HUM

SELL

Humana Inc.

Healthcare · Rank #430 · Analyzed Jul 13, 2026

$392.22

Current Price

$290.59

Intrinsic Value

-25.9%

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 25.9%

Fair Value Range

Low$46.13

Base (IV)$290.59

High$341.64

Entry Points

Conservative$32.29

Moderate$46.13

Aggressive$203.42

Quality & Moat Breakdown

Return on Equity6.3% → 0/1.0

Debt LevelD/E 77 → 0/1.0

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

Moat Strength1.5/5 → 0/1.0

Profit Margins0.8% → 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.