What Is HUM Fair Value?
Humana (HUM) fair value estimate using multiple valuation models, updated daily.
As of August 29, 2026, Humana (HUM) has a composite fair value estimate of $246.67 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $385.54, suggesting the stock is overvalued by 36.0%.
Data as of August 29, 2026 (today)
Composite Fair Value
Overvalued4 of 4 models$246.67
vs. current price of $385.54(-36.0%)
How Is HUM Fair Value Calculated?
Four independent models estimate what HUM is worth. Each uses different inputs and assumptions. The composite blends them by weight.
HUM Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$411.51
+6.7%Fair Value
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$59.78
-84.5%Overvalued
Inputs used
HUM Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$181.52
-52.9%Overvalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$91.53
-76.3%Overvalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $385.54 is 6.7% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $2.04B | $1.90B |
| Year 2 | $2.14B | $1.85B |
| Year 3 | $2.25B | $1.81B |
| Year 4 | $2.36B | $1.77B |
| Year 5 | $2.48B | $1.73B |
| Year 6 | $2.60B | $1.69B |
| Year 7 | $2.73B | $1.65B |
| Year 8 | $2.87B | $1.61B |
| Year 9 | $3.01B | $1.58B |
| Year 10 | $3.16B | $1.54B |
| Terminal Value | $65.42B | $31.88B |
What Are HUM's Key Financial Metrics?
Earnings & Growth
Current Price
$385.54
EPS (TTM)
$10.37
Forward P/E
23.3
Profit Margin
0.9%
Cash & Balance Sheet
Free Cash Flow
1.9B
EBITDA
3.6B
Book Value
$160.00
Total Debt
14.7B
What Do Analysts Say About HUM?
Low
$280.00
Average
$418.61
High
$513.00
Upside
+8.6%
HUM Fair Value FAQ
What is the fair value of HUM?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), HUM's estimated fair value is $246.67. The stock is currently trading at $385.54, which makes it overvalued by our analysis.
How is HUM's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is HUM overvalued or undervalued?
Based on our analysis, HUM is overvalued. The current price of $385.54 is 36.0% above our estimated fair value of $246.67.
What do Wall Street analysts say about HUM?
23 analysts cover Humana with a consensus rating of "Buy." The average price target is $418.61, ranging from $280.00 to $513.00. This implies 8.6% upside from the current price.