Elevance Health Inc (ELV)vsMastercard Inc (MA)
ELV
Elevance Health Inc
$374.71
+1.53%
HEALTHCARE · Cap: $80.93B
MA
Mastercard Inc
$491.89
-1.04%
FINANCIAL SERVICES · Cap: $445.98B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 491% more annual revenue ($200.42B vs $33.94B). MA leads profitability with a 45.9% profit margin vs 2.6%. ELV appears more attractively valued with a PEG of 1.43. MA earns a higher WallStSmart Score of 70/100 (B).
ELV
Buy56
out of 100
Grade: C
MA
Strong Buy70
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.5%
Fair Value
$1011.48
Current Price
$374.71
$636.77 discount
Intrinsic value data unavailable for MA.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 4.1B in free cash flow
Mega-cap, among the largest globally
Every $100 of equity generates 232 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 60.8%
Safe zone — low bankruptcy risk
15.8% revenue growth
Areas to Watch
2.6% revenue growth
2.6% margin — thin
Weak financial health signals
Earnings declined 16.8%
Expensive relative to growth rate
Moderate valuation
Trading at 56.9x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ELV
The strongest argument for ELV centers on Market Cap, P/E Ratio, Price/Book. PEG of 1.43 suggests the stock is reasonably priced for its growth.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 45.9% and operating margin at 60.8%. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : ELV
The primary concerns for ELV are Revenue Growth, Profit Margin, Piotroski F-Score. Thin 2.6% margins leave little buffer for downturns.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.45 is elevated, increasing financial risk.
Key Dynamics to Monitor
ELV profiles as a value stock while MA is a growth play — different risk/reward profiles.
MA carries more volatility with a beta of 0.76 — expect wider price swings.
MA is growing revenue faster at 15.8% — sustainability is the question.
ELV generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
MA scores higher overall (70/100 vs 56/100), backed by strong 45.9% margins and 15.8% revenue growth. ELV offers better value entry with a 63.5% margin of safety. 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.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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