Humana Inc (HUM)vsThe Travelers Companies Inc (TRV)
HUM
Humana Inc
$246.33
+2.84%
HEALTHCARE · Cap: $28.05B
TRV
The Travelers Companies Inc
$301.59
+0.08%
FINANCIAL SERVICES · Cap: $64.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 180% more annual revenue ($137.20B vs $48.94B). TRV leads profitability with a 15.5% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 1.33. TRV earns a higher WallStSmart Score of 72/100 (B).
HUM
Buy59
out of 100
Grade: C
TRV
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.0%
Fair Value
$1141.73
Current Price
$246.33
$895.40 discount
Intrinsic value data unavailable for TRV.
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
Attractively priced relative to earnings
Earnings expanding 357.6% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
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
1.0% revenue growth
Distress zone — elevated risk
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 : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 15.5% and operating margin at 18.7%.
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 : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
HUM profiles as a growth stock while TRV is a value play — different risk/reward profiles.
TRV carries more volatility with a beta of 0.52 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
TRV generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
TRV scores higher overall (72/100 vs 59/100), backed by strong 15.5% margins. HUM offers better value entry with a 81.0% margin of safety. Both earn "Strong 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 →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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