Humana Inc (HUM)vsWipro Limited ADR (WIT)
HUM
Humana Inc
$174.24
+1.17%
HEALTHCARE · Cap: $20.77B
WIT
Wipro Limited ADR
$2.09
-0.48%
TECHNOLOGY · Cap: $22.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Wipro Limited ADR generates 601% more annual revenue ($908.92B vs $129.66B). WIT leads profitability with a 14.6% 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
Buy58
out of 100
Grade: C
WIT
Buy53
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-162.4%
Fair Value
$66.84
Current Price
$174.24
$107.40 premium
Margin of Safety
-171.6%
Fair Value
$0.88
Current Price
$2.09
$1.21 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Attractively priced relative to earnings
Generating 37.9B in free cash flow
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
ROE of 7.0% — below average capital efficiency
0.9% margin — thin
Earnings declined 59.3%
Negative free cash flow — burning cash
Expensive relative to growth rate
Earnings declined 7.2%
Comparative Analysis Report
WallStSmart ResearchBull 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 : WIT
The strongest argument for WIT centers on Free Cash Flow, Altman Z-Score, P/E Ratio.
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 : WIT
The primary concerns for WIT are PEG Ratio, EPS Growth.
Key Dynamics to Monitor
HUM carries more volatility with a beta of 0.41 — expect wider price swings.
HUM is growing revenue faster at 11.3% — sustainability is the question.
WIT generates stronger free cash flow (37.9B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HUM scores higher overall (58/100 vs 53/100) 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.
Visit Website →Wipro Limited ADR
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
Wipro Limited is a global information technology (IT), consulting and business process services company. The company is headquartered in Bengaluru, India.
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