16%)
3-Year Target
$530.21
(+26%)
3-Yr Target (if PE normalizes)
(PE: 25→20)
PE COMPRESSION
$422.89
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 24.7, Growth: 86.6%)
$1424.49
(+238%)
Base:
(SPY PE: 19.9, Growth: 86.6%)
$1145.39
(+171%)
Bear:
(PE: 16.9, Growth: 86.6%)
$973.58
(+131%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (40x PE), but valuation improves significantly next year (25x PE) as earnings recover.
Trailing PE: 40.21 | Current EPS (TTM): $10.47
Bull Case
$755.78
(+79%)
Analyst growth 63.2%, PE expands to 44.2
Base Case
$687.07
(+63%)
Market implied 63.2%, PE stable at 40.2
Bear Case
$286.26
(-32%)
Severe decline -20.0%, PE contracts to 34.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 24, 2026 5:57 AM ET
Data refreshes hourly during market hours. Next update: 6:57 AM
Data refreshes hourly during market hours. Next update: 6:57 AM
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Technical Signals Check
Is HUM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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