Humana Inc (HUM)vsNomura Holdings Inc ADR (NMR)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
NMR
Nomura Holdings Inc ADR
$8.41
-2.77%
FINANCIAL SERVICES · Cap: $25.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Nomura Holdings Inc ADR generates 1480% more annual revenue ($2.17T vs $137.20B). NMR leads profitability with a 16.7% profit margin vs 0.8%. NMR appears more attractively valued with a PEG of 0.82. NMR earns a higher WallStSmart Score of 70/100 (B-).
HUM
Buy52
out of 100
Grade: C-
NMR
Strong Buy70
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+23.7%
Fair Value
$403.67
Current Price
$350.08
$53.59 discount
Intrinsic value data unavailable for NMR.
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
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Revenue surging 27.5% year-over-year
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%
4.5% earnings growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 : NMR
The strongest argument for NMR centers on P/E Ratio, Price/Book, PEG Ratio. Profitability is solid with margins at 16.7% and operating margin at 18.7%. Revenue growth of 27.5% 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 : NMR
The primary concerns for NMR are EPS Growth, Free Cash Flow, Altman Z-Score. Debt-to-equity of 4.67 is elevated, increasing financial risk.
Key Dynamics to Monitor
HUM carries more volatility with a beta of 0.77 — expect wider price swings.
NMR is growing revenue faster at 27.5% — 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
NMR scores higher overall (70/100 vs 52/100), backed by strong 16.7% margins and 27.5% revenue growth. HUM offers better value entry with a 23.7% margin of safety. 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.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Nomura Holdings Inc ADR
FINANCIAL SERVICES · CAPITAL MARKETS · USA
Nomura Holdings, Inc. provides various financial services to individuals, corporations, financial institutions, governments, and government agencies worldwide. The company is headquartered in Tokyo, Japan.
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