` Comparison: HQY, HUM - Alpha Spread

HQY
vs
HUM

Over the past 12 months, HQY has outperformed HUM, delivering a return of -5% compared to the HUM's 10% drop.

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HQY
HUM
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Stocks Compared:
HQY HUM
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Valuation Comparison

HQY Intrinsic Value
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HUM Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Healthequity Inc
NASDAQ:HQY
95.67 USD
Humana Inc
NYSE:HUM
253.02 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
HQY, HUM

HQY
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
Healthequity Inc
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
HQY, HUM

HQY
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
Healthequity Inc
NASDAQ:HQY
Humana Inc
NYSE:HUM
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HQY
66.4%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Healthequity Inc
Humana Inc
Not applicable for financial companies

Operating Margin

HQY
21.6%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Healthequity Inc
Humana Inc
Not applicable for financial companies

Net Margin

HQY
11.5%
HUM
1%
LTM 3Y Avg 5Y Avg 10Y Avg
Healthequity Inc
Humana Inc

FCF Margin

HQY
24.7%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Healthequity Inc
Humana Inc
Not applicable for financial companies

ROE

HQY
6.8%
HUM
7.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Healthequity Inc
Humana Inc

ROA

HQY
4.2%
HUM
2.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Healthequity Inc
Humana Inc

ROIC

HQY
6.9%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Healthequity Inc
Humana Inc
Not applicable for financial companies

ROCE

HQY
8.2%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Healthequity Inc
Humana Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HQY, HUM

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HUM
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Performance Gap
HQY, HUM

Performance Gap Between HQY and HUM
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Performance By Year
HQY, HUM

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HQY
HUM
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