Humana Inc (HUM)vsNatera Inc (NTRA)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
NTRA
Natera Inc
$215.31
-3.06%
HEALTHCARE · Cap: $30.37B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 5386% more annual revenue ($137.20B vs $2.50B). HUM leads profitability with a 0.8% profit margin vs -9.1%. HUM earns a higher WallStSmart Score of 52/100 (C-).
HUM
Buy52
out of 100
Grade: C-
NTRA
Avoid31
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 NTRA.
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
Revenue surging 38.8% year-over-year
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%
Trading at 17.3x book value
0.0% earnings growth
Weak financial health signals
ROE of -12.8% — below average capital efficiency
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 : NTRA
The strongest argument for NTRA centers on Revenue Growth, Debt/Equity. Revenue growth of 38.8% 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 : NTRA
The primary concerns for NTRA are Price/Book, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
HUM profiles as a growth stock while NTRA is a hypergrowth play — different risk/reward profiles.
NTRA carries more volatility with a beta of 1.54 — expect wider price swings.
NTRA is growing revenue faster at 38.8% — 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 31/100) 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 →Natera Inc
HEALTHCARE · DIAGNOSTICS & RESEARCH · USA
Natera, Inc., a diagnostic company, develops and markets molecular testing services globally. The company is headquartered in San Carlos, California.
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