WallStSmart

AbbVie Inc (ABBV)vsHumana Inc (HUM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Humana Inc generates 112% more annual revenue ($129.66B vs $61.16B). ABBV leads profitability with a 6.9% profit margin vs 0.9%. ABBV appears more attractively valued with a PEG of 0.48. ABBV earns a higher WallStSmart Score of 63/100 (C+).

ABBV

Buy

63

out of 100

Grade: C+

Growth: 4.0Profit: 8.0Value: 4.7Quality: 5.0
Piotroski: 5/9Altman Z: 0.40

HUM

Buy

56

out of 100

Grade: C

Growth: 5.3Profit: 4.0Value: 7.3Quality: 7.5
Piotroski: 4/9Altman Z: 4.37
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ABBVSignificantly Overvalued (-29.3%)

Margin of Safety

-29.3%

Fair Value

$163.42

Current Price

$211.32

$47.90 premium

UndervaluedFair: $163.42Overvalued
HUMUndervalued (+79.9%)

Margin of Safety

+79.9%

Fair Value

$1081.11

Current Price

$236.44

$844.67 discount

UndervaluedFair: $1081.11Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ABBV6 strengths · Avg: 9.7/10
Market CapQuality
$360.63B10/10

Mega-cap, among the largest globally

PEG RatioValuation
0.4810/10

Growing faster than its price suggests

Return on EquityProfitability
62.3%10/10

Every $100 of equity generates 62 in profit

Operating MarginProfitability
34.1%10/10

Strong operational efficiency at 34.1%

Debt/EquityHealth
-21.0610/10

Conservative balance sheet, low leverage

Free Cash FlowQuality
$4.89B8/10

Generating 4.9B in free cash flow

HUM2 strengths · Avg: 9.0/10
Altman Z-ScoreHealth
4.3710/10

Safe zone — low bankruptcy risk

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

ABBV4 concerns · Avg: 2.3/10
Profit MarginProfitability
6.9%3/10

6.9% margin — thin

P/E RatioValuation
100.0x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-88.7%2/10

Earnings declined 88.7%

Altman Z-ScoreHealth
0.402/10

Distress zone — elevated risk

HUM4 concerns · Avg: 3.0/10
P/E RatioValuation
26.0x4/10

Moderate valuation

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Profit MarginProfitability
0.9%3/10

0.9% margin — thin

EPS GrowthGrowth
-59.3%2/10

Earnings declined 59.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : ABBV

The strongest argument for ABBV centers on Market Cap, PEG Ratio, Return on Equity. PEG of 0.48 suggests the stock is reasonably priced for its growth.

Bull Case : HUM

The strongest argument for HUM centers on Altman Z-Score, Price/Book. Revenue growth of 11.3% demonstrates continued momentum. PEG of 1.34 suggests the stock is reasonably priced for its growth.

Bear Case : ABBV

The primary concerns for ABBV are Profit Margin, P/E Ratio, EPS Growth. A P/E of 100.0x leaves little room for execution misses.

Bear Case : HUM

The primary concerns for HUM are P/E Ratio, Return on Equity, Profit Margin. Thin 0.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

HUM carries more volatility with a beta of 0.45 — expect wider price swings.

HUM is growing revenue faster at 11.3% — sustainability is the question.

ABBV generates stronger free cash flow (4.9B), providing more financial flexibility.

Monitor DRUG MANUFACTURERS - GENERAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ABBV scores higher overall (63/100 vs 56/100). HUM offers better value entry with a 79.9% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AbbVie Inc

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

AbbVie is an American publicly traded biopharmaceutical company founded in 2013. It originated as a spin-off of Abbott Laboratories.

Humana Inc

HEALTHCARE · HEALTHCARE PLANS · USA

Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.

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