WallStSmart

Humana Inc (HUM)vsMastercard Inc (MA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Humana Inc generates 304% more annual revenue ($137.20B vs $33.94B). MA leads profitability with a 45.9% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 1.33. MA earns a higher WallStSmart Score of 70/100 (B).

HUM

Buy

59

out of 100

Grade: C

Growth: 6.0Profit: 4.5Value: 7.3Quality: 7.5
Piotroski: 4/9Altman Z: 4.37

MA

Strong Buy

70

out of 100

Grade: B

Growth: 8.0Profit: 10.0Value: 5.0Quality: 6.0
Piotroski: 6/9Altman Z: 4.08
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HUMUndervalued (+81.0%)

Margin of Safety

+81.0%

Fair Value

$1141.73

Current Price

$246.33

$895.40 discount

UndervaluedFair: $1141.73Overvalued

Intrinsic value data unavailable for MA.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HUM4 strengths · Avg: 8.5/10
Altman Z-ScoreHealth
4.3710/10

Safe zone — low bankruptcy risk

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
23.5%8/10

Revenue surging 23.5% year-over-year

Free Cash FlowQuality
$1.13B8/10

Generating 1.1B in free cash flow

MA6 strengths · Avg: 9.7/10
Market CapQuality
$445.98B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
232.1%10/10

Every $100 of equity generates 232 in profit

Profit MarginProfitability
45.9%10/10

Keeps 46 of every $100 in revenue as profit

Operating MarginProfitability
60.8%10/10

Strong operational efficiency at 60.8%

Altman Z-ScoreHealth
4.0810/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
15.8%8/10

15.8% revenue growth

Areas to Watch

HUM4 concerns · Avg: 2.8/10
Return on EquityProfitability
6.3%3/10

ROE of 6.3% — below average capital efficiency

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

Operating MarginProfitability
4.7%3/10

Operating margin of 4.7%

EPS GrowthGrowth
-4.6%2/10

Earnings declined 4.6%

MA4 concerns · Avg: 2.8/10
PEG RatioValuation
1.594/10

Expensive relative to growth rate

P/E RatioValuation
28.6x4/10

Moderate valuation

Price/BookValuation
56.9x2/10

Trading at 56.9x book value

Debt/EquityHealth
2.451/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull 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 : MA

The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% 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 : MA

The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.45 is elevated, increasing financial risk.

Key Dynamics to Monitor

MA carries more volatility with a beta of 0.76 — expect wider price swings.

HUM is growing revenue faster at 23.5% — sustainability is the question.

MA generates stronger free cash flow (2.8B), providing more financial flexibility.

Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MA scores higher overall (70/100 vs 59/100), backed by strong 45.9% margins and 15.8% 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 →

Mastercard Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.

Visit Website →

Want to dig deeper into these stocks?