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As of October 11, 2026, Humana Inc. (HUM) trades at $431.87. CleaRank Financial AI rates it Hold with a fair value of $431.87, in line with the current price. Wall Street's consensus target is $420.00 across 26 analysts. RSI at 69 is in neutral territory, and the price is above its 50-day average of $388.02.
Humana Inc. (HUM)
Humana Inc. NYSE
$431.87
44.75 (11.56%)
At close: Oct 9, 4:00 PM EDT
AI Analyst Consensus
59 / 100
Humana Inc. (HUM) is currently trading at $431.87, with its fair value assessed at the same price, indicating no immediate upside based on internal valuation. The company has demonstrated strong revenue growth, with current year estimates showing a +26.00% increase to $162.8 billion and next year projected at +3.00% to $168.3 billion. This top-line expansion is a key driver for the healthcare sector. However, the consensus analyst rating is 'Hold', supported by a Wall Street score of 59 out of 100, reflecting a divided opinion among analysts. The median analyst price target of $420.00 is slightly below the current trading price, suggesting limited near-term upside from this perspective. Insiders have shown conviction, with a net buying stance and $1.6 million in total purchases versus zero sales, signaling moderate positive sentiment from management. Despite this, the stock's valuation metrics and mixed analyst sentiment warrant a cautious approach.
HUM Price Analysis
Market Metrics
Open
$450.49
Day Range
$428.45 to $456.50
Prev Close
$387.12
Volume
4.99M
52-Week Range
$163.11 to $456.50
Market Cap
$51.86B
Peer Benchmarking
Valuation vs Sector (Healthcare)
Performance vs XLV
Sector Position Analysis
Valuation is broadly in line with sector peers (15% difference), suggesting fair market pricing relative to industry standards.
HUM Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 4 quarters, HUM beat estimates 3 times. The stock rose 2 times the next day. Price tends to react positively to beats.
HUM Analysis
Company's Health
4/5
12-Month Analyst Target
-2.75% Downside
Median of 26 analysts (12-month)
$420.00
AI Technical Analysis
Humana Inc. (HUM) exhibits bullish momentum with its Relative Strength Index (RSI) at 69.41, indicating the stock is approaching overbought territory but still within a strong upward trend. The stock is trading above its 50-day Simple Moving Average (SMA) of $388.02 and its 200-day SMA of $296.89, confirming an uptrend. The 20-day Exponential Moving Average (EMA) at $394.42 also supports this upward trajectory. Volume has been significantly above average, with the latest volume at 4.99 million compared to an average of 1.94 million, suggesting strong investor interest. The MACD at 4.35 further supports bullish momentum. Key support levels are indicated by the moving averages, while the RSI suggests caution against further rapid gains without consolidation.
ProTips
- Insider buying totaling $1.6 million suggests a moderate level of confidence from management in Humana Inc.'s (HUM) future prospects.
- The stock is trading above key moving averages (50-day SMA $388.02, 200-day SMA $296.89) and shows bullish momentum on the RSI, indicating a positive technical setup.
- Given the current price is at fair value and the median analyst target is slightly below, consider waiting for a pullback or clearer positive catalyst before initiating a new position.
Key Catalysts
Bullish
Insider Net Buying Activity
Insiders have purchased $1.6 million worth of Humana Inc. (HUM) stock with no reported sales, indicating management confidence and potentially signaling undervaluation.
Source: Insider Trading DataBullish
Strong Revenue Growth Projections
Analysts project significant revenue growth for Humana Inc. (HUM), with current year estimates at $162.8 billion (+26.00% YoY) and next year at $168.3 billion (+3.00% YoY), supporting future earnings potential.
Source: Wall Street EstimatesBullish
Positive EPS Surprise in Latest Quarter
Humana Inc. (HUM) exceeded earnings expectations for the quarter ending June 2026, reporting $7.61 EPS against an estimate of $7.00, a positive sign for operational performance.
Source: Earnings ReportBearish
Mixed Analyst Consensus and Target Price Below Current
Humana Inc. (HUM) has a 'Hold' consensus rating from analysts, with the median price target of $420.00 below the current stock price of $431.87, suggesting limited upside potential.
Source: Wall Street ConsensusBearish
Projected Decrease in Current Year EPS
Current year EPS estimates for Humana Inc. (HUM) are projected to decrease to $9.16 from $17.14 in the prior year, indicating potential near-term profitability challenges.
Source: Wall Street EstimatesMarket Outlook
Humana Inc. (HUM) is expected to see its EPS grow significantly in the next fiscal year, with estimates reaching $16.67, a substantial increase from the current year's projected $9.16. This forward-looking growth, coupled with strong revenue projections of $168.3 billion for 2027, suggests a positive trajectory for the company's top and bottom lines. The company's strong revenue growth and positive insider sentiment provide a foundation for potential appreciation, although the current price trading at fair value and a mixed analyst consensus temper immediate enthusiasm. Key upside catalysts could include continued strong execution on revenue growth, favorable regulatory changes, or a significant positive shift in analyst sentiment. Conversely, a failure to meet earnings expectations, increased competition, or adverse regulatory actions could pressure the stock price downwards.
Key Statistics
| Market Cap | 51.86B |
|---|---|
| P/E Ratio | 36.59 |
| EPS (TTM) | 10.58 |
| Dividend Yield | 0.82% |
| 52 Week High | 456.50 |
| 52 Week Low | 163.11 |
Humana Inc. (HUM) presents a mixed fundamental picture, with a price-to-sales ratio of 0.32, which is below the sector median of 3.7, suggesting it may be undervalued on a sales basis. However, its Return on Equity (ROE) stands at 6.89%, slightly below the sector median of 6.9%, and its profit margin is 0.88%, indicating modest profitability. The company's debt-to-equity ratio is 0.76, which is in line with the sector average. Despite strong revenue growth, the current valuation appears stretched given the modest profitability and ROE compared to sector averages.
Earnings & Growth Analysis
Humana Inc. (HUM) recently reported earnings for the quarter ending June 2026, with an actual EPS of $7.61, surpassing the estimated $7.00 by 8.71% and leading to a 0.34% price increase. Prior to this, the company missed estimates in the March 2026 quarter, reporting $10.31 versus an estimate of $10.20, with a slight price decrease of -2.75%. The company has a history of mixed earnings performance, with a significant loss reported in the December 2025 quarter (-$3.96 actual vs. -$3.99 estimate). Forward estimates for the current year project an EPS of $9.16, a significant decrease from the prior year's $17.14, but next year's estimate shows strong growth to $16.67.
Key Risks
Humana Inc. (HUM) faces risks related to its valuation, as the current stock price of $431.87 is at its fair value, with the median analyst target price of $420.00 suggesting limited upside potential. While insider buying indicates confidence, the mixed analyst consensus and a projected decrease in current year EPS from $17.14 to $9.16 present a significant concern for near-term performance. Also, the company operates in the highly regulated healthcare sector, where changes in policy or reimbursement rates could materially impact profitability.
Technical Indicators
| RSI (14) | 69.41 |
|---|---|
| MACD | 4.35 |
| SMA 50 | 388.02 |
| SMA 200 | 296.89 |
RSI
Bullish
SMA Cross
Bullish
Price vs SMA
Bullish
MACD
Bullish
Golden Cross in effect with the 50-day SMA ($388.02) above the 200-day SMA ($296.89), price action is firmly bullish above key moving averages.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.16
Weak correlation
Nasdaq 100 (QQQ)
+0.11
Weak correlation
Bitcoin (BTC)
+0.21
Weak correlation
Gold (XAU)
-0.04
Weak correlation
Check Custom Correlation
How does any other asset move with HUM? One year of daily closes, Pearson correlation.
Try
HUM Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies pick an entry style
Conservative
$427.55
Slight discount to current
Wait for small dip
Aggressive
$431.87
At current price
Enter now if confident
Risk Management
STOP LOSS
$385.57
MAX LOSS
-9.8%
Volatility-Adjusted Stop Loss
Calculated based on RSI (69.4) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$440.38
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$448.93
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$461.76
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for HUM is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on October 11, 2026.Growth of $10,000
A $10,000 investment in HUM in October 2016 would be worth about $24,327 today, compared with about $36,479 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in HUM today could grow to about $22,132 by 2036 in the base case, with a bull case near $92,462 and a bear case around $5,297. Projections are statistical simulations, not guarantees.
HUM Stock Price Prediction: 2030
CleaRank's simulation projects a price near $593 for HUM by 2030 in the base case, from $432 today (1.4x over 4 years). The downside path ends near $240. These are outcomes of a Monte Carlo simulation run on HUM's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $298 | $468 | $735 |
| 2028 | $267 | $506 | $960 |
| 2029 | $250 | $548 | $1,199 |
| 2030 | $240 | $593 | $1,466 |
| 2031 | $234 | $642 | $1,766 |
| 2032 | $230 | $696 | $2,105 |
| 2033 | $228 | $753 | $2,491 |
| 2034 | $227 | $815 | $2,929 |
| 2035 | $227 | $883 | $3,427 |
| 2036 | $229 | $956 | $3,993 |
Method: 10,000 simulated price paths using HUM's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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HUM Insider Trading Analysis
Bought
$1.6M
2 Transactions
Sold
None
No open-market sells
Insiders
17
Active Traders
Avg Transaction
$823.5K
Moderate size
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Nov 4, 2020 | BROUSSARD BRUCE D.
Chief Executive Officer
|
Sell | 64.6K | $29.1M |
| Nov 5, 2021 | BROUSSARD BRUCE D.
Chief Executive Officer
|
Sell | 50.0K | $22.7M |
| Nov 5, 2020 | KANE BRIAN A
Chief Financial Officer
|
Sell | 49.2K | $21.9M |
| Nov 3, 2022 | WHEATLEY TIMOTHY ALAN
Officer
|
Sell | 22.6K | $12.8M |
| Feb 23, 2021 | BROUSSARD BRUCE D.
Chief Executive Officer
|
Sell | 27.5K | $10.4M |
| Feb 27, 2023 | BROUSSARD BRUCE D.
Chief Executive Officer
|
Sell | 17.6K | $8.9M |
| Feb 22, 2019 | BROUSSARD BRUCE D.
Chief Executive Officer
|
Sell | 24.4K | $7.6M |
| Dec 21, 2022 | JONES DAVID A JR
Director
|
Sell | 15.0K | $7.5M |
| Feb 25, 2019 | BILNEY JODY L
Officer
|
Sell | 23.3K | $7.2M |
| Nov 4, 2020 | WHEATLEY TIMOTHY ALAN
Officer
|
Sell | 15.3K | $6.8M |
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Frequently Asked Questions
Is Humana Inc. stock a buy right now?
Humana Inc. (HUM) is currently rated a 'Hold' by analysts, with a consensus score of 59. The stock is trading at $431.87, which is at its fair value, and the median analyst target price is $420.00, suggesting limited upside. While insiders are net sellers, the mixed analyst outlook and projected decrease in current year EPS warrant caution.
What is Humana Inc.'s fair value?
Humana Inc.'s (HUM) fair value is assessed at $431.87, which is its current trading price. This implies no immediate upside based on the internal valuation model.
What are the key risks for Humana Inc.?
Key risks for Humana Inc. (HUM) include its current valuation being at fair value with limited analyst upside, a projected decrease in current year EPS, and the inherent regulatory risks within the healthcare sector.
What is the analyst consensus for Humana Inc. stock?
The analyst consensus for Humana Inc. (HUM) is 'Hold', with a Wall Street score of 59 out of 100. This is based on 26 analysts, with 11 rating it 'Buy', 12 'Hold', and 1 'Sell'.
How has Humana Inc. performed in recent earnings reports?
Humana Inc. (HUM) recently beat earnings estimates for the quarter ending June 2026, reporting $7.61 EPS versus an estimate of $7.00. However, prior quarters showed mixed results, including a miss in March 2026 and a loss in December 2025.
What is Humana Inc.'s revenue growth outlook?
Humana Inc. (HUM) is projected to experience strong revenue growth, with current year estimates at $162.8 billion (+26.00% year-over-year) and next year's estimates at $168.3 billion (+3.00% year-over-year).
What is Humana Inc.'s stock forecast for 2030?
According to Monte Carlo simulations, Humana Inc.'s (HUM) stock forecast for 2030 shows a base case price of $593.41 and a downside case of $240.23. These are statistical outcomes, not guaranteed price targets.