Humana Inc (HUM)vsHaverty Furniture Companies Inc (HVT)
HUM
Humana Inc
$246.33
+2.84%
HEALTHCARE · Cap: $28.05B
HVT
Haverty Furniture Companies Inc
$20.25
-1.65%
CONSUMER CYCLICAL · Cap: $327.76M
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 17977% more annual revenue ($137.20B vs $759.00M). HVT leads profitability with a 2.6% profit margin vs 0.8%. HVT appears more attractively valued with a PEG of 0.88. HUM earns a higher WallStSmart Score of 59/100 (C).
HUM
Buy59
out of 100
Grade: C
HVT
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.0%
Fair Value
$1141.73
Current Price
$246.33
$895.40 discount
Margin of Safety
+1.9%
Fair Value
$26.83
Current Price
$20.25
$6.58 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
ROE of 6.3% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Earnings declined 4.6%
3.8% earnings growth
Smaller company, higher risk/reward
ROE of 6.4% — below average capital efficiency
2.6% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : HVT
The strongest argument for HVT centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.88 suggests the stock is reasonably priced for its growth.
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.
Bear Case : HVT
The primary concerns for HVT are EPS Growth, Market Cap, Return on Equity. Thin 2.6% margins leave little buffer for downturns.
Key Dynamics to Monitor
HUM profiles as a growth stock while HVT is a value play — different risk/reward profiles.
HVT carries more volatility with a beta of 1.16 — 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
HUM scores higher overall (59/100 vs 56/100) 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.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Haverty Furniture Companies Inc
CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA
Haverty Furniture Companies, Inc. is a specialty retailer of residential furniture and accessories in the United States. The company is headquartered in Atlanta, Georgia.
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