Humana Inc (HUM)vsItau Unibanco Banco Holding SA (ITUB)
HUM
Humana Inc
$246.33
+2.84%
HEALTHCARE · Cap: $28.05B
ITUB
Itau Unibanco Banco Holding SA
$8.57
+1.18%
FINANCIAL SERVICES · Cap: $95.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1% more annual revenue ($138.95B vs $137.20B). ITUB leads profitability with a 32.3% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 1.33. ITUB earns a higher WallStSmart Score of 76/100 (B+).
HUM
Buy59
out of 100
Grade: C
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.0%
Fair Value
$1141.73
Current Price
$246.33
$895.40 discount
Intrinsic value data unavailable for ITUB.
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
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Areas to Watch
ROE of 6.3% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Earnings declined 4.6%
2.8% earnings growth
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 : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
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 : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
HUM profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
HUM carries more volatility with a beta of 0.45 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 59/100), backed by strong 32.3% margins and 11.0% revenue growth. HUM offers better value entry with a 81.0% 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 →Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
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