Humana Inc (HUM)vsUnitedHealth Group Incorporated (UNH)
HUM
Humana Inc
$409.80
+2.26%
HEALTHCARE · Cap: $46.96B
UNH
UnitedHealth Group Incorporated
$379.09
-2.37%
HEALTHCARE · Cap: $340.27B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 209% more annual revenue ($450.53B vs $145.68B). UNH leads profitability with a 3.1% profit margin vs 0.9%. UNH appears more attractively valued with a PEG of 1.06. UNH earns a higher WallStSmart Score of 62/100 (C+).
HUM
Buy60
out of 100
Grade: C+
UNH
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+8.5%
Fair Value
$425.30
Current Price
$409.80
$15.50 discount
Margin of Safety
-16.1%
Fair Value
$326.53
Current Price
$379.09
$52.56 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Revenue surging 26.2% year-over-year
Earnings expanding 27.1% YoY
Mega-cap, among the largest globally
Earnings expanding 61.5% YoY
Generating 10.3B in free cash flow
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
ROE of 6.7% — below average capital efficiency
0.9% margin — thin
0.4% revenue growth
3.1% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 26.2% demonstrates continued momentum.
Bull Case : UNH
The strongest argument for UNH centers on Market Cap, EPS Growth, Free Cash Flow. PEG of 1.06 suggests the stock is reasonably priced for its growth.
Bear Case : HUM
The primary concerns for HUM are PEG Ratio, P/E Ratio, Return on Equity. Thin 0.9% margins leave little buffer for downturns.
Bear Case : UNH
The primary concerns for UNH are Revenue Growth, Profit Margin. Thin 3.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
HUM profiles as a growth stock while UNH is a value play — different risk/reward profiles.
HUM carries more volatility with a beta of 0.74 — expect wider price swings.
HUM is growing revenue faster at 26.2% — sustainability is the question.
UNH generates stronger free cash flow (10.3B), providing more financial flexibility.
Bottom Line
UNH scores higher overall (62/100 vs 60/100). 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 →UnitedHealth Group Incorporated
HEALTHCARE · HEALTHCARE PLANS · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services. In 2020, it was the second-largest healthcare company (behind CVS Health) by revenue with $257.1 billion, and the largest insurance company by net premiums. UnitedHealthcare revenues comprise 80% of the Group's overall revenue.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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