WallStSmart

Elevance Health Inc (ELV)vsMolina Healthcare Inc (MOH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Elevance Health Inc generates 357% more annual revenue ($199.13B vs $43.56B). MOH leads profitability with a 108.0% profit margin vs 2.8%. ELV appears more attractively valued with a PEG of 1.17. ELV earns a higher WallStSmart Score of 67/100 (B-).

ELV

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 5.0Value: 10.0Quality: 5.0
Piotroski: 3/9

MOH

Buy

54

out of 100

Grade: C-

Growth: 5.3Profit: 6.0Value: 7.3Quality: 8.0
Piotroski: 4/9Altman Z: 4.01
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ELVUndervalued (+75.3%)

Margin of Safety

+75.3%

Fair Value

$1179.83

Current Price

$291.48

$888.35 discount

UndervaluedFair: $1179.83Overvalued
MOHSignificantly Overvalued (-102.2%)

Margin of Safety

-102.2%

Fair Value

$60.66

Current Price

$139.41

$78.75 premium

UndervaluedFair: $60.66Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ELV4 strengths · Avg: 9.3/10
P/E RatioValuation
11.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Market CapQuality
$64.33B9/10

Large-cap with strong market position

EPS GrowthGrowth
36.3%8/10

Earnings expanding 36.3% YoY

MOH4 strengths · Avg: 9.0/10
Profit MarginProfitability
108.0%10/10

Keeps 108 of every $100 in revenue as profit

Altman Z-ScoreHealth
4.0110/10

Safe zone — low bankruptcy risk

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

ELV4 concerns · Avg: 2.8/10
Profit MarginProfitability
2.8%3/10

2.8% margin — thin

Operating MarginProfitability
1.5%3/10

Operating margin of 1.5%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-209.00M2/10

Negative free cash flow — burning cash

MOH3 concerns · Avg: 1.7/10
EPS GrowthGrowth
-73.4%2/10

Earnings declined 73.4%

Free Cash FlowQuality
$-299.00M2/10

Negative free cash flow — burning cash

Operating MarginProfitability
-150.0%1/10

Operating margin of -150.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : ELV

The strongest argument for ELV centers on P/E Ratio, Price/Book, Market Cap. PEG of 1.17 suggests the stock is reasonably priced for its growth.

Bull Case : MOH

The strongest argument for MOH centers on Profit Margin, Altman Z-Score, P/E Ratio. Profitability is solid with margins at 108.0% and operating margin at -150.0%. PEG of 1.38 suggests the stock is reasonably priced for its growth.

Bear Case : ELV

The primary concerns for ELV are Profit Margin, Operating Margin, Piotroski F-Score. Thin 2.8% margins leave little buffer for downturns.

Bear Case : MOH

The primary concerns for MOH are EPS Growth, Free Cash Flow, Operating Margin.

Key Dynamics to Monitor

ELV profiles as a value stock while MOH is a mature play — different risk/reward profiles.

MOH carries more volatility with a beta of 0.50 — expect wider price swings.

ELV is growing revenue faster at 9.5% — sustainability is the question.

ELV generates stronger free cash flow (-209M), providing more financial flexibility.

Bottom Line

ELV scores higher overall (67/100 vs 54/100). 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.

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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