Centene Corp (CNC)vsHumana Inc (HUM)
CNC
Centene Corp
$34.40
-3.29%
HEALTHCARE · Cap: $16.92B
HUM
Humana Inc
$169.90
+2.07%
HEALTHCARE · Cap: $20.49B
Smart Verdict
WallStSmart Research — data-driven comparison
Centene Corp generates 36% more annual revenue ($176.15B vs $129.66B). HUM leads profitability with a 92.0% profit margin vs -3.8%. CNC appears more attractively valued with a PEG of 0.77. CNC earns a higher WallStSmart Score of 65/100 (B-).
CNC
Strong Buy65
out of 100
Grade: B-
HUM
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CNC.
Margin of Safety
-156.9%
Fair Value
$68.27
Current Price
$169.90
$101.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Growing faster than its price suggests
Revenue surging 23.2% year-over-year
Earnings expanding 21.8% YoY
Reasonable price relative to book value
Keeps 92 of every $100 in revenue as profit
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
ROE of -28.7% — below average capital efficiency
Currently unprofitable
Operating margin of -1.9%
ROE of 7.0% — below average capital efficiency
Earnings declined 59.3%
Negative free cash flow — burning cash
Operating margin of -1.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : CNC
The strongest argument for CNC centers on Price/Book, PEG Ratio, Revenue Growth. Revenue growth of 23.2% demonstrates continued momentum. PEG of 0.77 suggests the stock is reasonably priced for its growth.
Bull Case : HUM
The strongest argument for HUM centers on Price/Book, Profit Margin, Altman Z-Score. Profitability is solid with margins at 92.0% and operating margin at -1.8%. Revenue growth of 11.3% demonstrates continued momentum.
Bear Case : CNC
The primary concerns for CNC are Return on Equity, Profit Margin, Operating Margin.
Bear Case : HUM
The primary concerns for HUM are Return on Equity, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
CNC profiles as a growth stock while HUM is a mature play — different risk/reward profiles.
CNC carries more volatility with a beta of 0.46 — expect wider price swings.
CNC is growing revenue faster at 23.2% — sustainability is the question.
CNC generates stronger free cash flow (224M), providing more financial flexibility.
Bottom Line
CNC scores higher overall (65/100 vs 58/100) and 23.2% revenue growth. Both earn "Strong 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.
Centene Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
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