Fair value (multi-method)
Four independent methods triangulate what HUM is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$39.70
Method range
$39.70 – $343.06
median $187.93
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $39.70 | -90.02% |
| Exit multiple | $190.81 | -52.01% |
| Analyst target | $343.06 | -13.72% |
| Graham number | $185.04 | -53.46% |
- Forward DCF$39.70
- Exit multiple$190.81
- Analyst target$343.06
- Graham number$185.04
Stock price
$397.60
FCF / share (TTM)
$9.42
3Y FCF CAGR
-18.7%
Fair value @ hist. growth
$36.31
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
13.7%
per year over your projection horizon
Margin of safety -995.0% vs hist-growth DCF
Historical 3Y CAGR
-18.7%
Your model implies
13.7%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at -19% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 6.3% | 10.0% | 8.9% | 7.8% | 6.4% | 4.9% |
| 7.3% | 12.7% | 11.9% | 10.9% | 9.9% | 8.7% |
| 8.3% | 15.2% | 14.5% | 13.7% | 12.8% | 11.9% |
| 9.3% | 17.5% | 16.8% | 16.2% | 15.4% | 14.6% |
| 10.3% | 19.6% | 19.0% | 18.5% | 17.8% | 17.1% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
Net debt
$8.74B
Total debt − cash
Beta
0.72
Vs market benchmark
Frequently asked questions
Humana (HUM) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
- Buybacks1.19% TTM
- Dividend Profile0.89% yield
- Dividend Calculator
- Dividend Forecast
- Dividend Capture
- Stock Split History8 splits
How this company returns cash to shareholders — buybacks, dividends, and stock splits.