Is HUM or TRUP more undervalued in 2026?

CirclFi compares Humana Inc. (HUM) and Trupanion, Inc. (TRUP) using 13 institutional-grade valuation models. HUM has a Quality of Company score of 8.5/10 while TRUP scores 8.3/10.

Which is a better buy — HUM or TRUP?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do HUM and TRUP valuations compare?

HUM at $305.42 and TRUP at $21.82 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HUM vs TRUP Valuation Comparison 2026 — Intrinsic Value Analysis

HUM

Hospital & Medical Service Plans

Humana Inc.

Quality

8.5

out of 10

Value Trap

LOW

Price

$305.42

Last close

Models

12/13

Active

TRUP

Hospital & Medical Service Plans

Trupanion, Inc.

Quality

8.3

out of 10

Value Trap

SAFE

Price

$21.82

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	HUM Fair Value	HUM Upside	TRUP Fair Value	TRUP Upside
Bayesian DCF	Intrinsic	$70.57	-76.9%	$20.34	-6.8%
Earnings Power Value	Intrinsic	$166.09	-45.6%	$3.90	-82.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for HUM vs TRUP — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

HUM vs TRUP — Which Stock Is More Undervalued?

HUM scores higher with a 8.5/10 quality rating vs TRUP's 8.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Humana Inc. (HUM) and Trupanion, Inc. (TRUP) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

HUM currently trades at $305.42 with a QOC of 8.5/10, while TRUP trades at $21.82 with a QOC of 8.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).