HUM

NYSE

HUMANA INC

Health Care, Managed Health Care

$385.00

close 7 Aug 2026

+44.37%

52-week change

$46.22B

market cap

$163.11

$428.88

52-week range

Expected price

$179.63 – $219.55

Current price

$385.00

Signal

Could be overvalued

A historical-multiple reference, never a fair-value claim. The band uses only data public at each date and ends at the latest month — no forward estimates.

Current multiples

P/E (TTM)41.09x

P/S (TTM)0.34x

P/B2.49x

EV/EBITDA (TTM)—

FCF yield (TTM)2.75%

PEG (TTM, GAAP)—

Context

P/E, own 5-year average22.20x

P/E, sector median29.65x*

Price at 5-year median P/E$196.56*

Indicated dividend yield0.92%

Forward — analyst consensus

Forward P/E (FY2026)42.08x*

Forward P/E (FY2027)23.36x

Forward PEG0.53*

Consensus EPS FY2026 (26 analysts)$9.15

EPS growth (FY2026→FY2027)80.14%

Revenue growth (FY2026)25.57%

Street view

Price target (mean)$413.09*

Target upside7.30%

Ratings (buy / hold / sell)12 / 13 / 1

FY2026 EPS revisions, 30d (up / down)2 / 0

5-year history

Dashed line: average of month-end values

P/E (TTM)

P/S (TTM)

P/B

FCF yield (TTM)

Dividend yield

period to 31 Mar 2026, filed 29 Apr 2026, close 7 Aug 2026

Discounted cash flow

Ten projected years plus a perpetuity, prefilled from filings — a model to argue with, never a fair-value claim.

Free cash flow, last ten years and TTM

5Y CAGR -39.63%10Y CAGR +0.84%

Assumptions

Growth rate, years 1–10%

Perpetual growth%Discount rate%

Base FCF$M

As filed — not assumptions

Current price$385.00

Cash & equivalents$4.95B

Total debt$13.99B

Shares outstanding120.06M

Result

DCF price per share-$36.73

Current price$385.00

Margin of safety-109.54%

PV of years 1–10$3.45B

PV of terminal value$1.18B

Equity value-$4.41B

Market-implied growth+13.37%

Projected FCF, years 1–10

Hover for PV and growth

Projection detail

Override growth for any year; blank years use the uniform rate

Year	2026	2027	2028	2029	2030	2031	2032	2033	2034	2035	Terminal
Growth, %											2.5
FCF	$1.02B	$814.08M	$651.26M	$521.01M	$416.81M	$333.45M	$266.76M	$213.41M	$170.72M	$136.58M	$2.55B
PV	$942.22M	$697.94M	$516.99M	$382.96M	$283.67M	$210.13M	$155.65M	$115.30M	$85.40M	$63.26M	$1.18B

period to 31 Mar 2026, filed 29 Apr 2026, close 7 Aug 2026