Humana Inc (HUM)vsIntuit Inc (INTU)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
INTU
Intuit Inc
$296.76
-0.77%
TECHNOLOGY · Cap: $77.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 556% more annual revenue ($137.20B vs $20.93B). INTU leads profitability with a 21.9% profit margin vs 0.8%. INTU appears more attractively valued with a PEG of 0.72. INTU earns a higher WallStSmart Score of 78/100 (B+).
HUM
Buy52
out of 100
Grade: C-
INTU
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+23.7%
Fair Value
$403.67
Current Price
$350.08
$53.59 discount
Margin of Safety
+28.0%
Fair Value
$370.90
Current Price
$296.76
$74.14 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
Strong operational efficiency at 47.0%
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Keeps 22 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%
No major concerns identified
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 : INTU
The strongest argument for INTU centers on Operating Margin, Market Cap, Return on Equity. Profitability is solid with margins at 21.9% and operating margin at 47.0%. Revenue growth of 10.4% 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 : INTU
No major red flags identified for INTU, but monitor valuation.
Key Dynamics to Monitor
HUM profiles as a growth stock while INTU is a mature play — different risk/reward profiles.
INTU carries more volatility with a beta of 0.96 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
INTU generates stronger free cash flow (5.2B), providing more financial flexibility.
Bottom Line
INTU scores higher overall (78/100 vs 52/100), backed by strong 21.9% margins and 10.4% revenue growth. HUM offers better value entry with a 23.7% margin of safety. 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.
Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Intuit Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Intuit Inc. is an American business that specializes in financial software. Intuit's products include the tax preparation application TurboTax, personal finance app Mint and the small business accounting program QuickBooks.
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