Humana Inc (HUM)vsMolina Healthcare Inc (MOH)
HUM
Humana Inc
$169.90
+2.07%
HEALTHCARE · Cap: $20.49B
MOH
Molina Healthcare Inc
$139.41
-1.97%
HEALTHCARE · Cap: $7.18B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 198% more annual revenue ($129.66B vs $43.56B). MOH leads profitability with a 108.0% profit margin vs 92.0%. HUM appears more attractively valued with a PEG of 0.97. HUM earns a higher WallStSmart Score of 58/100 (C).
HUM
Buy58
out of 100
Grade: C
MOH
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-156.9%
Fair Value
$68.27
Current Price
$169.90
$101.63 premium
Margin of Safety
-102.2%
Fair Value
$60.66
Current Price
$139.41
$78.75 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 92 of every $100 in revenue as profit
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Attractively priced relative to earnings
Keeps 108 of every $100 in revenue as profit
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
ROE of 7.0% — below average capital efficiency
Earnings declined 59.3%
Negative free cash flow — burning cash
Operating margin of -1.8%
Earnings declined 73.4%
Negative free cash flow — burning cash
Operating margin of -150.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : HUM
The strongest argument for HUM centers on Price/Book, Profit Margin, Altman Z-Score. Profitability is solid with margins at 92.0% and operating margin at -1.8%. Revenue growth of 11.3% demonstrates continued momentum.
Bull Case : MOH
The strongest argument for MOH centers on Profit Margin, Altman Z-Score, P/E Ratio. Profitability is solid with margins at 108.0% and operating margin at -150.0%. PEG of 1.38 suggests the stock is reasonably priced for its growth.
Bear Case : HUM
The primary concerns for HUM are Return on Equity, EPS Growth, Free Cash Flow.
Bear Case : MOH
The primary concerns for MOH are EPS Growth, Free Cash Flow, Operating Margin.
Key Dynamics to Monitor
MOH carries more volatility with a beta of 0.50 — expect wider price swings.
HUM is growing revenue faster at 11.3% — sustainability is the question.
MOH generates stronger free cash flow (-299M), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HUM scores higher overall (58/100 vs 54/100), backed by strong 92.0% margins and 11.3% revenue growth. 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 →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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