HUM Humana Inc.
Healthcare
Price
$378.06
Intrinsic value
$216.88
Buy price
$173.51
Discount
-74.3%
DCF walkthrough
Near-term growth (g1)0.00%
Terminal growth (g2)3.50%
Years of g1 growth4
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $2,539,000,000.00
- Total debt
- $14,744,000,512.00
- Cash & STI
- $23,871,000,576.00
- Shares out.
- 121,135,000
Overvalued
Intrinsic value$216.78
Buy price (with MOS)$173.42
Current price$378.06
Discount to intrinsic value-74.4%
7-step quality scorecard
ROE quality
LOW- Average ROE
- 11.9%
- Current ROE
- 6.7%
- Minimum ROE
- 6.7%
Debt quality
MODERATE- Debt / Equity
- 0.84x
Moat proxy
WEAK_PROXYCash-flow reliability
OK- Operating CF / Net income
- 1.99x
Technical chart
Confluence: WEAK (1/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- min(cfCAGR,revenueCAGR)
- Valuation model
- DCF_OCF
- Debt as % of DCF PV
- 85.4%
- Public economic interest
- 99.5%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.