HUM Humana
fair · 53
Owner-earnings value$280.76
Price$384.52
Margin of safety
-27.0%
Quality gate · 53/100
Median ROIC9.4%
Net debt / EBITDA2.6x
FCF conversion120%
Share count / yr-1.2%
Profitable years4/4
Moat & management
Owner-earnings inputs
| Owner earnings (TTM) | 1.47B |
| Owner-earnings yield | 3.2% |
| Free-cash-flow yield | 4.2% |
| Growth used (normalized) | 10.0% |
| Market-implied growth (reverse DCF) | 17.8% |
| Terminal growth | 3.0% |
| Discount rate (hurdle) | 9.0% |
Projected owner earnings
| Yr | Owner earnings | Growth | PV |
|---|---|---|---|
| 1 | 1.62B | 10.0% | 1.48B |
| 2 | 1.76B | 9.2% | 1.49B |
| 3 | 1.91B | 8.4% | 1.48B |
| 4 | 2.06B | 7.7% | 1.46B |
| 5 | 2.20B | 6.9% | 1.43B |
| 6 | 2.34B | 6.1% | 1.39B |
| 7 | 2.46B | 5.3% | 1.35B |
| 8 | 2.57B | 4.6% | 1.29B |
| 9 | 2.67B | 3.8% | 1.23B |
| 10 | 2.75B | 3.0% | 1.16B |
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⚠ maintenance capex ≈ min(capex, D&A), capped at FCF · Price pays for ~18%/yr owner-earnings growth over 10y (reverse DCF); model credits 10%.