WallStSmart

Elevance Health Inc (ELV)vsGilead Sciences Inc (GILD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Elevance Health Inc generates 574% more annual revenue ($200.42B vs $29.74B). GILD leads profitability with a 31.0% profit margin vs 2.6%. ELV appears more attractively valued with a PEG of 1.47. GILD earns a higher WallStSmart Score of 68/100 (B-).

ELV

Buy

56

out of 100

Grade: C

Growth: 4.0Profit: 5.5Value: 6.7Quality: 6.0
Piotroski: 4/9Altman Z: 2.66

GILD

Strong Buy

68

out of 100

Grade: B-

Growth: 6.0Profit: 9.5Value: 7.3Quality: 6.5
Piotroski: 7/9Altman Z: 1.97
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ELVUndervalued (+4.5%)

Margin of Safety

+4.5%

Fair Value

$416.35

Current Price

$415.53

$0.82 discount

UndervaluedFair: $416.35Overvalued
GILDUndervalued (+43.9%)

Margin of Safety

+43.9%

Fair Value

$220.62

Current Price

$129.16

$91.46 discount

UndervaluedFair: $220.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ELV4 strengths · Avg: 8.3/10
Market CapQuality
$87.28B9/10

Large-cap with strong market position

P/E RatioValuation
17.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.10B8/10

Generating 4.1B in free cash flow

GILD6 strengths · Avg: 9.5/10
Return on EquityProfitability
39.2%10/10

Every $100 of equity generates 39 in profit

Profit MarginProfitability
31.0%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
39.3%10/10

Strong operational efficiency at 39.3%

EPS GrowthGrowth
54.8%10/10

Earnings expanding 54.8% YoY

Market CapQuality
$154.33B9/10

Large-cap with strong market position

P/E RatioValuation
16.9x8/10

Attractively priced relative to earnings

Areas to Watch

ELV3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
2.6%4/10

2.6% revenue growth

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

EPS GrowthGrowth
-16.8%2/10

Earnings declined 16.8%

GILD3 concerns · Avg: 4.0/10
PEG RatioValuation
2.144/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Altman Z-ScoreHealth
1.974/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull Case : ELV

The strongest argument for ELV centers on Market Cap, P/E Ratio, Price/Book. PEG of 1.47 suggests the stock is reasonably priced for its growth.

Bull Case : GILD

The strongest argument for GILD centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 39.3%.

Bear Case : ELV

The primary concerns for ELV are Revenue Growth, Profit Margin, EPS Growth. Thin 2.6% margins leave little buffer for downturns.

Bear Case : GILD

The primary concerns for GILD are PEG Ratio, Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

ELV carries more volatility with a beta of 0.68 — expect wider price swings.

GILD is growing revenue faster at 4.4% — sustainability is the question.

ELV generates stronger free cash flow (4.1B), providing more financial flexibility.

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

Bottom Line

GILD scores higher overall (68/100 vs 56/100), backed by strong 31.0% margins. 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.

Elevance Health Inc

HEALTHCARE · HEALTHCARE PLANS · USA

Elevance Health Inc. is a health benefits company. The company is headquartered in Indianapolis, Indiana.

Gilead Sciences Inc

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Gilead Sciences, Inc. is an American biopharmaceutical company headquartered in Foster City, California, that focuses on researching and developing antiviral drugs used in the treatment of HIV, hepatitis B, hepatitis C, and influenza, including Harvoni and Sovaldi.

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