Humana Inc (HUM)vsNebius Group N.V. (NBIS)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
NBIS
Nebius Group N.V.
$222.24
+2.06%
COMMUNICATION SERVICES · Cap: $66.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 15528% more annual revenue ($137.20B vs $877.90M). NBIS leads profitability with a 93.1% profit margin vs 0.8%. NBIS appears more attractively valued with a PEG of 0.63. NBIS earns a higher WallStSmart Score of 55/100 (C-).
HUM
Buy52
out of 100
Grade: C-
NBIS
Buy55
out of 100
Grade: C-
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
+6.8%
Fair Value
$307.64
Current Price
$222.24
$85.40 discount
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
Keeps 93 of every $100 in revenue as profit
Revenue surging 684.0% year-over-year
Large-cap with strong market position
Growing faster than its price suggests
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%
0.0% earnings growth
Elevated debt levels
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
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 : NBIS
The strongest argument for NBIS centers on Profit Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 93.1% and operating margin at -32.1%. Revenue growth of 684.0% demonstrates continued momentum.
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 : NBIS
The primary concerns for NBIS are EPS Growth, Debt/Equity, P/E Ratio. A P/E of 100.0x leaves little room for execution misses.
Key Dynamics to Monitor
NBIS carries more volatility with a beta of 1.43 — expect wider price swings.
NBIS is growing revenue faster at 684.0% — sustainability is the question.
HUM generates stronger free cash flow (1.1B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NBIS scores higher overall (55/100 vs 52/100), backed by strong 93.1% margins and 684.0% 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.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Nebius Group N.V.
COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA
Nebius Group N.V. (Ticker: NBIS) is an innovative technology firm focused on delivering advanced digital solutions that enhance client engagement and improve operational efficiency across various sectors. Leveraging cutting-edge cloud computing, artificial intelligence, and data analytics, Nebius empowers businesses to navigate the complexities of the digital landscape effectively. With a robust portfolio of intellectual property and a network of strategic partnerships, the company is strategically positioned to capitalize on significant growth opportunities, making it an attractive investment for institutional investors seeking exposure to leading-edge technology-driven markets.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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