CVS Health Corp (CVS)vsHumana Inc (HUM)
CVS
CVS Health Corp
$90.25
-0.09%
HEALTHCARE · Cap: $115.43B
HUM
Humana Inc
$410.41
-0.99%
HEALTHCARE · Cap: $49.46B
Smart Verdict
WallStSmart Research — data-driven comparison
CVS Health Corp generates 183% more annual revenue ($412.64B vs $145.68B). CVS leads profitability with a 1.2% profit margin vs 0.9%. CVS appears more attractively valued with a PEG of 0.21. CVS earns a higher WallStSmart Score of 67/100 (B-).
CVS
Strong Buy67
out of 100
Grade: B-
HUM
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+44.9%
Fair Value
$139.84
Current Price
$90.25
$49.59 discount
Margin of Safety
+8.2%
Fair Value
$423.98
Current Price
$410.41
$13.57 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 188.8% YoY
Large-cap with strong market position
Generating 5.7B in free cash flow
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
ROE of 6.2% — below average capital efficiency
1.2% margin — thin
Operating margin of 3.9%
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 : CVS
The strongest argument for CVS centers on PEG Ratio, Price/Book, EPS Growth. PEG of 0.21 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 26.2% demonstrates continued momentum. PEG of 1.14 suggests the stock is reasonably priced for its growth.
Bear Case : CVS
The primary concerns for CVS are Return on Equity, Profit Margin, Operating Margin. Thin 1.2% 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
CVS profiles as a value stock while HUM is a growth 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.
CVS generates stronger free cash flow (5.7B), providing more financial flexibility.
Bottom Line
CVS scores higher overall (67/100 vs 64/100). Both earn "Strong 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.
CVS Health Corp
HEALTHCARE · HEALTHCARE PLANS · USA
CVS Health (previously CVS Corporation and CVS Caremark Corporation) is an American healthcare company that owns CVS Pharmacy, a retail pharmacy chain; CVS Caremark, a pharmacy benefits manager; Aetna, a health insurance provider, among many other brands. The company's headquarters is in Woonsocket, Rhode Island.
Visit Website →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
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