Alignment Healthcare LLC (ALHC)vsHumana Inc (HUM)
ALHC
Alignment Healthcare LLC
$17.58
+0.92%
HEALTHCARE · Cap: $3.56B
HUM
Humana Inc
$174.24
+1.17%
HEALTHCARE · Cap: $20.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 3184% more annual revenue ($129.66B vs $3.95B). HUM leads profitability with a 0.9% profit margin vs -0.0%. HUM earns a higher WallStSmart Score of 58/100 (C).
ALHC
Hold40
out of 100
Grade: F
HUM
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for ALHC.
Margin of Safety
-162.4%
Fair Value
$66.84
Current Price
$174.24
$107.40 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 44.4% year-over-year
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Trading at 20.0x book value
0.0% earnings growth
ROE of -0.7% — below average capital efficiency
Negative free cash flow — burning cash
ROE of 7.0% — below average capital efficiency
0.9% margin — thin
Earnings declined 59.3%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : ALHC
The strongest argument for ALHC centers on Revenue Growth, Altman Z-Score. Revenue growth of 44.4% demonstrates continued momentum.
Bull Case : HUM
The strongest argument for HUM centers on Price/Book, Altman Z-Score, PEG Ratio. Revenue growth of 11.3% demonstrates continued momentum. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bear Case : ALHC
The primary concerns for ALHC are Price/Book, EPS Growth, Return on Equity.
Bear Case : HUM
The primary concerns for HUM are Return on Equity, Profit Margin, EPS Growth. Thin 0.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
ALHC profiles as a hypergrowth stock while HUM is a value play — different risk/reward profiles.
ALHC carries more volatility with a beta of 1.19 — expect wider price swings.
ALHC is growing revenue faster at 44.4% — sustainability is the question.
ALHC generates stronger free cash flow (-67M), providing more financial flexibility.
Bottom Line
HUM scores higher overall (58/100 vs 40/100) and 11.3% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Alignment Healthcare LLC
HEALTHCARE · HEALTHCARE PLANS · USA
Alignment Healthcare, Inc. provides a consumer-centric platform that provides personalized healthcare to seniors in the United States. The company is headquartered in Orange, California.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
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