Elevance Health Inc (ELV)vsSAP SE ADR (SAP)
ELV
Elevance Health Inc
$374.71
+1.53%
HEALTHCARE · Cap: $80.93B
SAP
SAP SE ADR
$173.44
-1.04%
TECHNOLOGY · Cap: $206.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 437% more annual revenue ($200.42B vs $37.34B). SAP leads profitability with a 19.6% profit margin vs 2.6%. SAP appears more attractively valued with a PEG of 0.74. SAP earns a higher WallStSmart Score of 62/100 (C+).
ELV
Buy56
out of 100
Grade: C
SAP
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.5%
Fair Value
$1011.48
Current Price
$374.71
$636.77 discount
Margin of Safety
-16.9%
Fair Value
$167.99
Current Price
$173.44
$5.45 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
Mega-cap, among the largest globally
Strong operational efficiency at 30.0%
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Growing faster than its price suggests
Generating 3.3B in free cash flow
Areas to Watch
2.6% revenue growth
2.6% margin — thin
Weak financial health signals
Earnings declined 16.8%
No major concerns identified
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 : SAP
The strongest argument for SAP centers on Market Cap, Operating Margin, Altman Z-Score. Profitability is solid with margins at 19.6% and operating margin at 30.0%. PEG of 0.74 suggests the stock is reasonably priced for its growth.
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 : SAP
No major red flags identified for SAP, but monitor valuation.
Key Dynamics to Monitor
ELV profiles as a value stock while SAP is a mature play — different risk/reward profiles.
SAP carries more volatility with a beta of 0.76 — expect wider price swings.
SAP is growing revenue faster at 6.0% — sustainability is the question.
ELV generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
SAP scores higher overall (62/100 vs 56/100), backed by strong 19.6% margins. ELV offers better value entry with a 63.5% margin of safety. 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.
SAP SE ADR
TECHNOLOGY · SOFTWARE - APPLICATION · USA
SAP SE is a global enterprise application software company. The company is headquartered in Walldorf, Germany.
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