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Compare Stocks › GOOGL vs HUM

Alphabet Inc. (GOOGL) vs Humana Inc. (HUM)

GOOGL
Alphabet Inc.
$385.69
VS
HUM
Humana Inc.
$233.63

Rewards

GOOGL
  • ★Alphabet Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Gross margin of 60.4% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
  • ★Alphabet Inc. scores 89/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
HUM
  • ★Humana Inc. scores 98/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★Dividend yield of 1.52% with a consistent or growing payout over the past 4 years.
  • ★Altman Z-Score of 4.08 indicates very low bankruptcy risk — the company is firmly in the safe zone.

Risks

GOOGL
  • ⚠FCF yield of 1.6% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
HUM
  • ⚠Gross margin of 14.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
  • ⚠FCF yield of 5.1% suggests reasonable valuation assuming continued moderate growth.
  • ⚠Free cash flow has declined at a 52.3% CAGR over the past 4 years — a concerning trend.

Key Valuation Metrics

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GOOGL
HUM
Valuation
$73.27B
Free Cash Flow
$1.43B
1.57%
FCF Yield
5.10%
29.42
Trailing P/E
24.93
27.06
Forward P/E
15.34
Quality & Moat
20.98%
ROIC
15.33%
27.61%
ROE
6.37%
60.37%
Gross Margin
14.01%
0.36
PEG Ratio
1.33
Balance Sheet Safety
0.20
Debt / Equity
0.77
N/A
Interest Coverage
N/A
-0.19
Net Debt / EBITDA
-2.26
0.22%
Dividend Yield
1.52%
GOOGL: 6Ties: 1HUM: 5
GOOGLHUM

Historical Fundamentals

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GOOGL

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

HUM

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

$1 Retained Earnings Test

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GOOGL
$9.18
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$288.67B
Δ Market Cap
+$2.65T
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
HUM
$-9.22
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$3.59B
Δ Market Cap
$-33.12B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

Discounted Cash Flow (DCF) Analysis

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GOOGL
241.8% Overvalued
Price is 241.8% above estimated fair value
Current Price: $385.69
Fair Value: $112.84
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
HUM
70.1% Margin of Safety
Price is 70.1% below estimated fair value
Current Price: $233.63
Fair Value: $782.65
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued

Reverse DCF — Market-Implied Growth

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GOOGL

What growth rate is the market pricing in at $386?

+23.5%
Market-Implied FCF Growth Rate

Market pricing in significantly higher growth than history — aggressive.

HUM

What growth rate is the market pricing in at $234?

+5.7%
Market-Implied Owner Earnings Growth
Standard FCF implies +3.1%

The market implies +5.7% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +3.1%, reflecting heavy growth investment.

Economic Moat Score

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GOOGL
89/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by roic consistency. Reinvestment Efficiency is the area most vulnerable to competitive pressure.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
HUM
98/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None

Wide moat driven primarily by revenue predictability. Margin Stability is the area most vulnerable to competitive pressure.

Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.

Forensic Accounting

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GOOGL
-2.92
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
HUM
-2.27
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

Ownership Breakdown

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GOOGL
Insiders 0.6%Institutions 80.8%Retail & Other 18.6%
No. of Institutional Holders7,168
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
HUM
Insiders 0.2%Institutions 104.5%
No. of Institutional Holders1,213
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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GOOGL
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
HUM
1
Buys (3M)
2
Buys (12M)
Total value (12M): $1.65M
SHETTY SANJAY K
Officer
$150,016
@ $185.20 · 2026-02-23
RECHTIN JAMES A.
Chief Executive Officer
$1.50M
@ $229.25 · 2025-05-14
Open market purchases · includes direct & indirect ownership · excludes option exercises

Open market purchases · includes direct & indirect ownership · excludes option exercises.

Insider Selling Activity

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GOOGL
0
Sells (3M)
0
Sells (12M)
No open market insider sales found.
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
HUM
0
Sells (3M)
0
Sells (12M)
HUVAL TIMOTHY S.
Officer
$948,925
@ $256.26 · 2024-12-31
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

🎭 Mr. Market's Mood

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GOOGL
FearGreed
😏Greed(73/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
HUM
FearGreed
😐Neutral(51/100)

"Market is pricing this stock without strong emotion in either direction"

Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

⚖️ Buffett Signal

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GOOGL
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Greed (73)
HUM
⚪Awaiting DCF Data

The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

DCF Margin of Safety: N/AMr. Market's Mood: Neutral (51)
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