Humana Inc (HUM)vsNovartis AG ADR (NVS)
HUM
Humana Inc
$274.26
-0.25%
HEALTHCARE · Cap: $32.93B
NVS
Novartis AG ADR
$145.23
+0.01%
HEALTHCARE · Cap: $277.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 142% more annual revenue ($137.20B vs $56.58B). NVS leads profitability with a 23.9% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 1.56. HUM earns a higher WallStSmart Score of 57/100 (C).
HUM
Buy57
out of 100
Grade: C
NVS
Buy51
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.9%
Fair Value
$1139.79
Current Price
$274.26
$865.53 discount
Margin of Safety
-51.8%
Fair Value
$110.12
Current Price
$145.23
$35.11 premium
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
Mega-cap, among the largest globally
Every $100 of equity generates 35 in profit
Strong operational efficiency at 30.5%
Keeps 24 of every $100 in revenue as profit
Generating 2.9B in free cash flow
Areas to Watch
Expensive relative to growth rate
Moderate valuation
ROE of 6.3% — below average capital efficiency
0.8% margin — thin
Grey zone — moderate risk
Expensive relative to growth rate
Revenue declined 0.7%
Earnings declined 9.3%
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 : NVS
The strongest argument for NVS centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 23.9% and operating margin at 30.5%.
Bear Case : HUM
The primary concerns for HUM are PEG Ratio, P/E Ratio, Return on Equity. Thin 0.8% margins leave little buffer for downturns.
Bear Case : NVS
The primary concerns for NVS are Altman Z-Score, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
HUM profiles as a growth stock while NVS is a declining play — different risk/reward profiles.
HUM carries more volatility with a beta of 0.68 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
NVS generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
HUM scores higher overall (57/100 vs 51/100) and 23.5% revenue growth. Both earn "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 →Novartis AG ADR
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Novartis AG researches, develops, manufactures and markets medical devices worldwide. The company is headquartered in Basel, Switzerland.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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