Elevance Health Inc (ELV)vsSAP SE ADR (SAP)
ELV
Elevance Health Inc
$415.53
-0.71%
HEALTHCARE · Cap: $87.28B
SAP
SAP SE ADR
$184.77
-1.27%
TECHNOLOGY · Cap: $192.92B
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 1.44. SAP earns a higher WallStSmart Score of 59/100 (C).
ELV
Buy56
out of 100
Grade: C
SAP
Buy59
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
Margin of Safety
-34.8%
Fair Value
$145.80
Current Price
$184.77
$38.97 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
Strong operational efficiency at 30.0%
Safe zone — low bankruptcy risk
Large-cap with strong market position
Generating 3.3B in free cash flow
Areas to Watch
2.6% revenue growth
2.6% margin — thin
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 1.47 suggests the stock is reasonably priced for its growth.
Bull Case : SAP
The strongest argument for SAP centers on Operating Margin, Altman Z-Score, Market Cap. Profitability is solid with margins at 19.6% and operating margin at 30.0%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
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 : 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 0.73 — 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 (59/100 vs 56/100), backed by strong 19.6% 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.
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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