Humana Inc (HUM)vsAltria Group (MO)
HUM
Humana Inc
$246.33
+2.84%
HEALTHCARE · Cap: $28.05B
MO
Altria Group
$70.17
-3.60%
CONSUMER DEFENSIVE · Cap: $124.64B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 573% more annual revenue ($137.20B vs $20.38B). MO leads profitability with a 39.5% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 1.33. MO earns a higher WallStSmart Score of 61/100 (C+).
HUM
Buy59
out of 100
Grade: C
MO
Buy61
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.0%
Fair Value
$1141.73
Current Price
$246.33
$895.40 discount
Margin of Safety
-37.4%
Fair Value
$47.98
Current Price
$70.17
$22.19 premium
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
Keeps 40 of every $100 in revenue as profit
Strong operational efficiency at 62.3%
Earnings expanding 106.3% YoY
Conservative balance sheet, low leverage
Large-cap with strong market position
Attractively priced relative to earnings
Areas to Watch
ROE of 6.3% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Earnings declined 4.6%
Expensive relative to growth rate
ROE of 0.0% — below average capital efficiency
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 : MO
The strongest argument for MO centers on Profit Margin, Operating Margin, EPS Growth. Profitability is solid with margins at 39.5% and operating margin at 62.3%.
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 : MO
The primary concerns for MO are PEG Ratio, Return on Equity.
Key Dynamics to Monitor
HUM profiles as a growth stock while MO is a mature play — different risk/reward profiles.
MO 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.
MO generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
MO scores higher overall (61/100 vs 59/100), backed by strong 39.5% margins. HUM offers better value entry with a 81.0% margin of safety. Both earn "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 →Altria Group
CONSUMER DEFENSIVE · TOBACCO · USA
Altria Group, Inc. (previously known as Philip Morris Companies, Inc.) is an American corporation and one of the world's largest producers and marketers of tobacco, cigarettes and related products. It operates worldwide and is headquartered in unincorporated Henrico County, Virginia, just outside the city of Richmond.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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