Humana Inc (HUM)vsEli Lilly and Company (LLY)
HUM
Humana Inc
$274.26
-0.25%
HEALTHCARE · Cap: $32.93B
LLY
Eli Lilly and Company
$966.99
+1.95%
HEALTHCARE · Cap: $905.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 90% more annual revenue ($137.20B vs $72.25B). LLY leads profitability with a 35.0% profit margin vs 0.8%. LLY appears more attractively valued with a PEG of 1.28. LLY earns a higher WallStSmart Score of 78/100 (B+).
HUM
Buy57
out of 100
Grade: C
LLY
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.9%
Fair Value
$1139.79
Current Price
$274.26
$865.53 discount
Intrinsic value data unavailable for LLY.
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
Mega-cap, among the largest globally
Every $100 of equity generates 108 in profit
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Revenue surging 55.5% year-over-year
Earnings expanding 169.9% YoY
Areas to Watch
Expensive relative to growth rate
Moderate valuation
ROE of 6.3% — below average capital efficiency
0.8% margin — thin
Premium valuation, high expectations priced in
Elevated debt levels
Trading at 27.7x book value
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 : LLY
The strongest argument for LLY centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 35.0% and operating margin at 49.4%. Revenue growth of 55.5% demonstrates continued momentum.
Bear Case : HUM
The primary concerns for HUM are PEG Ratio, P/E Ratio, Return on Equity. Thin 0.8% margins leave little buffer for downturns.
Bear Case : LLY
The primary concerns for LLY are P/E Ratio, Debt/Equity, Price/Book. Debt-to-equity of 1.60 is elevated, increasing financial risk.
Key Dynamics to Monitor
HUM carries more volatility with a beta of 0.68 — expect wider price swings.
LLY is growing revenue faster at 55.5% — sustainability is the question.
LLY generates stronger free cash flow (3.0B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
LLY scores higher overall (78/100 vs 57/100), backed by strong 35.0% margins and 55.5% revenue growth. HUM offers better value entry with a 80.9% 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 →Eli Lilly and Company
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Eli Lilly and Company is an American pharmaceutical company headquartered in Indianapolis, Indiana, with offices in 18 countries. Its products are sold in approximately 125 countries.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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