Humana Inc (HUM)vsBanco Santander SA ADR (SAN)
HUM
Humana Inc
$350.08
+0.08%
HEALTHCARE · Cap: $45.53B
SAN
Banco Santander SA ADR
$12.47
+1.28%
FINANCIAL SERVICES · Cap: $188.69B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 190% more annual revenue ($137.20B vs $47.37B). SAN leads profitability with a 34.1% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 2.15. SAN earns a higher WallStSmart Score of 65/100 (C+).
HUM
Buy52
out of 100
Grade: C-
SAN
Buy65
out of 100
Grade: C+
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 SAN.
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 34 of every $100 in revenue as profit
Strong operational efficiency at 43.3%
Earnings expanding 67.4% YoY
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
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%
4.6% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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 : SAN
The strongest argument for SAN centers on Profit Margin, Operating Margin, EPS Growth. Profitability is solid with margins at 34.1% and operating margin at 43.3%.
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 : SAN
The primary concerns for SAN are Revenue Growth, PEG Ratio, Altman Z-Score. Debt-to-equity of 4.09 is elevated, increasing financial risk.
Key Dynamics to Monitor
HUM profiles as a growth stock while SAN is a value play — different risk/reward profiles.
SAN carries more volatility with a beta of 0.95 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SAN scores higher overall (65/100 vs 52/100), backed by strong 34.1% margins. HUM offers better value entry with a 23.7% 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 →Banco Santander SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Santander, SA, offers various commercial and retail banking products and services to individuals, small and medium-sized companies and large companies worldwide. The company is headquartered in Madrid, Spain.
Compare with Other HEALTHCARE PLANS Stocks
Want to dig deeper into these stocks?