WallStSmart

Enbridge Inc (ENB)vsHumana Inc (HUM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Humana Inc generates 99% more annual revenue ($137.20B vs $69.05B). ENB leads profitability with a 10.0% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 2.15. ENB earns a higher WallStSmart Score of 55/100 (C).

ENB

Buy

55

out of 100

Grade: C

Growth: 5.3Profit: 6.0Value: 3.3Quality: 3.0
Piotroski: 2/9Altman Z: 0.49

HUM

Buy

52

out of 100

Grade: C-

Growth: 6.0Profit: 4.5Value: 5.3Quality: 6.5
Piotroski: 4/9Altman Z: 3.91
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ENBSignificantly Overvalued (-18.9%)

Margin of Safety

-18.9%

Fair Value

$46.85

Current Price

$56.74

$9.89 premium

UndervaluedFair: $46.85Overvalued
HUMUndervalued (+23.7%)

Margin of Safety

+23.7%

Fair Value

$403.67

Current Price

$350.08

$53.59 discount

UndervaluedFair: $403.67Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ENB3 strengths · Avg: 8.3/10
Market CapQuality
$121.59B9/10

Large-cap with strong market position

Price/BookValuation
3.0x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
20.8%8/10

Revenue surging 20.8% year-over-year

HUM4 strengths · Avg: 8.5/10
Altman Z-ScoreHealth
3.9110/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.3x8/10

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

ENB4 concerns · Avg: 3.0/10
P/E RatioValuation
26.5x4/10

Moderate valuation

Debt/EquityHealth
1.693/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
5.272/10

Expensive relative to growth rate

HUM4 concerns · Avg: 3.3/10
PEG RatioValuation
2.154/10

Expensive relative to growth rate

Return on EquityProfitability
6.1%3/10

ROE of 6.1% — below average capital efficiency

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

Operating MarginProfitability
4.7%3/10

Operating margin of 4.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : ENB

The strongest argument for ENB centers on Market Cap, Price/Book, Revenue Growth. Revenue growth of 20.8% 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.

Bear Case : ENB

The primary concerns for ENB are P/E Ratio, Debt/Equity, Piotroski F-Score. Debt-to-equity of 1.69 is elevated, increasing financial risk.

Bear Case : HUM

The primary concerns for HUM are PEG Ratio, Return on Equity, Profit Margin. A P/E of 40.5x leaves little room for execution misses. Thin 0.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

ENB carries more volatility with a beta of 0.81 — 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.

Monitor OIL & GAS MIDSTREAM industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ENB scores higher overall (55/100 vs 52/100) and 20.8% revenue growth. HUM offers better value entry with a 23.7% margin of safety. 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.

Enbridge Inc

ENERGY · OIL & GAS MIDSTREAM · USA

Enbridge Inc. is an energy infrastructure company. The company is headquartered in Calgary, Canada.

Humana Inc

HEALTHCARE · HEALTHCARE PLANS · USA

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

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