Humana Inc. provides medical and specialty insurance products in the United States. It operates in two segments, Insurance and CenterWell.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS. Shaded region = analyst consensus for the current and next fiscal year (26 analysts).
| Parameter | BaseValue |
|---|---|
Initial Cash Flow | |
| Growth Rate (Yr 1-5) | % |
| Growth Rate (Yr 6-10) | % |
| Terminal Growth Rate | % |
| Discount Rate | % |
Base Case $990.68 Implied EV: $111.35B |
What growth rate is the market pricing in at $361?
The market implies +10.4% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +10.7%, reflecting heavy growth investment.
Wide moat driven primarily by revenue predictability. Margin Stability is the area most vulnerable to competitive pressure.
"Market is optimistic — be cautious and ensure you have a margin of safety"
Appears undervalued with favorable or neutral sentiment — conditions suggest an attractive entry point
