Elevance Health Inc (ELV)vsHumana Inc (HUM)
ELV
Elevance Health Inc
$291.48
+0.11%
HEALTHCARE · Cap: $64.33B
HUM
Humana Inc
$169.90
+2.07%
HEALTHCARE · Cap: $20.49B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 54% more annual revenue ($199.13B vs $129.66B). HUM leads profitability with a 92.0% profit margin vs 2.8%. HUM appears more attractively valued with a PEG of 0.97. ELV earns a higher WallStSmart Score of 67/100 (B-).
ELV
Strong Buy67
out of 100
Grade: B-
HUM
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+75.3%
Fair Value
$1179.83
Current Price
$291.48
$888.35 discount
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
Attractively priced relative to earnings
Reasonable price relative to book value
Large-cap with strong market position
Earnings expanding 36.3% 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
2.8% margin — thin
Operating margin of 1.5%
Weak financial health signals
Negative free cash flow — burning cash
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 : ELV
The strongest argument for ELV centers on P/E Ratio, Price/Book, Market Cap. PEG of 1.17 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 : ELV
The primary concerns for ELV are Profit Margin, Operating Margin, Piotroski F-Score. Thin 2.8% margins leave little buffer for downturns.
Bear Case : HUM
The primary concerns for HUM are Return on Equity, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
ELV profiles as a value stock while HUM is a mature play — different risk/reward profiles.
ELV carries more volatility with a beta of 0.47 — expect wider price swings.
HUM is growing revenue faster at 11.3% — sustainability is the question.
ELV generates stronger free cash flow (-209M), providing more financial flexibility.
Bottom Line
ELV scores higher overall (67/100 vs 58/100). 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.
Elevance Health Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Elevance Health Inc. is a health benefits company. The company is headquartered in Indianapolis, Indiana.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
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