HUM

SELL

Humana Inc.

Healthcare · Rank #434 · Analyzed Apr 20, 2026

$205.14

Current Price

$522.96

Intrinsic Value

0.0%

Upside/Downside

1/10

Score

1/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score1/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 0.0%

Fair Value Range

Low$118.19

Base (IV)$522.96

High$748.96

Entry Points

Conservative$118.19

Moderate$320.58

Aggressive$522.96

⚠️ Warnings

Upside capped: raw 265% exceeds 200% — valuation unreliable

Quality & Moat Breakdown

Return on Equity7.0% → 0/1.0

Debt LevelD/E 75 → 0/1.0

Revenue QualityGrowth 10.1%, margin Δ+0.0% +recovery → 1.0/1.0

Moat Strength2.0/5 → 0/1.0

Profit Margins0.9% → 0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.