HUM Stock Analysis: Buy, Sell, or Hold?
HUM - Humana Inc.
$368.66
4.79 (1.32%)
▲
5d:
-3.28%
30d:
-7.08%
90d:
+57.79%
BUY
HIGH Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 29, 2026
0d
Smart Money Accumulation
None View Scanner →
Strength: 8.8/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: HUM shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: HUM shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$576.99
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$358.26
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 18.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HUM is currently trading at $368.65, which is considered oversold relative to its 30-day fair value range of $373.31 to $403.52. From a valuation perspective, the stock is trading at a premium (Forward PE: 22.4) compared to its historical average (18.2). At these levels, the market is pricing in 7.0% 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 $355.81, while resistance sits at $407.34.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $401.30 (+10.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, HUM is in a strong uptrend. Immediate support is located at $355.81, while resistance sits at $407.34.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $401.30 (+10.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$373.31 -
$403.52
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
76.2%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($401.30)
- NEUTRAL: Trading at premium valuation - market expects 7.0% growth which is achievable
Trading Range Analysis
30-Day Trading Range
$373.31 -
$403.52
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$355.81
Resistance Level
$407.34
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
22.35
Wall Street Target
$401.30
(+10.3%)
Revenue Growth (YoY)
26.2%
Earnings Growth (YoY)
27.1%
Profit Margin
0.9%
Valuation Premium vs History
+7.0% premium
PE vs Historical
22.4 vs 18.2
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+7.0%
(market-implied from PE analysis)
1-Year Target
$389.33
(+7%)
2-Year Target
$416.58
(+15%)
3-Year Target
$445.74
(+23%)
3-Yr Target (if PE normalizes)
(PE: 22→18)
PE COMPRESSION
$362.97
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 79.4%)
$1228.03
(+238%)
Base:
(SPY PE: 20.7, Growth: 79.4%)
$1139.00
(+213%)
Bear:
(PE: 17.6, Growth: 79.4%)
$968.15
(+166%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (34x PE), but valuation improves significantly next year (22x PE) as earnings recover.
Trailing PE: 34.49 | Current EPS (TTM): $10.63
Bull Case
$617.69
(+70%)
Analyst growth 53.1%, PE expands to 37.9
Base Case
$561.54
(+54%)
Market implied 53.1%, PE stable at 34.5
Bear Case
$249.33
(-32%)
Severe decline -20.0%, PE contracts to 29.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 3:11 PM ET
Data refreshes hourly during market hours. Next update: 4:11 PM
Data refreshes hourly during market hours. Next update: 4:11 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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