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Humana Inc.
HUMHealthcareNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $129.66B | 1.0% | $1.30B | $388.99M | N/A |
| 2027 | $140.04B | 1.0% | $1.40B | $420.11M | $381.92M |
| 2028 | $151.24B | 1.0% | $1.51B | $453.72M | $374.98M |
| 2029 | $163.34B | 1.0% | $1.63B | $490.02M | $368.16M |
| 2030 | $176.41B | 1.0% | $1.76B | $529.22M | $361.46M |
| 2031 | $190.52B | 1.0% | $1.91B | $571.56M | $354.89M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $9.84 | 2025-12-31 |
| EPS growth | -1.4% | Forecast years: 5 |
| Future EPS | $9.17 | EPS × (1 + G)^5 |
| Base P/E | 26 | P/E |
| Future price | $238.43 | Future EPS × P/E |
| Fair value today | $148.04 | PV @ 10.0% |
| 30% safety price | $103.63 | Margin of safety |
| 50% safety price | $74.022 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$20.625 | -$11.201 | $1.651 |
| 10.0% | -$30.158 | -$23.209 | -$14.123 |
| 11.0% | -$37.674 | -$32.384 | -$25.682 |