Elevance Health Inc (ELV)vsBanco Santander SA ADR (SAN)
ELV
Elevance Health Inc
$415.53
-0.71%
HEALTHCARE · Cap: $87.28B
SAN
Banco Santander SA ADR
$12.47
+1.28%
FINANCIAL SERVICES · Cap: $188.69B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 323% more annual revenue ($200.42B vs $47.37B). SAN leads profitability with a 34.1% profit margin vs 2.6%. ELV appears more attractively valued with a PEG of 1.47. SAN earns a higher WallStSmart Score of 65/100 (C+).
ELV
Buy56
out of 100
Grade: C
SAN
Buy65
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+4.5%
Fair Value
$416.35
Current Price
$415.53
$0.82 discount
Intrinsic value data unavailable for SAN.
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
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.3%
Earnings expanding 67.4% YoY
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
2.6% revenue growth
2.6% margin — thin
Earnings declined 16.8%
4.6% revenue growth
Expensive relative to growth rate
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 : SAN
The strongest argument for SAN centers on Profit Margin, Operating Margin, EPS Growth. Profitability is solid with margins at 34.1% and operating margin at 43.3%.
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 : SAN
The primary concerns for SAN are Revenue Growth, PEG Ratio, Altman Z-Score. Debt-to-equity of 4.09 is elevated, increasing financial risk.
Key Dynamics to Monitor
SAN carries more volatility with a beta of 0.95 — expect wider price swings.
SAN is growing revenue faster at 4.6% — sustainability is the question.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SAN scores higher overall (65/100 vs 56/100), backed by strong 34.1% margins. 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.
Banco Santander SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Santander, SA, offers various commercial and retail banking products and services to individuals, small and medium-sized companies and large companies worldwide. The company is headquartered in Madrid, Spain.
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