Centene Corp (CNC)vsHumana Inc (HUM)
CNC
Centene Corp
$52.96
-1.12%
HEALTHCARE · Cap: $26.34B
HUM
Humana Inc
$239.67
+0.72%
HEALTHCARE · Cap: $28.05B
Smart Verdict
WallStSmart Research — data-driven comparison
Centene Corp generates 30% more annual revenue ($178.33B vs $137.20B). HUM leads profitability with a 0.8% profit margin vs -3.6%. CNC appears more attractively valued with a PEG of 1.02. HUM earns a higher WallStSmart Score of 59/100 (C).
CNC
Buy57
out of 100
Grade: C
HUM
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CNC.
Margin of Safety
+81.0%
Fair Value
$1141.73
Current Price
$239.67
$902.06 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 3.4B in free cash flow
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
Areas to Watch
ROE of -26.0% — below average capital efficiency
Currently unprofitable
ROE of 6.3% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Earnings declined 4.6%
Comparative Analysis Report
WallStSmart ResearchBull Case : CNC
The strongest argument for CNC centers on Price/Book, Free Cash Flow. PEG of 1.02 suggests the stock is reasonably priced for its growth.
Bull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 23.5% demonstrates continued momentum. PEG of 1.33 suggests the stock is reasonably priced for its growth.
Bear Case : CNC
The primary concerns for CNC are Return on Equity, Profit Margin.
Bear Case : HUM
The primary concerns for HUM are Return on Equity, Profit Margin, Operating Margin. Thin 0.8% margins leave little buffer for downturns.
Key Dynamics to Monitor
CNC profiles as a turnaround stock while HUM is a growth play — different risk/reward profiles.
CNC carries more volatility with a beta of 0.59 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
CNC generates stronger free cash flow (3.4B), providing more financial flexibility.
Bottom Line
HUM scores higher overall (59/100 vs 57/100) and 23.5% 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.
Centene Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
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