Stock Valuation / HUM
Is Humana Inc. (HUM) Overvalued? Fair Value & 5-Year Target
Humana Inc. trades at $420.38 (P/E 39.70). Our reference model estimates a fair value of $199.72 at its recent average P/E of 18.86.
| Current price | $420.38 |
|---|---|
| Current EPS | $10.59 |
| Current P/E | 39.70 |
| Average P/E | 18.86 |
| Fair value (at avg P/E) | $199.72 |
| Upside to fair value | -52.5% |
| Illustrative 5-yr target (25× P/E, 15% growth) | $532.51 |
What drives HUM's valuation
Changing either assumption moves the target: a higher P/E multiple or faster EPS growth raises fair value, a lower multiple or slower growth lowers it. The interactive dashboard lets you edit both and re-run the model instantly.
About Humana Inc.
Humana Inc. provides medical and specialty insurance products in the United States. It operates in two segments, Insurance and CenterWell. The Insurance segment offers individual Medicare Advantage products, including health insurance benefits, including wellness programs, chronic care management, and care coordination; individual Medicare stand-alone prescription drug products (PDP); group Medicare advantage and Medicare stand-alone PDP; Medicare supplements; specialty and ancillary insurance comprising dental, vision, life and disability; and administrative services to arrange health care services for active-duty and retired military personnel and dependents, as well as pharmacy benefit ma
Frequently asked questions
What is HUM's fair value?
At its recent average P/E of 18.86, Humana Inc. (HUM) has a reference fair value of about $199.72, which is -52.5% versus the current price of $420.38.
Is Humana Inc. (HUM) overvalued or undervalued?
Based on the average-P/E reference model, Humana Inc. looks overvalued relative to fair value by roughly +52.5%. This is a model output, not investment advice — change the P/E and growth assumptions in the dashboard for your own view.
What is a 5-year price target for HUM?
Under an illustrative model of 25× P/E and 15% annual EPS growth, the implied 5-year target is $532.51. Adjust both inputs on the interactive page to match your assumptions.
Open the interactive HUM valuation dashboard →
Figures are for informational purposes only and are not investment advice. Data as of 2026-10-14.