What is the fair value of HUM stock?

Our analysis estimates the fair value range for HUM to be between $381.77 and $401.43. The current price is $388.36.

What is the analyst price target for HUM?

The average Wall Street analyst price target for HUM is $423.74. This implies a potential upside of 9.1% from current levels.

Humana (HUM) Stock: Buy, Sell, or Hold?

HUM - Humana Inc.

HOSPITAL & MEDICAL SERVICE PLANS

$388.36

8.68 (2.29%) ▲

5d: -2.4%

30d: -3.14%

90d: -1.15%

HOLD

LOW Confidence

Protect Your HUM Gains

Analysis Updated: Oct 2, 2026 12:00 AM ET

Earnings: Nov 06, 2026

Smart Money Distribution

Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →

Signal fired Sep 29, 2026 at $387.91 · last confirmed Sep 29, 2026

Strength: 4.6/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 HOLD: HUM trades at premium valuation expecting 6.6% growth. Hold existing positions but don't chase. Wait for better entry.

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

$623.61

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$387.21

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 19.3x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: HUM is currently trading at $388.36, which is considered fair relative to its 30-day fair value range of $381.77 to $401.43. From a valuation perspective, the stock is trading at a premium (Forward PE: 23.4) compared to its historical average (19.3). At these levels, the market is pricing in 6.6% 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 $369.13, while resistance sits at $413.57.

Market Sentiment: HUM scores 66/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position FAIR

Historical Trading Range $381.77 - $401.43

Company Quality Score 65/100 (BUY)

Volume Confirmation HIGH

Confidence Score 77.6%

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All Signals

NEUTRAL: Price in fair range
BULLISH: Strong technical setup (66/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($423.74)
NEUTRAL: Trading at premium valuation - market expects 6.6% growth which is achievable
CAUTION: Bottoming setup, but lagging the sector by 19% over 20 days — wait for relative strength

Trading Range Analysis

30-Day Trading Range $381.77 - $401.43

Current vs Trading Range FAIR

Support & Resistance Levels

Support Level $369.13

Resistance Level $413.57

Current Trend Strong Uptrend

Technical data as of Oct 2, 2026

Fundamental Context

Forward P/E (Next Year Est.) 23.41

Wall Street Target $423.74 (+9.1%)

Revenue Growth (YoY) 26.2%

Earnings Growth (YoY) 27.1%

Profit Margin 0.9%

Valuation Premium vs History +6.6% premium

PE vs Historical 23.4 vs 19.3 STRETCHED

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +6.6% (market-implied from PE analysis)

1-Year Target $413.99 (+7%)

2-Year Target $441.32 (+14%)

3-Year Target $470.44 (+21%)

3-Yr Target (if PE normalizes) (PE: 23→19) PE COMPRESSION $387.91 (0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 23.4, Growth: 81.2%) $1310.72 (+238%)

Base: (SPY PE: 20.4, Growth: 81.2%) $1142.38 (+194%)

Bear: (PE: 17.3, Growth: 81.2%) $971.02 (+150%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (36x PE), but valuation improves significantly next year (23x PE) as earnings recover.

Trailing PE: 35.92 | Current EPS (TTM): $10.57

Bull Case $655.60 (+69%)

Analyst growth 57.0%, PE expands to 39.5

Base Case $596.00 (+54%)

Market implied 57.0%, PE stable at 35.9

Bear Case $258.18 (-34%)

Severe decline -20.0%, PE contracts to 30.5

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

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Last updated: October 03, 2026 10:23 AM ET
Data refreshes hourly during market hours. Next update: 11:23 AM

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Insider Activity (6 Months)

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Advanced HUM Option Strategies

Professional options setups generated by AI based on today's HUM price and gamma walls.

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