HUM Stock Analysis: Buy, Sell, or Hold?
HUM - Humana Inc.
$406.00
13.78 (3.51%)
▲
5d:
+3.34%
30d:
+11.4%
90d:
+111.29%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 29, 2026
14d
Smart Money Distribution
None View Scanner →
Strength: 9.2/10
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1 traders called HUM this week
100% bullish • 0 bearish
100% bullish • 0 bearish
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.
💡 BUY OPPORTUNITY: HUM shows positive signals but monitor for confirmation. Market pricing in 13.5% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
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.
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.
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.
View Profit Protection PlanAll 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.
Share & Embed Analysis
Last updated: July 13, 2026 8:43 PM ET
Data refreshes hourly during market hours. Next update: 9:43 PM
Data refreshes hourly during market hours. Next update: 9:43 PM
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Technical Signals Check
Is HUM showing a specific setup today?
Insider Activity (6 Months)
2
Buys
1
Sells
+
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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