Alignment Healthcare LLC (ALHC)vsHumana Inc (HUM)
ALHC
Alignment Healthcare LLC
$8.18
+1.61%
HEALTHCARE · Cap: $1.70B
HUM
Humana Inc
$411.87
-0.72%
HEALTHCARE · Cap: $49.61B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 3083% more annual revenue ($145.68B vs $4.58B). ALHC leads profitability with a 0.9% profit margin vs 0.9%. HUM trades at a lower P/E of 39.0x. HUM earns a higher WallStSmart Score of 64/100 (C+).
ALHC
Buy58
out of 100
Grade: C
HUM
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+6.9%
Fair Value
$21.90
Current Price
$8.18
$13.72 discount
Margin of Safety
+8.2%
Fair Value
$423.98
Current Price
$411.87
$12.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 31.6% year-over-year
Earnings expanding 142.9% YoY
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Revenue surging 26.2% year-over-year
Earnings expanding 27.1% YoY
Areas to Watch
Smaller company, higher risk/reward
0.9% margin — thin
Operating margin of 3.1%
Elevated debt levels
Premium valuation, high expectations priced in
ROE of 6.7% — below average capital efficiency
0.9% margin — thin
Operating margin of 3.5%
Comparative Analysis Report
WallStSmart ResearchBull Case : ALHC
The strongest argument for ALHC centers on Revenue Growth, EPS Growth. Revenue growth of 31.6% demonstrates continued momentum.
Bull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 26.2% demonstrates continued momentum. PEG of 1.25 suggests the stock is reasonably priced for its growth.
Bear Case : ALHC
The primary concerns for ALHC are Market Cap, Profit Margin, Operating Margin. A P/E of 43.0x leaves little room for execution misses. Thin 0.9% margins leave little buffer for downturns.
Bear Case : HUM
The primary concerns for HUM are P/E Ratio, Return on Equity, Profit Margin. Thin 0.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
ALHC profiles as a hypergrowth stock while HUM is a growth play — different risk/reward profiles.
ALHC carries more volatility with a beta of 1.14 — expect wider price swings.
ALHC is growing revenue faster at 31.6% — sustainability is the question.
ALHC generates stronger free cash flow (-25M), providing more financial flexibility.
Bottom Line
HUM scores higher overall (64/100 vs 58/100) and 26.2% revenue growth. 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.
Alignment Healthcare LLC
HEALTHCARE · HEALTHCARE PLANS · USA
Alignment Healthcare, Inc. provides a consumer-centric platform that provides personalized healthcare to seniors in the United States. The company is headquartered in Orange, California.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
Want to dig deeper into these stocks?