WallStSmart

Elevance Health Inc (ELV)vs3M Company (MMM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Elevance Health Inc generates 701% more annual revenue ($200.42B vs $25.02B). MMM leads profitability with a 11.1% profit margin vs 2.6%. ELV appears more attractively valued with a PEG of 1.47. MMM earns a higher WallStSmart Score of 56/100 (C).

ELV

Buy

56

out of 100

Grade: C

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

MMM

Buy

56

out of 100

Grade: C

Growth: 2.7Profit: 8.0Value: 3.3Quality: 5.5
Piotroski: 5/9Altman Z: 2.82
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
MMMSignificantly Overvalued (-51.4%)

Margin of Safety

-51.4%

Fair Value

$114.14

Current Price

$153.76

$39.62 premium

UndervaluedFair: $114.14Overvalued

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

MMM3 strengths · Avg: 9.0/10
Return on EquityProfitability
85.4%10/10

Every $100 of equity generates 85 in profit

Market CapQuality
$82.53B9/10

Large-cap with strong market position

Operating MarginProfitability
23.3%8/10

Strong operational efficiency at 23.3%

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%

MMM4 concerns · Avg: 3.5/10
PEG RatioValuation
1.684/10

Expensive relative to growth rate

P/E RatioValuation
30.5x4/10

Premium valuation, high expectations priced in

Revenue GrowthGrowth
1.3%4/10

1.3% revenue growth

Price/BookValuation
24.6x2/10

Trading at 24.6x book value

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 : MMM

The strongest argument for MMM centers on Return on Equity, Market Cap, Operating Margin.

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 : MMM

The primary concerns for MMM are PEG Ratio, P/E Ratio, Revenue Growth. Debt-to-equity of 3.85 is elevated, increasing financial risk.

Key Dynamics to Monitor

MMM carries more volatility with a beta of 1.09 — expect wider price swings.

ELV is growing revenue faster at 2.6% — 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

ELV scores higher overall (56/100 vs 56/100). 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.

Elevance Health Inc

HEALTHCARE · HEALTHCARE PLANS · USA

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

3M Company

INDUSTRIALS · CONGLOMERATES · USA

The 3M Company is an American multinational conglomerate corporation operating in the fields of industry, worker safety, US health care, and consumer goods. The company produces over 60,000 products under several brands, including adhesives, abrasives, laminates, passive fire protection, personal protective equipment, window films, paint protection films, dental and orthodontic products, electrical and electronic connecting and insulating materials, medical products, car-care products, electronic circuits, healthcare software and optical films. It is based in Maplewood, a suburb of Saint Paul, Minnesota.

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