Humana Inc (HUM)vsU.S. Bancorp (USB)
HUM
Humana Inc
$274.96
+11.27%
HEALTHCARE · Cap: $29.67B
USB
U.S. Bancorp
$55.53
+0.40%
FINANCIAL SERVICES · Cap: $85.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 415% more annual revenue ($137.20B vs $26.65B). USB leads profitability with a 29.3% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 1.40. USB earns a higher WallStSmart Score of 71/100 (B).
HUM
Buy59
out of 100
Grade: C
USB
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.9%
Fair Value
$1140.69
Current Price
$274.96
$865.73 discount
Intrinsic value data unavailable for USB.
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
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Moderate valuation
ROE of 6.3% — below average capital efficiency
0.8% margin — thin
Operating margin of 4.7%
Expensive relative to growth rate
4.6% 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 1.40 suggests the stock is reasonably priced for its growth.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : HUM
The primary concerns for HUM are P/E Ratio, Return on Equity, Profit Margin. Thin 0.8% margins leave little buffer for downturns.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
HUM profiles as a growth stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
HUM is growing revenue faster at 23.5% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (71/100 vs 59/100), backed by strong 29.3% margins. HUM offers better value entry with a 80.9% 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 →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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