Quick read
Fair Value Engine
Decision-focused synthesis of expected stock prices combining relative peer multiples and intrinsic models.
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot
HUM stock price vs KR: inconclusive
Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Price gap
N/A
Coverage
Medium · 60%
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Quick read
Decision-focused synthesis of expected stock prices combining relative peer multiples and intrinsic models.
Metric-by-metric
Filter, sort, and scan where each company leads, where gaps are small, and where comparisons are not meaningful.
| Metric | HUM | KR | Spread |
|---|---|---|---|
Revenue growth (YoY) HUM: FY 2024 -> FY 2025 | KR: FY 2025 -> FY 2026 | 10.1% | 0.4% | HUM leads by 2765.3% Higher Revenue growth |
Gross margin | N/M | 51.6% | Insufficient data Pricing power |
EBITDA margin | 3.0% | 2.0% | HUM leads by 54.7% Higher EBITDA margin |
EV/Revenue | N/M | N/M | Insufficient data No additional context |
P/E | N/M | N/M | Not comparable Not comparable |
Net debt / EBITDA | -1.8 | 4.8 | HUM leads by 136.8% Lower Net debt / EBITDA |
Statements
Core income statement and balance sheet metrics aligned to the reporting windows.
| Metric | HUM | Delta vs KR | KR |
|---|---|---|---|
| Revenue | $129.66B | 12.2% lower | $147.64B |
| Gross profit | — | N/A | $76.15B |
| Operating income | $2.70B | 43.1% higher | $1.89B |
| EBITDA | $3.92B | 35.9% higher | $2.88B |
| Net income | $1.19B | 16.9% higher | $1.02B |
| EPS | 9.8 | 539.0% higher | 1.5 |
| Revenue growth | 10.1% | 2765.3% higher | 0.4% |
| Gross margin | — | N/A | 51.6% |
| Operating margin | 2.1% | 62.9% higher | 1.3% |
| EBITDA margin | 3.0% | 54.7% higher | 2.0% |
| Net margin | 0.9% | 33.1% higher | 0.7% |
Trendline
Track multi-year revenue, earnings, and margin direction before underwriting a rerating.
Price framework
Market cap + debt - cash, shown for the current pair and benchmark median context.
Price framework
Baseline discounted cash flow model estimating total intrinsic firm value first, then bridging to an implied stock price per share.
Risk control
Financial health checks to separate durable balance sheets from potential value traps.
Comparable set
Place both companies in context relative to a wider comparable universe.
LLM-powered Synthesis
Based on an earlier data snapshot. Review the filing dates below or refresh after signing in.
HUM screens attractively versus KR on the provided P/E-based implied price, while also showing superior growth, profitability, and much lighter leverage, supporting a constructive relative-valuation view.
If you believe HUM’s stronger growth, superior ROIC, and much lower leverage can persist, then HUM looks attractive to own relative to KR because the current price still sits 13.7% below the P/E-implied value and below the upper end of its historical valuation band.
HUM’s current price of $349.80 sits 13.7% below the P/E-implied value of $397.69, indicating a modest valuation gap in HUM’s favor. The discount is supported by HUM’s lower P/E than KR and materially better EV/EBITDA and leverage metrics.
Supporting Metrics