WallStSmart

Humana Inc (HUM)vsWoodside Energy Group Ltd (WDS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Humana Inc generates 957% more annual revenue ($137.20B vs $12.98B). WDS leads profitability with a 20.9% profit margin vs 0.8%. WDS appears more attractively valued with a PEG of 1.33. HUM earns a higher WallStSmart Score of 59/100 (C).

HUM

Buy

59

out of 100

Grade: C

Growth: 6.0Profit: 4.5Value: 7.3Quality: 7.5
Piotroski: 4/9Altman Z: 4.37

WDS

Buy

53

out of 100

Grade: C-

Growth: 2.0Profit: 6.0Value: 8.0Quality: 4.8
Piotroski: 2/9Altman Z: 1.37
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HUMUndervalued (+80.9%)

Margin of Safety

+80.9%

Fair Value

$1140.69

Current Price

$274.96

$865.73 discount

UndervaluedFair: $1140.69Overvalued
WDSUndervalued (+31.5%)

Margin of Safety

+31.5%

Fair Value

$27.39

Current Price

$21.57

$5.82 discount

UndervaluedFair: $27.39Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HUM4 strengths · Avg: 8.5/10
Altman Z-ScoreHealth
4.3710/10

Safe zone — low bankruptcy risk

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
23.5%8/10

Revenue surging 23.5% year-over-year

Free Cash FlowQuality
$1.13B8/10

Generating 1.1B in free cash flow

WDS3 strengths · Avg: 9.0/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
20.9%9/10

Keeps 21 of every $100 in revenue as profit

P/E RatioValuation
15.4x8/10

Attractively priced relative to earnings

Areas to Watch

HUM4 concerns · Avg: 3.3/10
P/E RatioValuation
26.4x4/10

Moderate valuation

Return on EquityProfitability
6.3%3/10

ROE of 6.3% — below average capital efficiency

Profit MarginProfitability
0.8%3/10

0.8% margin — thin

Operating MarginProfitability
4.7%3/10

Operating margin of 4.7%

WDS4 concerns · Avg: 2.5/10
Return on EquityProfitability
7.2%3/10

ROE of 7.2% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-11.1%2/10

Revenue declined 11.1%

EPS GrowthGrowth
-14.4%2/10

Earnings declined 14.4%

Comparative Analysis Report

WallStSmart Research

Bull 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 : WDS

The strongest argument for WDS centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 20.9% and operating margin at 19.1%. PEG of 1.33 suggests the stock is reasonably priced for its growth.

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 : WDS

The primary concerns for WDS are Return on Equity, Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

HUM profiles as a growth stock while WDS is a declining play — different risk/reward profiles.

HUM carries more volatility with a beta of 0.68 — expect wider price swings.

HUM is growing revenue faster at 23.5% — sustainability is the question.

HUM generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

HUM scores higher overall (59/100 vs 53/100) and 23.5% revenue growth. WDS offers better value entry with a 31.5% 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.

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Woodside Energy Group Ltd

ENERGY · OIL & GAS E&P · USA

Woodside Energy Group Ltd is engaged in the exploration, evaluation, development, production, marketing and sale of hydrocarbons in Oceania, Asia, Canada, Africa and internationally. The company is headquartered in Perth, Australia.

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