Humana Inc
XMUN:HUM
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Intrinsic Value
The intrinsic value of 
Humana Inc (HUM) under the Base Case is 395.67 EUR per share.
Compared with the current market price of 384 EUR, the stock appears
Undervalued by 3% .
The intrinsic value is calculated using the DCF method.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Humana Does
Humana is a U.S. health insurance company that mainly sells Medicare Advantage plans and related medical coverage for older adults. It also offers prescription drug plans, dental and vision coverage, and some employer and military-related health benefits. In simple terms, Humana helps members pay for doctor visits, hospital care, medicines, and preventive care through insurance products and care programs.
- Headquarters
- United States of America US
- Employees
- 67 060
- IPO date
- May 18, 1971
Humana has a narrow economic moat
Coordinating insurance with doctors, pharmacies and home care helps Humana avoid costly hospital visits and offer more benefits from the money it receives. Its established care network is harder for smaller insurers to reproduce, giving it some protection from competitors that must buy these services separately.
Read the full moat analysisWhat is the Intrinsic Value of one HUM stock?
The intrinsic value for Humana Inc (HUM) under the Base Case is 395.67 EUR.
Is HUM stock undervalued or overvalued?
Compared with the current market price of 384 EUR, the stock appears Undervalued by 3% .
