Elevance Health Inc (ELV)vsRoyal Caribbean Cruises Ltd (RCL)
ELV
Elevance Health Inc
$415.53
-0.71%
HEALTHCARE · Cap: $87.28B
RCL
Royal Caribbean Cruises Ltd
$280.00
-4.53%
CONSUMER CYCLICAL · Cap: $83.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 990% more annual revenue ($200.42B vs $18.39B). RCL leads profitability with a 24.4% profit margin vs 2.6%. ELV appears more attractively valued with a PEG of 1.47. RCL earns a higher WallStSmart Score of 72/100 (B).
ELV
Buy56
out of 100
Grade: C
RCL
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+4.5%
Fair Value
$416.35
Current Price
$415.53
$0.82 discount
Margin of Safety
-67.2%
Fair Value
$199.66
Current Price
$280.00
$80.34 premium
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
Every $100 of equity generates 46 in profit
Large-cap with strong market position
Keeps 24 of every $100 in revenue as profit
Strong operational efficiency at 26.2%
Earnings expanding 28.9% YoY
Generating 1.3B in free cash flow
Areas to Watch
2.6% revenue growth
2.6% margin — thin
Earnings declined 16.8%
Distress zone — elevated risk
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 1.47 suggests the stock is reasonably priced for its growth.
Bull Case : RCL
The strongest argument for RCL centers on Return on Equity, Market Cap, Profit Margin. Profitability is solid with margins at 24.4% and operating margin at 26.2%. Revenue growth of 11.3% demonstrates continued momentum.
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 : RCL
The primary concerns for RCL are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.22 is elevated, increasing financial risk.
Key Dynamics to Monitor
ELV profiles as a value stock while RCL is a mature play — different risk/reward profiles.
RCL carries more volatility with a beta of 1.78 — expect wider price swings.
RCL is growing revenue faster at 11.3% — sustainability is the question.
ELV generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
RCL scores higher overall (72/100 vs 56/100), backed by strong 24.4% margins and 11.3% revenue growth. 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.
Royal Caribbean Cruises Ltd
CONSUMER CYCLICAL · TRAVEL SERVICES · USA
Royal Caribbean Group, formerly known as Royal Caribbean Cruises Ltd., is an American global cruise holding company incorporated in Liberia and based in Miami, Florida, US.
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