Humana Inc (HUM)vsMolina Healthcare Inc (MOH)
HUM
Humana Inc
$411.87
-0.72%
HEALTHCARE · Cap: $49.61B
MOH
Molina Healthcare Inc
$198.10
-0.68%
HEALTHCARE · Cap: $10.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 243% more annual revenue ($145.68B vs $42.47B). HUM leads profitability with a 0.9% profit margin vs -0.0%. MOH appears more attractively valued with a PEG of 0.89. HUM earns a higher WallStSmart Score of 64/100 (C+).
HUM
Buy64
out of 100
Grade: C+
MOH
Hold45
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+8.2%
Fair Value
$423.98
Current Price
$411.87
$12.11 discount
Intrinsic value data unavailable for MOH.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Revenue surging 26.2% year-over-year
Earnings expanding 27.1% YoY
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Premium valuation, high expectations priced in
ROE of 6.7% — below average capital efficiency
0.9% margin — thin
Operating margin of 3.5%
Operating margin of 1.4%
Premium valuation, high expectations priced in
ROE of -0.2% — below average capital efficiency
Revenue declined 5.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 26.2% demonstrates continued momentum. PEG of 1.25 suggests the stock is reasonably priced for its growth.
Bull Case : MOH
The strongest argument for MOH centers on Altman Z-Score, PEG Ratio, Price/Book. PEG of 0.89 suggests the stock is reasonably priced for its growth.
Bear Case : HUM
The primary concerns for HUM are P/E Ratio, Return on Equity, Profit Margin. Thin 0.9% margins leave little buffer for downturns.
Bear Case : MOH
The primary concerns for MOH are Operating Margin, P/E Ratio, Return on Equity. A P/E of 2304.0x leaves little room for execution misses.
Key Dynamics to Monitor
HUM profiles as a growth stock while MOH is a turnaround play — different risk/reward profiles.
MOH carries more volatility with a beta of 0.78 — expect wider price swings.
HUM is growing revenue faster at 26.2% — sustainability is the question.
MOH generates stronger free cash flow (-196M), providing more financial flexibility.
Bottom Line
HUM scores higher overall (64/100 vs 45/100) and 26.2% 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 →Molina Healthcare Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Molina Healthcare, Inc. provides managed care services to low-income individuals and families under the Medicaid and Medicare programs and through the state insurance marketplaces. The company is headquartered in Long Beach, California.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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