WallStSmart

Humana Inc (HUM)vsWarner Bros Discovery Inc (WBD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Humana Inc generates 248% more annual revenue ($129.66B vs $37.30B). WBD leads profitability with a 1.9% profit margin vs 0.9%. HUM appears more attractively valued with a PEG of 0.99. HUM earns a higher WallStSmart Score of 58/100 (C).

HUM

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 4.0Value: 7.3Quality: 8.5
Piotroski: 4/9Altman Z: 4.37

WBD

Buy

51

out of 100

Grade: C-

Growth: 3.3Profit: 4.5Value: 2.0Quality: 4.3
Piotroski: 4/9Altman Z: 0.59
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HUMSignificantly Overvalued (-162.4%)

Margin of Safety

-162.4%

Fair Value

$66.84

Current Price

$174.24

$107.40 premium

UndervaluedFair: $66.84Overvalued
WBDSignificantly Overvalued (-106.3%)

Margin of Safety

-106.3%

Fair Value

$13.57

Current Price

$27.22

$13.65 premium

UndervaluedFair: $13.57Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HUM4 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
4.3710/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.998/10

Growing faster than its price suggests

P/E RatioValuation
17.5x8/10

Attractively priced relative to earnings

WBD3 strengths · Avg: 8.3/10
Market CapQuality
$67.68B9/10

Large-cap with strong market position

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$1.38B8/10

Generating 1.4B in free cash flow

Areas to Watch

HUM4 concerns · Avg: 2.5/10
Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Profit MarginProfitability
0.9%3/10

0.9% margin — thin

EPS GrowthGrowth
-59.3%2/10

Earnings declined 59.3%

Free Cash FlowQuality
$-1.85B2/10

Negative free cash flow — burning cash

WBD4 concerns · Avg: 3.0/10
EPS GrowthGrowth
2.3%4/10

2.3% earnings growth

Return on EquityProfitability
2.1%3/10

ROE of 2.1% — below average capital efficiency

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

PEG RatioValuation
216.922/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : HUM

The strongest argument for HUM centers on Price/Book, Altman Z-Score, PEG Ratio. Revenue growth of 11.3% demonstrates continued momentum. PEG of 0.99 suggests the stock is reasonably priced for its growth.

Bull Case : WBD

The strongest argument for WBD centers on Market Cap, Price/Book, Free Cash Flow.

Bear Case : HUM

The primary concerns for HUM are Return on Equity, Profit Margin, EPS Growth. Thin 0.9% margins leave little buffer for downturns.

Bear Case : WBD

The primary concerns for WBD are EPS Growth, Return on Equity, Profit Margin. A P/E of 94.1x leaves little room for execution misses. Thin 1.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

WBD carries more volatility with a beta of 1.68 — expect wider price swings.

HUM is growing revenue faster at 11.3% — sustainability is the question.

WBD generates stronger free cash flow (1.4B), providing more financial flexibility.

Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HUM scores higher overall (58/100 vs 51/100) 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.

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Warner Bros Discovery Inc

COMMUNICATION SERVICES · ENTERTAINMENT · USA

Warner Bros. The company is headquartered in New York, New York.

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