Humana Inc (HUM)vsProgyny Inc (PGNY)
HUM
Humana Inc
$174.24
+1.17%
HEALTHCARE · Cap: $20.77B
PGNY
Progyny Inc
$17.75
-1.66%
HEALTHCARE · Cap: $1.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 9962% more annual revenue ($129.66B vs $1.29B). PGNY leads profitability with a 4.5% profit margin vs 0.9%. HUM trades at a lower P/E of 17.5x. HUM earns a higher WallStSmart Score of 58/100 (C).
HUM
Buy58
out of 100
Grade: C
PGNY
Hold50
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-162.4%
Fair Value
$66.84
Current Price
$174.24
$107.40 premium
Margin of Safety
+16.6%
Fair Value
$25.84
Current Price
$17.75
$8.09 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Attractively priced relative to earnings
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Earnings expanding 20.6% YoY
Areas to Watch
ROE of 7.0% — below average capital efficiency
0.9% margin — thin
Earnings declined 59.3%
Negative free cash flow — burning cash
Moderate valuation
Smaller company, higher risk/reward
4.5% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : HUM
The strongest argument for HUM centers on Price/Book, Altman Z-Score, PEG Ratio. Revenue growth of 11.3% demonstrates continued momentum. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bull Case : PGNY
The strongest argument for PGNY centers on Altman Z-Score, Price/Book, EPS Growth.
Bear Case : HUM
The primary concerns for HUM are Return on Equity, Profit Margin, EPS Growth. Thin 0.9% margins leave little buffer for downturns.
Bear Case : PGNY
The primary concerns for PGNY are P/E Ratio, Market Cap, Profit Margin. Thin 4.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
PGNY carries more volatility with a beta of 1.01 — expect wider price swings.
HUM is growing revenue faster at 11.3% — sustainability is the question.
PGNY generates stronger free cash flow (49M), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HUM scores higher overall (58/100 vs 50/100) and 11.3% revenue growth. PGNY offers better value entry with a 16.6% 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 →Progyny Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Progyny, Inc., a benefits management company, specializes in fertility benefits and family development solutions for employers in the United States. The company is headquartered in New York, New York.
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