Humana Inc (HUM)vsConstellation Brands Inc Class A (STZ)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
STZ
Constellation Brands Inc Class A
$140.91
+2.27%
CONSUMER DEFENSIVE · Cap: $25.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 1401% more annual revenue ($137.20B vs $9.14B). STZ leads profitability with a 18.5% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 2.15. STZ earns a higher WallStSmart Score of 56/100 (C).
HUM
Buy52
out of 100
Grade: C-
STZ
Buy56
out of 100
Grade: C
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 STZ.
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
Every $100 of equity generates 21 in profit
Attractively priced relative to earnings
Strong operational efficiency at 26.7%
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%
Elevated debt levels
Expensive relative to growth rate
Revenue declined 11.3%
Earnings declined 15.0%
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 : STZ
The strongest argument for STZ centers on Return on Equity, P/E Ratio, Operating Margin. Profitability is solid with margins at 18.5% and operating margin at 26.7%.
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 : STZ
The primary concerns for STZ are Debt/Equity, PEG Ratio, Revenue Growth.
Key Dynamics to Monitor
HUM profiles as a growth stock while STZ is a declining play — different risk/reward profiles.
HUM carries more volatility with a beta of 0.77 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
HUM generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
STZ scores higher overall (56/100 vs 52/100), backed by strong 18.5% margins. HUM offers better value entry with a 23.7% margin of safety. 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 →Constellation Brands Inc Class A
CONSUMER DEFENSIVE · BEVERAGES - BREWERS · USA
Constellation Brands, Inc., headquartered in Victor, New York, is an American producer and marketer of beer, wine, and spirits.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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