Humana Inc (HUM) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Humana Inc stock (HUM) is currently trading at $169.90. Humana Inc PE ratio is 16.92. Humana Inc PS ratio (Price-to-Sales) is 0.16. Analyst consensus price target for HUM is $212.17. WallStSmart rates HUM as Hold.
- HUM PE ratio analysis and historical PE chart
- HUM PS ratio (Price-to-Sales) history and trend
- HUM intrinsic value — DCF, Graham Number, EPV models
- HUM stock price prediction 2025 2026 2027 2028 2029 2030
- HUM fair value vs current price
- HUM insider transactions and insider buying
- Is HUM undervalued or overvalued?
- Humana Inc financial analysis — revenue, earnings, cash flow
- HUM Piotroski F-Score and Altman Z-Score
- HUM analyst price target and Smart Rating
Humana Inc
📊 No data available
Try selecting a different time range
HUM Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Humana Inc (HUM)
HUM trades 157% above its Graham fair value of $68.27, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Humana Inc (HUM) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, price/sales. Concerns around return on equity and operating margin. Fundamentals are solid but monitor weak areas for improvement.
Humana Inc (HUM) Key Strengths (5)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
104.22% of shares held by major funds and institutions
Large-cap company with substantial market presence
Trading at 1.13x book value, attractively priced
Supporting Valuation Data
Humana Inc (HUM) Areas to Watch (5)
Losing money on operations
Earnings declining -59.30%, profits shrinking
Very thin margins, barely profitable
Low profitability relative to shareholder equity
Solid revenue growth at 11.30% per year
Humana Inc (HUM) Detailed Analysis Report
Overall Assessment
This company scores 58/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.4/10) while 5 fall into concern territory (avg 2.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, Institutional Own.. Valuation metrics including PEG Ratio (0.97), Price/Sales (0.16), Price/Book (1.13) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Operating Margin, EPS Growth, Profit Margin. Growth concerns include Revenue Growth at 11.30%, EPS Growth at -59.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.04%, Operating Margin at -1.79%, Profit Margin at 0.92%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.04% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Price/Sales) and negatives (Operating Margin, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WallStSmart Analysis Synopsis
Data-driven financial summary for Humana Inc (HUM) · HEALTHCARE › HEALTHCARE PLANS
The Big Picture
Humana Inc is a mature, profitable business with steady cash generation. Revenue reached 129.7B with 11% growth year-over-year. Profit margins are strong at 92.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 704.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Free cash flow is -1.9B, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
Earnings fell 59% YoY while revenue grew 11%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Sector dynamics: monitor HEALTHCARE PLANS industry trends, competitive moves, and regulatory changes that could impact Humana Inc.
Bottom Line
Humana Inc is a well-established business delivering consistent profitability with 92.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(41 last 3 months)
| Insider | Type | Shares |
|---|---|---|
MARTIN, AARON President, Medicare Advantage | Buy | +17,031 |
Data sourced from SEC Form 4 filings
Last updated: 10:10:36 AM
About Humana Inc(HUM)
NYSE
HEALTHCARE
HEALTHCARE PLANS
USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.