Humana Inc (HUM)vsNovo Nordisk A/S (NVO)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
NVO
Novo Nordisk A/S
$42.96
-1.81%
HEALTHCARE · Cap: $194.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Novo Nordisk A/S generates 139% more annual revenue ($327.80B vs $137.20B). NVO leads profitability with a 37.2% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 2.15. NVO earns a higher WallStSmart Score of 73/100 (B).
HUM
Buy52
out of 100
Grade: C-
NVO
Strong Buy73
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 NVO.
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
Every $100 of equity generates 60 in profit
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 61.6%
Earnings expanding 67.1% YoY
Generating 12.0B in free cash flow
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%
Weak financial health signals
Expensive relative to growth rate
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 : NVO
The strongest argument for NVO centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 37.2% and operating margin at 61.6%. Revenue growth of 24.0% 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 : NVO
The primary concerns for NVO are Piotroski F-Score, PEG Ratio.
Key Dynamics to Monitor
HUM carries more volatility with a beta of 0.77 — expect wider price swings.
NVO is growing revenue faster at 24.0% — sustainability is the question.
NVO generates stronger free cash flow (12.0B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
NVO scores higher overall (73/100 vs 52/100), backed by strong 37.2% margins and 24.0% 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 →Novo Nordisk A/S
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Novo Nordisk A / S, a healthcare company, is dedicated to the research, development, manufacture and marketing of pharmaceutical products globally. The company is headquartered in Bagsvaerd, Denmark.
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