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 ?6.7%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.415
Beta (levered) ?0.616
Terminal OM% ?2.1%
Segment conc. ?85% dominant
Terminal growth ?4.1%
Bond rating ?BB+ · 2.25%
ROIC option ?Opt 2 · 13.1%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

HUM · Humana Inc.

$177.852026-05-17
Sector: Healthcare; Industry: Medical - Healthcare Plans; Sub-Industry: Managed Health Care

Intrinsic Value Range Comparison · Mulya.ai

Bull
$418
+135.3% vs market
Base · active
$351
+97.3% vs market
Bear
$238
+33.7% vs market
Mulya.ai vs Analyst IV Comparison?
Market $178
Median $220
Bear $238
Base $351
Bull $418
Market Price $178
Mulya.ai Base $351
Analysts Median $220
Mulya.ai IV range ($238 · $418)
Analysts Range ($146 · $345)
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
2021.Q4$83.6B4.1%14.2%$2.9B−$5.3B−$2.4B4.0%11.6%$25.4B$24.37
2022.Q4$92.9B11.1%3.8%21.4%$2.8B$2.6B$5.4B5.6%11.9%$21.5B$23.32
2023.Q4$106.4B14.5%3.1%25.2%$2.5B−$239MM$2.2B5.5%11.1%$23.4B$20.68
2024.Q4$117.8B10.7%1.4%25.4%$1.2B$458MM$1.7B6.4%4.9%$26.0B$10.03
2025.Q4$129.7B10.1%1.1%17.2%$1.2B−$1.5B−$282MM6.3%4.6%$26.0B$9.8714.7
italics below = DCF projection · 10yr Rev CAGR: 7.2%
2026.Q4$160.6B+23.9%1.1%17.5%$1.5B−$471MM$1.0B6.8%$949MM5.7%$26.4B$12.3414.4
2027.Q4$170.7B+6.3%1.3%17.8%$1.8B−$221MM$1.6B7.0%$1.4B6.9%$26.7B$15.3111.6
2028.Q4$183.1B+7.3%1.5%18.0%$2.3B−$493MM$1.8B7.2%$1.4B8.4%$27.2B$18.769.5
2029.Q4$192.7B+5.3%1.7%18.3%$2.7B−$186MM$2.5B7.4%$1.9B9.8%$27.3B$22.198.0
2030.Q4$204.4B+6.1%2.1%18.6%$3.5B−$261MM$3.2B7.5%$2.3B12.6%$27.6B$28.766.2
Term. Yr+$270.2B4.1%2.1%20.0%$4.5B−$1.4B$3.1B8.6%$32.9B13.1%
Active scenario IV: $351 (+97.3% vs market)