Alignment Healthcare LLC (ALHC)vsHumana Inc (HUM)
ALHC
Alignment Healthcare LLC
$18.29
-0.76%
HEALTHCARE · Cap: $4.26B
HUM
Humana Inc
$365.41
-5.99%
HEALTHCARE · Cap: $47.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 3123% more annual revenue ($137.20B vs $4.26B). ALHC leads profitability with a 0.5% profit margin vs 0.0%. HUM trades at a lower P/E of 41.5x. HUM earns a higher WallStSmart Score of 52/100 (C-).
ALHC
Hold45
out of 100
Grade: D+
HUM
Buy52
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+4.6%
Fair Value
$21.37
Current Price
$18.29
$3.08 discount
Margin of Safety
+0.6%
Fair Value
$402.40
Current Price
$365.41
$36.99 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 33.3% year-over-year
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Generating 1.1B in free cash flow
Areas to Watch
Trading at 18.3x book value
0.0% earnings growth
0.5% margin — thin
Operating margin of 1.3%
Expensive relative to growth rate
0.2% revenue growth
ROE of 6.1% — below average capital efficiency
0.0% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : ALHC
The strongest argument for ALHC centers on Revenue Growth. Revenue growth of 33.3% demonstrates continued momentum.
Bull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Free Cash Flow.
Bear Case : ALHC
The primary concerns for ALHC are Price/Book, EPS Growth, Profit Margin. A P/E of 206.0x leaves little room for execution misses. Debt-to-equity of 1.59 is elevated, increasing financial risk.
Bear Case : HUM
The primary concerns for HUM are PEG Ratio, Revenue Growth, Return on Equity. A P/E of 41.5x leaves little room for execution misses. Thin 0.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
ALHC profiles as a hypergrowth stock while HUM is a value play — different risk/reward profiles.
ALHC carries more volatility with a beta of 1.05 — expect wider price swings.
ALHC is growing revenue faster at 33.3% — sustainability is the question.
HUM generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HUM scores higher overall (52/100 vs 45/100). 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.
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.
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