WallStSmart

Alignment Healthcare LLC (ALHC)vsCVS Health Corp (CVS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CVS Health Corp generates 8915% more annual revenue ($412.64B vs $4.58B). CVS leads profitability with a 1.2% profit margin vs 0.9%. CVS trades at a lower P/E of 25.1x. CVS earns a higher WallStSmart Score of 67/100 (B-).

ALHC

Buy

60

out of 100

Grade: C

Growth: 10.0Profit: 5.0Value: 4.3Quality: 6.0
Piotroski: 4/9Altman Z: 2.99

CVS

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 4.0Value: 8.7Quality: 5.5
Piotroski: 4/9Altman Z: 2.11
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ALHCUndervalued (+9.4%)

Margin of Safety

+9.4%

Fair Value

$22.51

Current Price

$12.61

$9.90 discount

UndervaluedFair: $22.51Overvalued
CVSUndervalued (+45.4%)

Margin of Safety

+45.4%

Fair Value

$141.12

Current Price

$94.66

$46.46 discount

UndervaluedFair: $141.12Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ALHC2 strengths · Avg: 10.0/10
Revenue GrowthGrowth
31.6%10/10

Revenue surging 31.6% year-over-year

EPS GrowthGrowth
142.9%10/10

Earnings expanding 142.9% YoY

CVS5 strengths · Avg: 9.0/10
PEG RatioValuation
0.2210/10

Growing faster than its price suggests

EPS GrowthGrowth
188.8%10/10

Earnings expanding 188.8% YoY

Market CapQuality
$121.07B9/10

Large-cap with strong market position

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$5.65B8/10

Generating 5.7B in free cash flow

Areas to Watch

ALHC4 concerns · Avg: 3.3/10
Price/BookValuation
9.9x4/10

Trading at 9.9x book value

Profit MarginProfitability
0.9%3/10

0.9% margin — thin

Operating MarginProfitability
3.1%3/10

Operating margin of 3.1%

Debt/EquityHealth
1.253/10

Elevated debt levels

CVS4 concerns · Avg: 3.3/10
P/E RatioValuation
25.1x4/10

Moderate valuation

Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

Profit MarginProfitability
1.2%3/10

1.2% margin — thin

Operating MarginProfitability
3.9%3/10

Operating margin of 3.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : ALHC

The strongest argument for ALHC centers on Revenue Growth, EPS Growth. Revenue growth of 31.6% demonstrates continued momentum.

Bull Case : CVS

The strongest argument for CVS centers on PEG Ratio, EPS Growth, Market Cap. PEG of 0.22 suggests the stock is reasonably priced for its growth.

Bear Case : ALHC

The primary concerns for ALHC are Price/Book, Profit Margin, Operating Margin. A P/E of 71.3x leaves little room for execution misses. Thin 0.9% margins leave little buffer for downturns.

Bear Case : CVS

The primary concerns for CVS are P/E Ratio, Return on Equity, Profit Margin. Thin 1.2% margins leave little buffer for downturns.

Key Dynamics to Monitor

ALHC profiles as a hypergrowth stock while CVS is a value play — different risk/reward profiles.

ALHC carries more volatility with a beta of 1.11 — expect wider price swings.

ALHC is growing revenue faster at 31.6% — sustainability is the question.

CVS generates stronger free cash flow (5.7B), providing more financial flexibility.

Bottom Line

CVS scores higher overall (67/100 vs 60/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Alignment Healthcare LLC

HEALTHCARE · HEALTHCARE PLANS · USA

Alignment Healthcare, Inc. provides a consumer-centric platform that provides personalized healthcare to seniors in the United States. The company is headquartered in Orange, California.

CVS Health Corp

HEALTHCARE · HEALTHCARE PLANS · USA

CVS Health (previously CVS Corporation and CVS Caremark Corporation) is an American healthcare company that owns CVS Pharmacy, a retail pharmacy chain; CVS Caremark, a pharmacy benefits manager; Aetna, a health insurance provider, among many other brands. The company's headquarters is in Woonsocket, Rhode Island.

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