WallStSmart

Centene Corp (CNC)vsMolina Healthcare Inc (MOH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Centene Corp generates 325% more annual revenue ($180.30B vs $42.47B). MOH leads profitability with a -0.0% profit margin vs -2.8%. CNC appears more attractively valued with a PEG of 0.81. CNC earns a higher WallStSmart Score of 56/100 (C).

CNC

Buy

56

out of 100

Grade: C

Growth: 6.7Profit: 3.0Value: 7.7Quality: 6.5
Piotroski: 6/9Altman Z: 2.83

MOH

Hold

45

out of 100

Grade: D+

Growth: 4.0Profit: 3.0Value: 5.0Quality: 7.0
Piotroski: 5/9Altman Z: 4.01
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNCUndervalued (+84.8%)

Margin of Safety

+84.8%

Fair Value

$265.86

Current Price

$66.42

$199.44 discount

UndervaluedFair: $265.86Overvalued

Intrinsic value data unavailable for MOH.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNC3 strengths · Avg: 8.7/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

PEG RatioValuation
0.818/10

Growing faster than its price suggests

Free Cash FlowQuality
$4.20B8/10

Generating 4.2B in free cash flow

MOH3 strengths · Avg: 8.7/10
Altman Z-ScoreHealth
4.0110/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.938/10

Growing faster than its price suggests

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

CNC4 concerns · Avg: 2.5/10
Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Operating MarginProfitability
3.8%3/10

Operating margin of 3.8%

Return on EquityProfitability
-22.6%2/10

ROE of -22.6% — below average capital efficiency

Profit MarginProfitability
-2.8%1/10

Currently unprofitable

MOH4 concerns · Avg: 2.3/10
Operating MarginProfitability
1.4%3/10

Operating margin of 1.4%

P/E RatioValuation
1226.9x2/10

Premium valuation, high expectations priced in

Return on EquityProfitability
-0.2%2/10

ROE of -0.2% — below average capital efficiency

Revenue GrowthGrowth
-5.7%2/10

Revenue declined 5.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : CNC

The strongest argument for CNC centers on Price/Book, PEG Ratio, Free Cash Flow. PEG of 0.81 suggests the stock is reasonably priced for its growth.

Bull Case : MOH

The strongest argument for MOH centers on Altman Z-Score, PEG Ratio, Price/Book. PEG of 0.93 suggests the stock is reasonably priced for its growth.

Bear Case : CNC

The primary concerns for CNC are Revenue Growth, Operating Margin, Return on Equity.

Bear Case : MOH

The primary concerns for MOH are Operating Margin, P/E Ratio, Return on Equity. A P/E of 1226.9x leaves little room for execution misses.

Key Dynamics to Monitor

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

CNC is growing revenue faster at 4.6% — sustainability is the question.

CNC generates stronger free cash flow (4.2B), providing more financial flexibility.

Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CNC scores higher overall (56/100 vs 45/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Centene Corp

HEALTHCARE · HEALTHCARE PLANS · USA

Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.

Molina Healthcare Inc

HEALTHCARE · HEALTHCARE PLANS · USA

Molina Healthcare, Inc. provides managed care services to low-income individuals and families under the Medicaid and Medicare programs and through the state insurance marketplaces. The company is headquartered in Long Beach, California.

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