` Comparison: HUM vs CI - Alpha Spread

HUM
vs
CI

Over the past 12 months, HUM has underperformed CI, delivering a return of -19% compared to the CI's 5% drop.

Valuation Growth Profitability Solvency Stocks Performance
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HUM
CI
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Stocks Compared:
HUM CI
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Valuation Comparison

HUM Intrinsic Value
519.55 EUR
Undervaluation 56%
Intrinsic Value
Price
CI Intrinsic Value
574.22 USD
Undervaluation 52%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Humana Inc
DUS:HUM
226.4 EUR
Cigna Corp
NYSE:CI
278.45 USD
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Valuation Scenario:
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Base Case
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Growth Comparison

Growth Over Time
HUM, CI

HUM
CI
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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
Humana Inc
Revenue
Cigna Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
HUM, CI

HUM
CI
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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
Humana Inc
DUS:HUM
FCF is not applicable for financial companies
Cigna Corp
NYSE:CI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HUM
CI
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Not applicable for financial companies
Cigna Corp
Not applicable for financial companies

Operating Margin

HUM
CI
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Not applicable for financial companies
Cigna Corp
Not applicable for financial companies

Net Margin

HUM
1%
CI
2.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Cigna Corp

FCF Margin

HUM
CI
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Not applicable for financial companies
Cigna Corp
Not applicable for financial companies

ROE

HUM
7.2%
CI
14.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Cigna Corp

ROA

HUM
2.6%
CI
3.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Cigna Corp

ROIC

HUM
CI
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Not applicable for financial companies
Cigna Corp
Not applicable for financial companies

ROCE

HUM
CI
LTM 3Y Avg 5Y Avg 10Y Avg
Humana Inc
Not applicable for financial companies
Cigna Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HUM, CI

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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
HUM, CI

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

Performance By Year
HUM, CI

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CI
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