Bank of America Corp (BAC)vsHumana Inc (HUM)
BAC
Bank of America Corp
$53.60
+0.90%
FINANCIAL SERVICES · Cap: $379.60B
HUM
Humana Inc
$246.33
+2.84%
HEALTHCARE · Cap: $28.05B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 25% more annual revenue ($137.20B vs $109.59B). BAC leads profitability with a 29.0% profit margin vs 0.8%. BAC appears more attractively valued with a PEG of 0.95. BAC earns a higher WallStSmart Score of 82/100 (A-).
BAC
Exceptional Buy82
out of 100
Grade: A-
HUM
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for BAC.
Margin of Safety
+81.0%
Fair Value
$1141.73
Current Price
$246.33
$895.40 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 36.0%
Generating 41.8B in free cash flow
Keeps 29 of every $100 in revenue as profit
Growing faster than its price suggests
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Revenue surging 23.5% year-over-year
Generating 1.1B in free cash flow
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
ROE of 6.3% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Earnings declined 4.6%
Comparative Analysis Report
WallStSmart ResearchBull Case : BAC
The strongest argument for BAC centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 29.0% and operating margin at 36.0%. Revenue growth of 11.8% demonstrates continued momentum.
Bull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 23.5% demonstrates continued momentum. PEG of 1.33 suggests the stock is reasonably priced for its growth.
Bear Case : BAC
The primary concerns for BAC are Debt/Equity, Altman Z-Score.
Bear Case : HUM
The primary concerns for HUM are Return on Equity, Profit Margin, Operating Margin. Thin 0.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
BAC profiles as a mature stock while HUM is a growth play — different risk/reward profiles.
BAC carries more volatility with a beta of 1.24 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
BAC generates stronger free cash flow (41.8B), providing more financial flexibility.
Bottom Line
BAC scores higher overall (82/100 vs 59/100), backed by strong 29.0% margins and 11.8% revenue growth. HUM offers better value entry with a 81.0% margin of safety. Both earn "Exceptional 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.
Bank of America Corp
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.
Visit Website →Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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