Humana Inc (HUM)vsExxon Mobil Corp (XOM)
HUM
Humana Inc
$274.96
+11.27%
HEALTHCARE · Cap: $29.67B
XOM
Exxon Mobil Corp
$144.57
-1.37%
ENERGY · Cap: $607.57B
Smart Verdict
WallStSmart Research — data-driven comparison
Exxon Mobil Corp generates 138% more annual revenue ($326.01B vs $137.20B). XOM leads profitability with a 7.8% profit margin vs 0.8%. HUM appears more attractively valued with a PEG of 1.40. HUM earns a higher WallStSmart Score of 59/100 (C).
HUM
Buy59
out of 100
Grade: C
XOM
Buy50
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+80.9%
Fair Value
$1140.69
Current Price
$274.96
$865.73 discount
Margin of Safety
-34.9%
Fair Value
$107.20
Current Price
$144.57
$37.37 premium
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
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Reasonable price relative to book value
Generating 2.2B 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%
2.6% revenue growth
7.8% margin — thin
Weak financial health signals
Earnings declined 43.4%
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 : XOM
The strongest argument for XOM centers on Market Cap, Altman Z-Score, Debt/Equity. PEG of 1.42 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 : XOM
The primary concerns for XOM are Revenue Growth, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
HUM profiles as a growth stock while XOM is a value 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.
XOM generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
HUM scores higher overall (59/100 vs 50/100) and 23.5% 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 →Exxon Mobil Corp
ENERGY · OIL & GAS INTEGRATED · USA
Exxon Mobil Corporation, stylized as ExxonMobil, is an American multinational oil and gas corporation headquartered in Irving, Texas. It is the largest direct descendant of John D. Rockefeller's Standard Oil, and was formed on November 30, 1999 by the merger of Exxon (formerly the Standard Oil Company of New Jersey) and Mobil (formerly the Standard Oil Company of New York). ExxonMobil's primary brands are Exxon, Mobil, Esso, and ExxonMobil Chemical. ExxonMobil is incorporated in New Jersey.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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