WallStSmart

Crown Castle (CCI)vsHumana Inc (HUM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Humana Inc generates 3157% more annual revenue ($137.20B vs $4.21B). CCI leads profitability with a 25.1% profit margin vs 0.8%. CCI appears more attractively valued with a PEG of 1.48. HUM earns a higher WallStSmart Score of 57/100 (C).

CCI

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 7.0Value: 4.7Quality: 4.5
Piotroski: 3/9Altman Z: -0.67

HUM

Buy

57

out of 100

Grade: C

Growth: 6.0Profit: 4.5Value: 6.7Quality: 7.5
Piotroski: 4/9Altman Z: 4.37
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CCIOvervalued (-13.0%)

Margin of Safety

-13.0%

Fair Value

$76.15

Current Price

$86.66

$10.51 premium

UndervaluedFair: $76.15Overvalued
HUMUndervalued (+80.9%)

Margin of Safety

+80.9%

Fair Value

$1139.79

Current Price

$305.12

$834.67 discount

UndervaluedFair: $1139.79Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CCI3 strengths · Avg: 9.7/10
Operating MarginProfitability
47.7%10/10

Strong operational efficiency at 47.7%

Debt/EquityHealth
-18.0810/10

Conservative balance sheet, low leverage

Profit MarginProfitability
25.1%9/10

Keeps 25 of every $100 in revenue as profit

HUM4 strengths · Avg: 8.5/10
Altman Z-ScoreHealth
4.3710/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
23.5%8/10

Revenue surging 23.5% year-over-year

Free Cash FlowQuality
$1.13B8/10

Generating 1.1B in free cash flow

Areas to Watch

CCI4 concerns · Avg: 2.8/10
P/E RatioValuation
38.2x4/10

Premium valuation, high expectations priced in

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-206.7%2/10

ROE of -206.7% — below average capital efficiency

Revenue GrowthGrowth
-4.8%2/10

Revenue declined 4.8%

HUM4 concerns · Avg: 3.5/10
PEG RatioValuation
1.564/10

Expensive relative to growth rate

P/E RatioValuation
29.2x4/10

Moderate valuation

Return on EquityProfitability
6.3%3/10

ROE of 6.3% — below average capital efficiency

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : CCI

The strongest argument for CCI centers on Operating Margin, Debt/Equity, Profit Margin. Profitability is solid with margins at 25.1% and operating margin at 47.7%. PEG of 1.48 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. Revenue growth of 23.5% demonstrates continued momentum.

Bear Case : CCI

The primary concerns for CCI are P/E Ratio, Piotroski F-Score, Return on Equity.

Bear Case : HUM

The primary concerns for HUM are PEG Ratio, P/E Ratio, Return on Equity. Thin 0.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

CCI profiles as a declining stock while HUM is a growth play — different risk/reward profiles.

CCI carries more volatility with a beta of 0.95 — expect wider price swings.

HUM is growing revenue faster at 23.5% — sustainability is the question.

HUM generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

HUM scores higher overall (57/100 vs 51/100) and 23.5% revenue growth. 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.

Crown Castle

REAL ESTATE · REIT - SPECIALTY · USA

Crown Castle is a real estate investment trust and provider of shared communications infrastructure in the United States. Its network includes over 40,000 cell towers and nearly 80,000 route miles of fiber supporting small cells and fiber solutions. Headquartered in Houston, Texas, the company has 100 offices nationwide.

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Humana Inc

HEALTHCARE · HEALTHCARE PLANS · USA

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

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