Humana Inc (HUM)vsMolina Healthcare Inc (MOH)
HUM
Humana Inc
$409.80
+2.26%
HEALTHCARE · Cap: $46.96B
MOH
Molina Healthcare Inc
$204.23
+1.97%
HEALTHCARE · Cap: $10.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 243% more annual revenue ($145.68B vs $42.47B). HUM leads profitability with a 0.9% profit margin vs -0.0%. MOH appears more attractively valued with a PEG of 0.93. HUM earns a higher WallStSmart Score of 60/100 (C+).
HUM
Buy60
out of 100
Grade: C+
MOH
Hold45
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+8.5%
Fair Value
$425.30
Current Price
$409.80
$15.50 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 26.2% year-over-year
Earnings expanding 27.1% YoY
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Premium valuation, high expectations priced in
ROE of 6.7% — below average capital efficiency
0.9% margin — thin
Operating margin of 1.4%
Premium valuation, high expectations priced in
ROE of -0.2% — below average capital efficiency
Revenue declined 5.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 26.2% demonstrates continued momentum.
Bull Case : MOH
The strongest argument for MOH centers on Altman Z-Score, PEG Ratio, Price/Book. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bear Case : HUM
The primary concerns for HUM are PEG Ratio, P/E Ratio, Return on Equity. Thin 0.9% margins leave little buffer for downturns.
Bear Case : MOH
The primary concerns for MOH are Operating Margin, P/E Ratio, Return on Equity. A P/E of 1226.9x leaves little room for execution misses.
Key Dynamics to Monitor
HUM profiles as a growth stock while MOH is a turnaround play — different risk/reward profiles.
MOH carries more volatility with a beta of 0.76 — expect wider price swings.
HUM is growing revenue faster at 26.2% — sustainability is the question.
MOH generates stronger free cash flow (-324M), providing more financial flexibility.
Bottom Line
HUM scores higher overall (60/100 vs 45/100) and 26.2% 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
Want to dig deeper into these stocks?