Mulya.ai
Ticker
HUM
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?hist_ind
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?7.2%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.593
Beta (levered) ?0.742
Terminal OM% ?2.1%
Segment conc. ?85% dominant
Terminal growth ?4.1%
Bond rating ?BB+ · 2.25%
ROIC option ?Opt 4 · 21.9%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

HUM · Humana Inc.

$383.842026-07-21
Sector: Healthcare; Industry: Medical - Healthcare Plans; Sub-Industry: Managed Health Care

Intrinsic Value Range Comparison · Mulya.ai

Bull
$553
+44.1% vs market
Base · active
$508
+32.4% vs market
Bear
$384
0.0% vs market
Mulya.ai vs Analyst IV Comparison?
Median $265
Market $384
Bear $384
Base $508
Bull $553
Market Price $384
Mulya.ai Base $508
Analysts Median $265
Mulya.ai IV range ($384 · $553)
Analysts Range ($195 · $441)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2024.Q1$106.4B3.1%26.8%$2.4B−$5.9B−$3.5B7.3%10.4%$23.4B$20.63
2024.Q4$106.4B0.0%3.1%25.4%$2.5B$458MM$2.9B6.4%10.0%$26.0B$20.63
2025.Q1$117.8B10.7%1.4%24.9%$1.2B−$13MM$1.2B7.8%4.6%$26.8B$10.00
2025.Q4$117.8B0.0%1.4%17.2%$1.3B−$1.5B−$138MM6.3%5.1%$26.0B$10.00
2026.Q1$137.2B16.5%1.0%17.3%$1.1B−$1.4B−$281MM7.4%6.3%$10.6B$9.3733.5
italics below = DCF projection · 10yr Rev CAGR: 7.1%
2027.Q1$165.0B+20.3%1.0%17.5%$1.4B−$1.2B$146MM7.3%$136MM12.2%$11.8B$11.3833.7
2028.Q1$172.7B+4.6%1.2%17.8%$1.7B−$393MM$1.3B7.4%$1.2B14.4%$12.2B$14.3926.7
2029.Q1$182.1B+5.5%1.4%18.1%$2.1B−$582MM$1.6B7.6%$1.3B17.1%$12.8B$17.7721.6
2030.Q1$192.7B+5.8%1.6%18.4%$2.6B−$612MM$2.0B7.7%$1.5B19.8%$13.4B$21.5417.8
2031.Q1$207.9B+7.9%2.1%18.6%$3.5B−$985MM$2.5B7.8%$1.8B25.3%$14.4B$29.1613.2
Term. Yr+$284.2B4.1%2.1%20.0%$4.7B−$884MM$3.8B8.6%$40.0B21.9%
Active scenario IV: $508 (+32.4% vs market)