Humana Inc (HUM)vsMolina Healthcare Inc (MOH)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
MOH
Molina Healthcare Inc
$190.86
-1.01%
HEALTHCARE · Cap: $10.43B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 218% more annual revenue ($137.20B vs $43.10B). HUM leads profitability with a 0.8% profit margin vs 0.4%. MOH appears more attractively valued with a PEG of 1.87. HUM earns a higher WallStSmart Score of 52/100 (C-).
HUM
Buy52
out of 100
Grade: C-
MOH
Hold44
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+23.7%
Fair Value
$403.67
Current Price
$350.08
$53.59 discount
Intrinsic value data unavailable for MOH.
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
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Generating 1.1B in free cash flow
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%
Expensive relative to growth rate
ROE of 4.6% — below average capital efficiency
0.4% margin — thin
Operating margin of 1.7%
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 : MOH
The strongest argument for MOH centers on Altman Z-Score, Price/Book, Free Cash Flow.
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 : MOH
The primary concerns for MOH are PEG Ratio, Return on Equity, Profit Margin. A P/E of 53.7x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
HUM profiles as a growth stock while MOH is a value play — different risk/reward profiles.
MOH carries more volatility with a beta of 0.80 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
HUM generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HUM scores higher overall (52/100 vs 44/100) and 23.5% revenue growth. Both earn "Buy" and "Hold" 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 →Molina Healthcare Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Molina Healthcare, Inc. provides managed care services to low-income individuals and families under the Medicaid and Medicare programs and through the state insurance marketplaces. The company is headquartered in Long Beach, California.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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