WallStSmart

CVS Health Corp (CVS)vsMolina Healthcare Inc (MOH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CVS Health Corp generates 872% more annual revenue ($412.64B vs $42.47B). CVS leads profitability with a 1.2% profit margin vs -0.0%. CVS appears more attractively valued with a PEG of 0.22. CVS earns a higher WallStSmart Score of 67/100 (B-).

CVS

Strong Buy

67

out of 100

Grade: B-

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

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

CVSUndervalued (+45.4%)

Margin of Safety

+45.4%

Fair Value

$141.12

Current Price

$94.66

$46.46 discount

UndervaluedFair: $141.12Overvalued

Intrinsic value data unavailable for MOH.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

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

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%

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 : 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.

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 : CVS

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

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

CVS profiles as a value stock while MOH is a turnaround play — different risk/reward profiles.

MOH carries more volatility with a beta of 0.76 — expect wider price swings.

CVS is growing revenue faster at 7.1% — 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 45/100). Both earn "Strong 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.

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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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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