What Is Humana Inc. (HUM) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Humana Inc.'s intrinsic value is estimated at $350.41. Trading at its current price of $406.14, the valuation engine raises significant caution: 9 of 12 models flag downside risk, projecting an average implied return of -13.7%. The most optimistic model, ML-RIV, places fair value at $607.14 (+49.5%), while EROIC — the most conservative — estimates $157.79 (-61.1%). This +110.6% gap reflects genuine analytical uncertainty about Humana Inc.'s intrinsic worth.
What Do the Models Say About HUM?
12 of 13 models are currently active for HUM. Of these, 2 models suggest upside while 10 models suggest overvaluation. The Bayesian DCF estimates HUM's intrinsic value at $254.32, implying -37.4% downside from the current price. See which stocks rank higher →
How Does HUM Rank in Hospital & Medical Service Plans?
Among 9 Hospital & Medical Service Plans stocks, HUM ranks #3 by Quality of Company score. CirclFi's QOC score of 8.3/10 evaluates 32 fundamental signals. A score of 8.3 places HUM in the top tier.
Humana Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is HUM a Value Trap?
CirclFi's Value Trap algorithm assigns HUM a score of 28/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Humana Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, Humana Inc. earns a quality score of 8.3/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.
The gap between the most bullish and bearish model spans +110.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every HUM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across HUM's 12 active models, average confidence is 47%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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