Elevance Health Inc (ELV)vsHumana Inc (HUM)
ELV
Elevance Health Inc
$414.41
+1.84%
HEALTHCARE · Cap: $92.88B
HUM
Humana Inc
$411.87
-0.72%
HEALTHCARE · Cap: $49.61B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 38% more annual revenue ($201.11B vs $145.68B). ELV leads profitability with a 2.5% profit margin vs 0.9%. HUM appears more attractively valued with a PEG of 1.25. HUM earns a higher WallStSmart Score of 64/100 (C+).
ELV
Buy55
out of 100
Grade: C-
HUM
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-6.1%
Fair Value
$414.67
Current Price
$414.41
$0.26 premium
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
Large-cap with strong market position
Reasonable price relative to book value
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
1.4% revenue growth
2.5% margin — thin
Operating margin of 4.6%
Earnings declined 13.1%
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 : ELV
The strongest argument for ELV centers on Market Cap, Price/Book. PEG of 1.30 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 1.25 suggests the stock is reasonably priced for its growth.
Bear Case : ELV
The primary concerns for ELV are Revenue Growth, Profit Margin, Operating Margin. Thin 2.5% 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
ELV 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.
ELV generates stronger free cash flow (1.0B), providing more financial flexibility.
Bottom Line
HUM scores higher overall (64/100 vs 55/100) 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.
Elevance Health Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Elevance Health Inc. is a health benefits company. The company is headquartered in Indianapolis, Indiana.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
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