Humana Inc (HUM)vsLowe's Companies Inc (LOW)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
LOW
Lowe's Companies Inc
$210.74
+2.27%
CONSUMER CYCLICAL · Cap: $123.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 55% more annual revenue ($137.20B vs $88.43B). LOW leads profitability with a 7.5% profit margin vs 0.8%. LOW appears more attractively valued with a PEG of 1.44. HUM earns a higher WallStSmart Score of 52/100 (C-).
HUM
Buy52
out of 100
Grade: C-
LOW
Hold50
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+23.7%
Fair Value
$403.67
Current Price
$350.08
$53.59 discount
Margin of Safety
-58.5%
Fair Value
$140.20
Current Price
$210.74
$70.54 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Conservative balance sheet, low leverage
Large-cap with strong market position
Generating 2.8B in free cash flow
Areas to Watch
Expensive relative to growth rate
ROE of 6.1% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Grey zone — moderate risk
ROE of 0.0% — below average capital efficiency
7.5% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 23.5% demonstrates continued momentum.
Bull Case : LOW
The strongest argument for LOW centers on Debt/Equity, Market Cap, Free Cash Flow. Revenue growth of 10.3% demonstrates continued momentum. PEG of 1.44 suggests the stock is reasonably priced for its growth.
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.
Bear Case : LOW
The primary concerns for LOW are Altman Z-Score, Return on Equity, Profit Margin.
Key Dynamics to Monitor
HUM profiles as a growth stock while LOW is a value play — different risk/reward profiles.
LOW carries more volatility with a beta of 0.86 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
LOW generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
HUM scores higher overall (52/100 vs 50/100) and 23.5% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Lowe's Companies Inc
CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA
Lowe's Companies, Inc. is an American retail company specializing in home improvement. Headquartered in Mooresville, North Carolina, the company operates a chain of retail stores in the United States and Canada.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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