Is HUM or UNH more undervalued in 2026?

CirclFi compares Humana Inc. (HUM) and UnitedHealth Group Incorporated (UNH) using 13 institutional-grade valuation models. HUM has a Quality of Company score of 8.5/10 while UNH scores 7.4/10.

Which is a better buy — HUM or UNH?

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 UNH valuations compare?

HUM at $308.70 and UNH at $382.53 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HUM vs UNH Valuation Comparison 2026 — Intrinsic Value Analysis

HUM

Healthcare Plans

Humana Inc.

Quality

8.5

out of 10

Value Trap

LOW

Price

$308.70

Last close

Models

12/13

Active

UNH

Healthcare Plans

UnitedHealth Group Incorporated

Quality

7.4

out of 10

Value Trap

SAFE

Price

$382.53

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	HUM Fair Value	HUM Upside	UNH Fair Value	UNH Upside
Bayesian DCF	Intrinsic	$70.34	-77.2%	$264.43	-30.9%
Earnings Power Value	Intrinsic	$166.09	-46.2%	$141.75	-62.9%
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	$•••.••	••.•%	$•••.••	••.•%

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HUM vs UNH — Which Stock Is More Undervalued?

HUM scores higher with a 8.5/10 quality rating vs UNH's 7.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Humana Inc. (HUM) and UnitedHealth Group Incorporated (UNH) 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 $308.70 with a QOC of 8.5/10, while UNH trades at $382.53 with a QOC of 7.4/10.

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).