HUM

SELL

Humana Inc.

Healthcare · Rank #444 · Analyzed Oct 18, 2026

$413.16

Current Price

$407.01

Intrinsic Value

-1.5%

Upside/Downside

1/10

Score

1/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score1/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 1.5%

Fair Value Range

Low$46.12

Base (IV)$407.01

High$526.87

Entry Points

Conservative$32.29

Moderate$46.12

Aggressive$284.91

Quality & Moat Breakdown

Return on Equity6.9% → 0/1.0

Debt LevelD/E 76 → 0/1.0

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

Moat Strength1.5/5 → 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.