WallStSmart

CVS Health Corp (CVS)vsWipro Limited ADR (WIT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Wipro Limited ADR generates 128% more annual revenue ($926.24B vs $405.62B). WIT leads profitability with a 14.2% profit margin vs 0.7%. CVS appears more attractively valued with a PEG of 0.28. CVS earns a higher WallStSmart Score of 65/100 (C+).

CVS

Buy

65

out of 100

Grade: C+

Growth: 7.3Profit: 4.0Value: 8.0Quality: 5.0
Piotroski: 4/9Altman Z: 2.11

WIT

Buy

59

out of 100

Grade: C

Growth: 4.0Profit: 7.0Value: 6.3Quality: 8.0
Piotroski: 2/9Altman Z: 3.17
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVSUndervalued (+45.3%)

Margin of Safety

+45.3%

Fair Value

$140.72

Current Price

$95.93

$44.79 discount

UndervaluedFair: $140.72Overvalued

Intrinsic value data unavailable for WIT.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVS5 strengths · Avg: 9.0/10
PEG RatioValuation
0.2810/10

Growing faster than its price suggests

EPS GrowthGrowth
63.1%10/10

Earnings expanding 63.1% YoY

Market CapQuality
$128.46B9/10

Large-cap with strong market position

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$3.40B8/10

Generating 3.4B in free cash flow

WIT5 strengths · Avg: 9.0/10
Free Cash FlowQuality
$26.91B10/10

Generating 26.9B in free cash flow

Altman Z-ScoreHealth
3.1710/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

P/E RatioValuation
16.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

CVS4 concerns · Avg: 3.0/10
Return on EquityProfitability
3.8%3/10

ROE of 3.8% — below average capital efficiency

Profit MarginProfitability
0.7%3/10

0.7% margin — thin

Operating MarginProfitability
4.1%3/10

Operating margin of 4.1%

Debt/EquityHealth
1.013/10

Elevated debt levels

WIT2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

EPS GrowthGrowth
-1.6%2/10

Earnings declined 1.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : CVS

The strongest argument for CVS centers on PEG Ratio, EPS Growth, Market Cap. PEG of 0.28 suggests the stock is reasonably priced for its growth.

Bull Case : WIT

The strongest argument for WIT centers on Free Cash Flow, Altman Z-Score, Debt/Equity. PEG of 1.39 suggests the stock is reasonably priced for its growth.

Bear Case : CVS

The primary concerns for CVS are Return on Equity, Profit Margin, Operating Margin. A P/E of 44.2x leaves little room for execution misses. Thin 0.7% margins leave little buffer for downturns.

Bear Case : WIT

The primary concerns for WIT are Piotroski F-Score, EPS Growth.

Key Dynamics to Monitor

CVS carries more volatility with a beta of 0.62 — expect wider price swings.

WIT is growing revenue faster at 7.7% — sustainability is the question.

WIT generates stronger free cash flow (26.9B), providing more financial flexibility.

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

Bottom Line

CVS scores higher overall (65/100 vs 59/100). Both earn "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.

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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Wipro Limited ADR

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

Wipro Limited is a global information technology (IT), consulting and business process services company. The company is headquartered in Bengaluru, India.

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