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As of September 27, 2026, Humana Inc. (HUM) trades at $397.93. CleaRank Financial AI rates it Hold with a fair value of $415.00, 4.3% above the current price. Wall Street's consensus target is $415.00 across 26 analysts. RSI at 48 is in neutral territory, and the price is above its 50-day average of $386.74.
Humana Inc. (HUM)
Humana Inc. NYSE
$397.93
17.61 (4.63%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
59 / 100
Humana Inc. (HUM) is currently trading at $397.93, above its 50-day and 200-day moving averages ($386.74 and $290.20), indicating a generally positive technical trend. The company has demonstrated strong revenue growth of 26.2% in the latest reported period, outpacing its sector peers. Insider activity shows a net buying signal, with $1.6 million in purchases and no reported sales, suggesting management confidence. However, the stock's valuation, with a P/E ratio of 37.65, is higher than the sector median of 31.9, and the upside to the median analyst price target of $415.00 is a modest 4.3%. The mixed Wall Street consensus, leaning towards 'Hold', further tempers immediate bullish sentiment. The company's profitability metrics, including a net profit margin of 0.88% and an operating margin of 3.46%, are below the sector averages, and its return on equity at 6.89% is in line with the sector median. Despite these fundamental considerations, the strong revenue growth and positive insider transactions provide a foundation for potential future appreciation. Key risks include the narrow analyst upside and the potential for increased competition within the healthcare plans sector.
HUM Price Analysis
Market Metrics
Open
$389.70
Day Range
$386.71 to $413.57
Prev Close
$380.32
Volume
1.94M
52-Week Range
$163.11 to $428.88
Market Cap
$47.78B
Peer Benchmarking
Valuation vs Sector (Healthcare)
Performance vs XLV
Sector Position Analysis
Valuation is broadly in line with sector peers (18% 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
+4.29% Upside
Median of 26 analysts (12-month)
$415.00
AI Technical Analysis
At 47.79, the RSI for Humana Inc. (HUM) indicates neutral momentum, suggesting neither overbought nor oversold conditions. The stock is trading above its 50-day and 200-day moving averages ($386.74 and $290.20), as well as its 20-day EMA ($388.51), signaling an overall upward trend. MACD is slightly negative at -1.13, indicating a potential short-term bearish divergence, but this is counteracted by the positive positioning relative to key moving averages. Volume has been notably strong, with the latest volume of 1.94 million shares being 83.8% above the average, suggesting increased investor interest. Key support levels are found around the 50-day SMA of $386.74, while resistance may emerge near the current price or previous highs. The current technical setup suggests a consolidation phase with potential for a breakout, contingent on broader market sentiment and company-specific news.
ProTips
- Consider the narrow upside to the median analyst price target of $415.00, suggesting limited immediate appreciation potential.
- Monitor upcoming earnings reports for signs of margin improvement, as current profit margins are below sector averages.
- Given the 'Hold' consensus and mixed technicals, consider position sizing carefully and potentially waiting for a clearer trend signal or a more compelling entry point.
Key Catalysts
Bullish
Strong Insider Buying Activity
Insiders have made net purchases totaling $1.6 million with no reported sales, indicating strong confidence in the company's future prospects.
Source: Insider Trading DataBullish
Strong Revenue Growth
The company reported a significant 26.2% revenue growth, outpacing the sector average and demonstrating strong market demand for its services.
Source: Company FinancialsBullish
Positive Earnings Surprise in Latest Quarter
Humana Inc. beat EPS estimates by 8.71% in the quarter ending June 2026, leading to a slight positive price reaction.
Source: Earnings ReportBearish
Mixed Wall Street Consensus
The majority of analysts rate Humana Inc. as 'Hold', with only a few 'Buy' ratings and one 'Sell', suggesting a lack of strong conviction for immediate upside.
Source: Analyst RatingsBearish
Valuation Premium Relative to Sector P/E
Humana Inc.'s P/E ratio of 37.65 is higher than the healthcare sector median of 31.9, potentially limiting upside if earnings growth does not accelerate.
Source: Company Financials & Sector DataMarket Outlook
The base case outlook for Humana Inc. (HUM) suggests a modest upside to its median analyst price target of $415.00, implying a potential gain of 4.3% from the current price of $397.93. The company's strong revenue growth and positive insider sentiment provide a supportive backdrop. However, the mixed Wall Street consensus and relatively narrow upside limit immediate bullish conviction. Upside potential could be realized if the company demonstrates improved profit margins or exceeds forward earnings expectations, particularly given the projected strong EPS growth for next year. Conversely, a failure to improve profitability, increased regulatory scrutiny within the healthcare sector, or intensified competition could pressure the stock. The current valuation, while higher than the sector median P/E, is somewhat supported by its strong revenue growth, but any significant deterioration in margins would be a key bearish catalyst.
Key Statistics
| Market Cap | 47.78B |
|---|---|
| P/E Ratio | 37.65 |
| EPS (TTM) | 10.57 |
| Dividend Yield | 0.89% |
| 52 Week High | 428.88 |
| 52 Week Low | 163.11 |
Humana Inc. (HUM) exhibits a Price-to-Earnings ratio of 37.65, which is above the healthcare sector median of 31.9, suggesting a premium valuation. Its Price-to-Sales ratio stands at 0.33, which is below the sector median of 3.7, indicating that the company is valued more attractively on a sales basis. The company's return on equity is 6.89%, which is in line with the sector median of 6.9%, but its net profit margin of 0.88% and operating margin of 3.46% are below the sector averages. Despite the higher P/E ratio, the company's strong revenue growth of 26.2% provides some justification. The debt-to-equity ratio of 0.76 is within reasonable bounds for the sector. The current valuation appears somewhat stretched given the modest profit margins, but the strong revenue expansion and positive insider buying could support continued performance. Investors should monitor future earnings reports for signs of margin improvement to justify the current valuation.
Earnings & Growth Analysis
Humana Inc. (HUM) most recently reported earnings for the quarter ending June 2026, with an actual EPS of $7.61, beating the estimate of $7.00 by 8.71%, and the stock saw a 0.34% price increase. Prior to this, the March 2026 quarter saw an EPS of $10.31, slightly beating the estimate of $10.20, though the stock declined 2.75%. The company has a history of mixed earnings performance, with a significant loss reported for the December 2025 quarter, but has generally managed to meet or exceed analyst expectations in recent periods. Forward estimates suggest a negative EPS for the upcoming September and December 2026 quarters, but a strong rebound is projected for 2027.
Key Risks
Humana Inc. (HUM) faces several key risks, including its elevated P/E ratio of 37.65 compared to the sector median of 31.9, suggesting potential valuation concerns. The narrow upside of 4.3% to the median analyst price target of $415.00 indicates limited immediate upside potential. Also, the company's profit margins (0.88% net, 3.46% operating) are below sector averages, which could limit its ability to absorb unexpected cost increases or competitive pressures.
Technical Indicators
| RSI (14) | 47.79 |
|---|---|
| MACD | -1.13 |
| SMA 50 | 386.74 |
| SMA 200 | 290.20 |
RSI
Neutral
SMA Cross
Bullish
Price vs SMA
Bullish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($386.74) above the 200-day SMA ($290.20), 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)
+0.14
Weak correlation
Nasdaq 100 (QQQ)
+0.09
Weak correlation
Bitcoin (BTC)
+0.06
Weak correlation
Gold (XAU)
-0.05
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
$393.95
Slight discount to current
Wait for small dip
Aggressive
$397.93
At current price
Enter now if confident
Risk Management
STOP LOSS
$352.90
MAX LOSS
-10.4%
Volatility-Adjusted Stop Loss
Calculated based on RSI (47.8) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$405.77
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$413.65
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$425.47
+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 September 27, 2026.Growth of $10,000
A $10,000 investment in HUM in September 2016 would be worth about $22,454 today, compared with about $35,782 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 $21,249 by 2036 in the base case, with a bull case near $87,983 and a bear case around $5,132. Projections are statistical simulations, not guarantees.
HUM Stock Price Prediction: 2030
CleaRank's simulation projects a price near $538 for HUM by 2030 in the base case, from $398 today (1.4x over 4 years). The downside path ends near $219. 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 | $274 | $429 | $672 |
| 2028 | $245 | $463 | $873 |
| 2029 | $229 | $499 | $1,086 |
| 2030 | $219 | $538 | $1,321 |
| 2031 | $212 | $580 | $1,584 |
| 2032 | $208 | $625 | $1,880 |
| 2033 | $205 | $674 | $2,214 |
| 2034 | $204 | $727 | $2,592 |
| 2035 | $204 | $784 | $3,019 |
| 2036 | $204 | $846 | $3,501 |
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
What is Humana Inc.'s current stock price and consensus rating?
Humana Inc. (HUM) is currently trading at $397.93. The consensus rating is 'Hold', supported by a consensus score of 59 out of 100.
Is Humana Inc. stock a buy right now?
The current consensus rating for Humana Inc. (HUM) is 'Hold', with a consensus score of 59. While insider activity is positive, the stock's valuation and mixed analyst sentiment suggest a cautious approach.
What is Humana Inc.'s price target from Wall Street analysts?
The median price target for Humana Inc. (HUM) from Wall Street analysts is $415.00, offering a potential upside of 4.3% from the current price of $397.93.
How is Humana Inc. performing technically?
Technically, Humana Inc. (HUM) is trading above its 50-day and 200-day moving averages ($386.74 and $290.20), with a neutral RSI at 47.8. Volume is strong, indicating investor interest, but MACD shows slight bearish momentum.
What are the key financial metrics for Humana Inc. compared to its sector?
Humana Inc. (HUM) has a P/E of 37.65 versus the sector median of 31.9, and a revenue growth of 26.2% compared to the sector's 8.1%. Its profit margins are below sector averages, while its ROE is in line.
What is Humana Inc.'s stock forecast for 2030?
Based on Monte Carlo simulations, Humana Inc.'s (HUM) stock forecast for 2030 shows a base case price of $537.95, with a downside projection of $219.02 and an upside projection of $1321.31. These are statistical outcomes, not guarantees.
Are there any significant insider transactions for Humana Inc. recently?
Yes, Humana Inc. (HUM) insiders are net sellers, with $1.6 million in total purchases and no reported sales in recent filings. The insider verdict is a 'Moderate Buy Signal'.
What is Humana Inc.'s dividend yield?
Humana Inc. (HUM) offers a dividend yield of approximately 0.89%, with a dividend rate of $3.54.