Humana Inc (HUM)vsNokia Corp ADR (NOK)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
NOK
Nokia Corp ADR
$14.38
-2.46%
TECHNOLOGY · Cap: $82.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 586% more annual revenue ($137.20B vs $20.00B). NOK leads profitability with a 4.0% profit margin vs 0.8%. NOK appears more attractively valued with a PEG of 1.42. HUM earns a higher WallStSmart Score of 52/100 (C-).
HUM
Buy52
out of 100
Grade: C-
NOK
Avoid35
out of 100
Grade: F
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 NOK.
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
Large-cap with strong market position
Conservative balance sheet, low leverage
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%
2.4% revenue growth
Distress zone — elevated risk
ROE of 3.8% — below average capital efficiency
4.0% margin — thin
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 : NOK
The strongest argument for NOK centers on Market Cap, Debt/Equity. PEG of 1.42 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 : NOK
The primary concerns for NOK are Revenue Growth, Altman Z-Score, Return on Equity. A P/E of 92.6x leaves little room for execution misses. Thin 4.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
HUM profiles as a growth stock while NOK is a value play — different risk/reward profiles.
NOK carries more volatility with a beta of 0.78 — 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.
Bottom Line
HUM scores higher overall (52/100 vs 35/100) and 23.5% revenue growth. Both earn "Buy" and "Avoid" 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 →Nokia Corp ADR
TECHNOLOGY · COMMUNICATION EQUIPMENT · USA
Nokia Corporation offers fixed and mobile network solutions globally. The company is headquartered in Espoo, Finland.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
Want to dig deeper into these stocks?