Humana Inc. (HUM) fair value analysis
S&P 500 · Updated 2026-10-19
HUM price how computed
Forward Fair Value verdict
OvervaluedHUM is trading at more than a 25% premium to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $431.87
- Sector
- Healthcare
- 12-month range
- $163.67–$433.50
- Market cap
- $51.9B
- From 52-week high
- -0.4%
- Shares outstanding
- 120M
- Rank in Healthcare by discount to fair value
- #90 of 108
Last price is our 2026-10-19 weekly price; the chart runs through 2026-10-16.
Humana Inc. is a healthcare company that provides health insurance coverage and related healthcare services to millions of individuals. The company operates throughout the United States, serving customers through various insurance products including Medicare, Medicaid, and commercial health plans.
HUM currently ranks #90 of 108 Healthcare stocks by discount to fair value. It has screened as Overvalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $51.9B
- P/E (trailing)
- 25x
- Revenue (TTM)
- $146B
- Net margin
- 0.9%
- EPS (TTM)
- $17.20
- Gross margin
- 13.5%
- Debt / equity
- 0.74
- Revenue growth (3-yr avg)
- 18.2%
- Shares outstanding
- 120M
Derived indicators how computed
- Quality grade
- F
- Margin trend
- Contracting
- 52-week position
- The top quarter of its range
Technicals how computed
- RSI (14-day)
- 55 · neutral
- 50-day average
- $393.92
- 200-day average
- $301.06
- Moving-average state
- 50-day above 200-day (golden cross state); price above both averages
Dividends how computed
- Paid, last 12 months
- $2.66 per share (3 payments)
- Yield on last price
- 0.61%
- Consecutive years of increases
- 0 (no streak on complete calendar years)
- Next ex-dividend date
- 2026-10-30
- Last payment date
- 2026-07-31
Earnings how computed
- Next earnings report
- 2026-11-06 (pre-market)
- Last 8 quarters vs consensus
- 7 beat, 1 missed
- Quarter by quarter
- 2026-06 ▲ beat (+22.3%)
2026-03 ▲ beat (+1.1%)
2025-12 ▲ beat (+0.8%)
2025-09 ▲ beat (+11.3%)
2025-06 ▲ beat (+6.8%)
2025-03 ▲ beat (+15.0%)
2024-12 ▼ miss (-1.9%)
2024-09 ▲ beat (+22.7%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 13 buy · 12 hold · 1 sell (26 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $465
- Target vs last price
- +7.7%
What our data shows for HUM
- Our model validated 17 trailing price-to-earnings windows for HUM, built from quarterly earnings records.
- Shares are trading in the upper third of their 12-month price range of $163.67–$433.50.
- The 14-day relative strength index sits at a neutral 55.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for HUM
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent HUM news
TickrTrends' derived news-sentiment signal for HUM is currently leaning positive, computed from recent coverage.
- A Look at Humana Inc (HUM) After 4.4% Decline -- GF Value $382.97 vs Price $413.16 (gurufocus.com, 2026-10-16)
TickrTrends take: Humana Inc trades at a premium to its GuruFocus estimated value, which aligns with TickrTrends' overvalued designation for the Healthcare sector stock. The current price sits above the calculated intrinsic value estimate, suggesting limited margin of safety for value-oriented investors at present levels. Given the recent price decline, valuation-focused readers should monitor whether further weakness brings the stock closer to its fundamental value or if the premium persists despite market pressure. - Humana (HUM) Gets a Major Ratings Boost. Can Earnings Justify the Valuation? (insidermonkey.com, 2026-10-12)
TickrTrends take: Humana received a ratings boost, which typically reflects improved analyst sentiment about the company's prospects or operational performance. However, TickrTrends currently assesses HUM as overvalued, suggesting that market pricing may already be elevated relative to fundamental metrics. Investors focused on valuation should monitor whether upcoming earnings reports demonstrate earnings growth substantial enough to support the current stock price, particularly given that the Healthcare sector can experience significant valuation fluctuations based on regulatory and competitive developments. - HUM Upgraded by Raymond James -- Price Target Announced at $520 (gurufocus.com, 2026-10-12)
TickrTrends take: Raymond James has upgraded HUM with a price target of $520, which represents analyst confidence in the company's prospects within the Healthcare sector. However, TickrTrends currently assesses HUM as overvalued at its present trading level, suggesting that the Raymond James price target may not fully account for current market pricing. Valuation-focused readers should monitor whether HUM's stock moves toward the $520 target or whether the overvalued assessment proves more predictive of near-term performance.
More HUM news
- Humana Stock: Star Ratings Progress Doesn’t Erase Valuation Concerns (NYSE:HUM) (seekingalpha.com, 2026-10-11)
What people are saying
Follow the HUM conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-06 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is HUM stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), HUM is trading at more than a 25% premium to estimated fair value and screens as overvalued. The exact fair value and discount are available to subscribers.
What is HUM's TickrTrends verdict?
HUM's current verdict is Overvalued, refreshed with every weekly Forward Fair Value run.
How does HUM compare to other Healthcare stocks?
HUM ranks #90 of 108 Healthcare stocks in TickrTrends' coverage by discount to fair value.
Is HUM overbought or oversold?
HUM's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does HUM pay a dividend?
Yes. HUM paid $2.66 per share over the last twelve months (3 payments), a 0.61% yield on TickrTrends' last price. The next ex-dividend date on file is 2026-10-30.
When does HUM report earnings next?
HUM's next earnings report is scheduled for 2026-11-06 (pre-market), per the published earnings calendar.
Does HUM usually beat earnings estimates?
Over its last 8 reported quarters HUM beat the consensus estimate 7 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about HUM?
Of 26 analysts covering HUM, 13 rate it a buy, 12 a hold and 1 a sell - buy-leaning, with a consensus price target of $465 (+7.7% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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