Humana Inc (HUM)vsPfizer Inc (PFE)
HUM
Humana Inc
$246.33
+2.84%
HEALTHCARE · Cap: $28.05B
PFE
Pfizer Inc
$26.53
+0.30%
HEALTHCARE · Cap: $149.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 119% more annual revenue ($137.20B vs $62.58B). PFE leads profitability with a 12.4% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 1.33. HUM earns a higher WallStSmart Score of 59/100 (C).
HUM
Buy59
out of 100
Grade: C
PFE
Hold49
out of 100
Grade: D+
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
+28.7%
Fair Value
$37.12
Current Price
$26.53
$10.59 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
Reasonable price relative to book value
Strong operational efficiency at 23.9%
Generating 4.5B in free cash flow
Areas to Watch
ROE of 6.3% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Earnings declined 4.6%
Weak financial health signals
Expensive relative to growth rate
Revenue declined 1.2%
Earnings declined 21.3%
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. PEG of 1.33 suggests the stock is reasonably priced for its growth.
Bull Case : PFE
The strongest argument for PFE centers on Market Cap, Price/Book, Operating Margin.
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 : PFE
The primary concerns for PFE are Piotroski F-Score, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
HUM profiles as a growth stock while PFE is a declining play — different risk/reward profiles.
HUM carries more volatility with a beta of 0.45 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
PFE generates stronger free cash flow (4.5B), providing more financial flexibility.
Bottom Line
HUM scores higher overall (59/100 vs 49/100) and 23.5% revenue growth. PFE offers better value entry with a 28.7% 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 →Pfizer Inc
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Pfizer Inc. is an American multinational pharmaceutical and biotechnology corporation headquartered on 42nd Street in Manhattan, New York City. The name of the company commemorates its co-founder, Charles Pfizer (1824-1906). Pfizer develops and produces medicines and vaccines for immunology, oncology, cardiology, endocrinology, and neurology. The company has several blockbuster drugs or products that each generate more than 1 billion USD in annual revenues.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
Want to dig deeper into these stocks?