What is the fair value of HUM stock?

Our analysis estimates the fair value range for HUM to be between $371.14 and $398.23. The current price is $378.88.

What is the analyst price target for HUM?

The average Wall Street analyst price target for HUM is $416.43. This implies a potential upside of 9.9% from current levels.

HUM Stock Analysis: Buy, Sell, or Hold?

HUM - Humana Inc.

HOSPITAL & MEDICAL SERVICE PLANS

$378.88

-1.85 (-0.49%) ▼

5d: -2.61%

30d: -3.96%

90d: +24.76%

HOLD

MODERATE Confidence

Protect Your HUM Gains

Analysis Updated: Aug 21, 2026 12:00 AM ET

Earnings: Jul 29, 2026 0d

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Aug 19, 2026 at $375.00 · last confirmed Aug 21, 2026

Strength: 6.5/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 HOLD: HUM trades at premium valuation expecting 7.1% 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

$600.11

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$372.62

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 18.6x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: HUM is currently trading at $378.88, which is considered fair relative to its 30-day fair value range of $371.14 to $398.23. From a valuation perspective, the stock is trading at a premium (Forward PE: 22.9) compared to its historical average (18.6). At these levels, the market is pricing in 7.1% 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. The price is currently testing key support at $370.38. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: The stock scores a mixed 54/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. 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 $371.14 - $398.23

Company Quality Score 60/100 (BUY)

Volume Confirmation HIGH

Confidence Score 66.7%

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All Signals

NEUTRAL: Price in fair range
NEUTRAL: Mixed technical signals (54/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($416.43)
NEUTRAL: Trading at premium valuation - market expects 7.1% growth which is achievable
NEUTRAL: Bottoming setup forming (54/100) — watch for confirmation

Trading Range Analysis

30-Day Trading Range $371.14 - $398.23

Current vs Trading Range FAIR

Support & Resistance Levels

Support Level $370.38

Resistance Level $393.48

Current Trend Strong Uptrend

Technical data as of Aug 21, 2026

Fundamental Context

Forward P/E (Next Year Est.) 22.87

Wall Street Target $416.43 (+9.9%)

Revenue Growth (YoY) 26.2%

Earnings Growth (YoY) 27.1%

Profit Margin 0.9%

Valuation Premium vs History +7.1% premium

PE vs Historical 22.9 vs 18.6 STRETCHED

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +7.1% (market-implied from PE analysis)

1-Year Target $405.78 (+7%)

2-Year Target $434.59 (+15%)

3-Year Target $465.45 (+23%)

3-Yr Target (if PE normalizes) (PE: 23→19) PE COMPRESSION $378.57 (0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 22.9, Growth: 81.0%) $1278.72 (+238%)

Base: (SPY PE: 20.1, Growth: 81.0%) $1122.25 (+196%)

Bear: (PE: 17.1, Growth: 81.0%) $953.92 (+152%)

📈 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: 35.72 | Current EPS (TTM): $10.66

Bull Case $650.91 (+72%)

Analyst growth 55.4%, PE expands to 39.3

Base Case $591.74 (+56%)

Market implied 55.4%, PE stable at 35.7

Bear Case $258.90 (-32%)

Severe decline -20.0%, PE contracts to 30.4

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

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Last updated: August 23, 2026 7:38 PM ET
Data refreshes hourly during market hours. Next update: 8:38 PM

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Insider Activity (6 Months)

Buys

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Net

NEUTRAL

Recent Transactions

Ro Khanna BUY 2026-03-23

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