Microsoft Corporation
$3.68T- Market cap
- $3.71T
- Debt
- +$49.52B
- Cash
- −$76.84B
Capital structure 99% equity / 1% debt · EV / Revenue 11.10x · EV / EBITDA 17.97x
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · Mkt cap
Decision snapshot: MSFT stock price vs HUM: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at HUM's multiple
Needs HUM P/E.
Implied fair value · at MSFT's multiple
Snapshot Sep 4, 4:00 PM ET
Metric by metric
Where each company leads, and how wide the gap is.
Growth edge
Pricing power
Operating leverage
Multiple premium
Not comparable
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: MSFT FY 2026 (ended Jun 30, 2026) · HUM FY 2025 (ended Dec 31, 2025). Fiscal years are not aligned.
Trendline
Six fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Capital structure 99% equity / 1% debt · EV / Revenue 11.10x · EV / EBITDA 17.97x
Capital structure 80% equity / 20% debt · EV / Revenue 0.31x · EV / EBITDA 11.87x
MSFT carries the larger enterprise value at $3.68T against $40.68B; HUM trades on the lower EV / Revenue multiple (0.31x vs 11.10x); HUM on the lower EV / EBITDA (11.87x vs 17.97x).
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
MICROSOFT CORPORATION · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
HUMANA INC · implied price per share
Bear
$260.99
Base
$299.78
Bull
$352.11
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Debt / equity
Total debt against shareholders' equity
0.11x
0.70x
Net debt / EBITDA
Leverage against operating earnings
-0.13x
-2.20x
Cash and equivalents
Liquid reserves on the balance sheet
$76.84B
$19.90B
Total debt
Interest-bearing obligations outstanding
Comparable set
Where the pair sits against the wider comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
Apple Inc.
MSFT vs AAPL
Alphabet Inc.
MSFT vs GOOGL
AMAZON COM INC
MSFT vs AMZN
ADOBE INC.
MSFT vs ADBE
NVIDIA CORP
MSFT vs NVDA
CISCO SYSTEMS, INC.
MSFT vs CSCO
UNITEDHEALTH GROUP INC
MSFT vs UNH
Elevance Health, Inc.
MSFT vs ELV
CVS HEALTH Corp
MSFT vs CVS
Cigna Group
MSFT vs CI
CENTENE CORP
MSFT vs CNC
Oscar Health, Inc.
MSFT vs OSCR
$49.52B
$12.37B
LLM-powered synthesis
An on-demand narrative read of the same deterministic data.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe MSFT can sustain its current growth and profitability premium, then owning or adding to MSFT makes sense because its 17.8% revenue growth, 46.8% operating margin, and 37.4% ROIC justify a premium profile even though the DCF range suggests the stock is already rich.
On a P/E basis, MSFT trades at 26.9x versus HUM at 39.1x, yet the implied price of $702.31 still sits 40.5% above the current $499.99. The market is assigning MSFT a premium-quality multiple, but the upside from the model is driven by that multiple still expanding rather than by a deep valuation discount today.
Supporting Metrics