Humana Inc (HUM)vsICICI Bank Limited (IBN)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
IBN
ICICI Bank Limited
$25.95
+0.18%
FINANCIAL SERVICES · Cap: $99.72B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 1485% more annual revenue ($2.17T vs $137.20B). IBN leads profitability with a 24.9% profit margin vs 0.8%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 81/100 (A-).
HUM
Buy52
out of 100
Grade: C-
IBN
Exceptional Buy81
out of 100
Grade: A-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+23.7%
Fair Value
$403.67
Current Price
$350.08
$53.59 discount
Intrinsic value data unavailable for IBN.
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
Strong operational efficiency at 33.3%
Revenue surging 66.9% year-over-year
Large-cap with strong market position
Keeps 25 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
ROE of 6.1% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Weak financial health signals
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.
Bull Case : IBN
The strongest argument for IBN centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 24.9% and operating margin at 33.3%. Revenue growth of 66.9% demonstrates continued momentum.
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.
Bear Case : IBN
The primary concerns for IBN are Piotroski F-Score.
Key Dynamics to Monitor
HUM carries more volatility with a beta of 0.77 — expect wider price swings.
IBN is growing revenue faster at 66.9% — sustainability is the question.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (81/100 vs 52/100), backed by strong 24.9% margins and 66.9% revenue growth. HUM offers better value entry with a 23.7% margin of safety. Both earn "Exceptional 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 →ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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