` Comparison: HAPV3, HUM - Alpha Spread

HAPV3
vs
HUM

Over the past 12 months, HAPV3 has underperformed HUM, delivering a return of -60% compared to the HUM's 10% drop.

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HAPV3
HUM
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Stocks Compared:
HAPV3 HUM
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Valuation Comparison

HAPV3 Intrinsic Value
68.52 BRL
Undervaluation 79%
Intrinsic Value
Price
HUM Intrinsic Value
529.18 USD
Undervaluation 51%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Hapvida Participacoes e Investimentos SA
BOVESPA:HAPV3
14.47 BRL
Humana Inc
NYSE:HUM
257.85 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
HAPV3, HUM

HAPV3
HUM
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Hapvida Participacoes e Investimentos SA
Revenue
Humana Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
HAPV3, HUM

HAPV3
HUM
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Hapvida Participacoes e Investimentos SA
BOVESPA:HAPV3
Humana Inc
NYSE:HUM
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HAPV3
23.4%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Hapvida Participacoes e Investimentos SA
Humana Inc
Not applicable for financial companies

Operating Margin

HAPV3
12.6%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Hapvida Participacoes e Investimentos SA
Humana Inc
Not applicable for financial companies

Net Margin

HAPV3
-2.7%
HUM
1%

FCF Margin

HAPV3
10.9%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Hapvida Participacoes e Investimentos SA
Humana Inc
Not applicable for financial companies

ROE

HAPV3
-1%
HUM
7.2%

ROA

HAPV3
-0.6%
HUM
2.6%

ROIC

HAPV3
10%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Hapvida Participacoes e Investimentos SA
Humana Inc
Not applicable for financial companies

ROCE

HAPV3
3.3%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Hapvida Participacoes e Investimentos SA
Humana Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HAPV3, HUM

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Performance Gap
HAPV3, HUM

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HAPV3
HUM
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HAPV3, HUM

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HUM
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