WallStSmart

Honeywell International Inc (HON)vsHumana Inc (HUM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Humana Inc generates 264% more annual revenue ($137.20B vs $37.66B). HON leads profitability with a 10.9% profit margin vs 0.8%. HON appears more attractively valued with a PEG of 2.08. HON earns a higher WallStSmart Score of 53/100 (C-).

HON

Buy

53

out of 100

Grade: C-

Growth: 3.3Profit: 7.0Value: 4.3Quality: 5.5
Piotroski: 4/9Altman Z: 2.05

HUM

Buy

52

out of 100

Grade: C-

Growth: 6.0Profit: 4.5Value: 5.3Quality: 6.5
Piotroski: 4/9Altman Z: 3.91
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for HON.

HUMUndervalued (+23.7%)

Margin of Safety

+23.7%

Fair Value

$403.67

Current Price

$350.08

$53.59 discount

UndervaluedFair: $403.67Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HON2 strengths · Avg: 8.5/10
Market CapQuality
$145.42B9/10

Large-cap with strong market position

Operating MarginProfitability
21.0%8/10

Strong operational efficiency at 21.0%

HUM4 strengths · Avg: 8.5/10
Altman Z-ScoreHealth
3.9110/10

Safe zone — low bankruptcy risk

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
23.5%8/10

Revenue surging 23.5% year-over-year

Free Cash FlowQuality
$1.13B8/10

Generating 1.1B in free cash flow

Areas to Watch

HON4 concerns · Avg: 4.0/10
PEG RatioValuation
2.084/10

Expensive relative to growth rate

P/E RatioValuation
36.4x4/10

Premium valuation, high expectations priced in

Price/BookValuation
10.0x4/10

Trading at 10.0x book value

Revenue GrowthGrowth
2.4%4/10

2.4% revenue growth

HUM4 concerns · Avg: 3.3/10
PEG RatioValuation
2.154/10

Expensive relative to growth rate

Return on EquityProfitability
6.1%3/10

ROE of 6.1% — below average capital efficiency

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

Operating MarginProfitability
4.7%3/10

Operating margin of 4.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : HON

The strongest argument for HON centers on Market Cap, Operating Margin.

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.

Bear Case : HON

The primary concerns for HON are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 1.72 is elevated, increasing financial risk.

Bear Case : HUM

The primary concerns for HUM are PEG Ratio, Return on Equity, Profit Margin. A P/E of 40.5x leaves little room for execution misses. Thin 0.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

HON profiles as a value stock while HUM is a growth play — different risk/reward profiles.

HON carries more volatility with a beta of 0.84 — expect wider price swings.

HUM is growing revenue faster at 23.5% — sustainability is the question.

HUM generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

HON scores higher overall (53/100 vs 52/100). HUM offers better value entry with a 23.7% margin of safety. 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.

Honeywell International Inc

INDUSTRIALS · CONGLOMERATES · USA

Honeywell International Inc. is an American publicly traded, multinational conglomerate headquartered in Charlotte, North Carolina. It primarily operates in four areas of business: aerospace, building technologies, performance materials and technologies (PMT), and safety and productivity solutions (SPS).

Humana Inc

HEALTHCARE · HEALTHCARE PLANS · USA

Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.

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