Value Sense
HUM
Humana Inc. (HUM)
Last Price$261.5(3.3%)
Market Cap$31.5B
LTM EPS
$10.00
EPS growth
68.2%
Ben Graham Fair Value
$1,242.1
Undervalued (Ben Graham formula)
374.9%
Stock quality
6/10
Good
HUM
is 205.0% undervalued
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HUM Ben Graham Fair Value

Ben Graham Fair Value
Ben Graham Revised Fair Value

Ben Graham Fair Value Assumptions

as of Mar 10, 2025
EPS
$10.00
P/E Base for no-growth company
8.5x
EPS growth
68.2%
Average Yield of AAA Corporate Bonds
4.4%
Current Yield of AAA Corporate Bonds
5.1%
Last share price
$261.5
Ben Graham Fair Value (local)
$1,242.1
Ben Graham Fair Value
$1,242.1
374.9% undervalued

Ben Graham Fair Value Calculation

EPS
$10.00
x
(
P/E base for no-growth
8.5x
+
2
x
EPS growth
68.2%
)
x
Average AAA
Bond Yield
4.4%
/
Current AAA Bond Yield
5.1%
=
Ben Graham Fair Value
$1,242.1

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HUM EPS growth & Dividend Yield

Annual
Quarterly
LTM
Industry Median
5Y Historical Average
Benchmark
EPS growth
Dividend Yield

HUM vs Peer Set: Ben Graham Fair Value Comparison

Ben Graham Fair Value
Ben Graham Revised Fair Value

GENERAL

BEN GRAHAM FAIR VALUE

FINANCIALS

Company name

Undervaluation / Overvaluation

Revenue growth

EPS growth

Net Income margin

Humana Inc. logo
Humana Inc.HUM
374.9%
10.7%
(50.1%)
1.0%
Median Peer Set
7.2%
(4.8%)
1.6%
Bright Health Group, Inc. logo
Bright Health Group, Inc.BHG
255,885.6%
(51.9%)
86.2%
(103.4%)
Oscar Health, Inc. logo
Oscar Health, Inc.OSCR
1,036.5%
56.5%
N/A
0.3%
CVS Health Corporation logo
CVS Health CorporationCVS
541.7%
4.2%
(43.6%)
1.2%
UnitedHealth Group Incorporated logo
UnitedHealth Group IncorporatedUNH
452.8%
8.9%
(35.7%)
3.6%
Cigna Corporation logo
Cigna CorporationCI
348.4%
8.4%
(18.9%)
2.6%
Elevance Health Inc. logo
Elevance Health Inc.ELV
332.2%
3.2%
(0.0%)
3.4%
Molina Healthcare, Inc. logo
Molina Healthcare, Inc.MOH
256.8%
19.3%
9.2%
2.9%
Centene Corporation logo
Centene CorporationCNC
237.8%
5.9%
27.4%
2.0%
Clover Health Investments, Corp. logo
Clover Health Investments, Corp.CLOV
184.7%
(41.5%)
(31.3%)
(10.5%)
Alignment Healthcare, Inc. logo
Alignment Healthcare, Inc.ALHC
(31.9%)
27.2%
(4.8%)
(8.1%)

Explore more intrinsic value tools hub for HUM

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FAQ

What is Humana Inc.'s fair value according to the Ben Graham formula?

As of Dec 31, 2024, Humana Inc.'s fair value using the Ben Graham formula is $1,242.1 per share. This is calculated using Ben Graham formula, where EPS is $10.0 and BVPS (Book Value Per Share) is $135.9. The current price of $261.5 suggests Humana Inc. may be overvalued by this conservative metric.

What is Humana Inc. earnings per share (EPS)?

Humana Inc. earnings per share (EPS) for the twelve months ending Dec 31, 2024, was $10.0, a 68.2% growth year-over-year.

What is Humana Inc.'s margin of safety based on the Ben Graham analysis?

Humana Inc.'s margin of safety is positive 374.9%, calculated as (Graham Number - Current Price) / Current Price. A negative margin of safety suggests the stock doesn't provide the level of safety Graham typically sought in his investments.