Humana Inc (HUM)vsToronto Dominion Bank (TD)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
TD
Toronto Dominion Bank
$113.16
-0.52%
FINANCIAL SERVICES · Cap: $193.85B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 132% more annual revenue ($137.20B vs $59.18B). TD leads profitability with a 25.2% profit margin vs 0.8%. TD appears more attractively valued with a PEG of 1.01. TD earns a higher WallStSmart Score of 61/100 (C+).
HUM
Buy52
out of 100
Grade: C-
TD
Buy61
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 TD.
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
Strong operational efficiency at 35.4%
Generating 10.2B in free cash flow
Large-cap with strong market position
Keeps 25 of every $100 in revenue as profit
Reasonable price relative to book value
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%
Revenue declined 31.5%
Earnings declined 61.2%
Distress zone — elevated risk
Elevated debt levels
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 : TD
The strongest argument for TD centers on Operating Margin, Free Cash Flow, Market Cap. Profitability is solid with margins at 25.2% and operating margin at 35.4%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
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 : TD
The primary concerns for TD are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 2.22 is elevated, increasing financial risk.
Key Dynamics to Monitor
HUM profiles as a growth stock while TD is a declining play — different risk/reward profiles.
TD carries more volatility with a beta of 0.88 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
TD generates stronger free cash flow (10.2B), providing more financial flexibility.
Bottom Line
TD scores higher overall (61/100 vs 52/100), backed by strong 25.2% 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 →Toronto Dominion Bank
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Toronto-Dominion Bank offers a variety of personal and commercial banking products and services in Canada and the United States. The company is headquartered in Toronto, Canada.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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