WallStSmart

Humana Inc (HUM)vsWPP PLC ADR (WPP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Humana Inc generates 857% more annual revenue ($129.66B vs $13.55B). HUM leads profitability with a 0.9% profit margin vs -1.6%. 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

WPP

Avoid

35

out of 100

Grade: F

Growth: 2.0Profit: 3.0Value: 4.0Quality: 2.5
Piotroski: 3/9Altman Z: 0.73
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

Intrinsic value data unavailable for WPP.

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

WPP1 strengths · Avg: 8.0/10
Free Cash FlowQuality
$1.71B8/10

Generating 1.7B 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

WPP4 concerns · Avg: 2.5/10
Operating MarginProfitability
2.2%3/10

Operating margin of 2.2%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
4.232/10

Expensive relative to growth rate

Return on EquityProfitability
-5.3%2/10

ROE of -5.3% — below average capital efficiency

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 : WPP

The strongest argument for WPP centers on 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 : WPP

The primary concerns for WPP are Operating Margin, Piotroski F-Score, PEG Ratio. Debt-to-equity of 2.13 is elevated, increasing financial risk.

Key Dynamics to Monitor

HUM profiles as a value stock while WPP is a turnaround play — different risk/reward profiles.

WPP carries more volatility with a beta of 0.53 — expect wider price swings.

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

WPP generates stronger free cash flow (1.7B), providing more financial flexibility.

Bottom Line

HUM scores higher overall (58/100 vs 35/100) and 11.3% revenue growth. Both earn "Buy" and "Avoid" 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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WPP PLC ADR

COMMUNICATION SERVICES · ADVERTISING AGENCIES · USA

WPP plc, a creative transformation company, provides communications, expertise, trade and technology services in North America, the UK, Western Continental Europe, Asia Pacific, Latin America, Africa, the Middle East, and Central and Eastern Europe. The company is headquartered in London, the United Kingdom.

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