Humana Inc (HUM)vsNokia Corp ADR (NOK)
HUM
Humana Inc
$246.33
+2.84%
HEALTHCARE · Cap: $28.05B
NOK
Nokia Corp ADR
$13.19
-1.71%
TECHNOLOGY · Cap: $74.25B
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 1.15. HUM earns a higher WallStSmart Score of 59/100 (C).
HUM
Buy59
out of 100
Grade: C
NOK
Hold40
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.0%
Fair Value
$1141.73
Current Price
$246.33
$895.40 discount
Margin of Safety
+16.7%
Fair Value
$8.81
Current Price
$13.19
$4.38 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
Large-cap with strong market position
Conservative balance sheet, low leverage
Areas to Watch
ROE of 6.3% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Earnings declined 4.6%
2.4% revenue growth
Distress zone — elevated risk
ROE of 3.7% — 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. PEG of 1.33 suggests the stock is reasonably priced for its growth.
Bull Case : NOK
The strongest argument for NOK centers on Market Cap, Debt/Equity. PEG of 1.15 suggests the stock is reasonably priced for its growth.
Bear Case : HUM
The primary concerns for HUM are Return on Equity, Profit Margin, Operating Margin. 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 83.1x 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 0.77 — 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 (59/100 vs 40/100) and 23.5% revenue growth. NOK offers better value entry with a 16.7% margin of safety. 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 →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
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