Elevance Health Inc (ELV)vsThe Travelers Companies Inc (TRV)
ELV
Elevance Health Inc
$374.71
+1.53%
HEALTHCARE · Cap: $80.93B
TRV
The Travelers Companies Inc
$301.59
+0.08%
FINANCIAL SERVICES · Cap: $64.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 309% more annual revenue ($200.42B vs $48.94B). TRV leads profitability with a 15.5% profit margin vs 2.6%. ELV appears more attractively valued with a PEG of 1.43. TRV earns a higher WallStSmart Score of 72/100 (B).
ELV
Buy56
out of 100
Grade: C
TRV
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.5%
Fair Value
$1011.48
Current Price
$374.71
$636.77 discount
Intrinsic value data unavailable for TRV.
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
Attractively priced relative to earnings
Earnings expanding 357.6% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
2.6% revenue growth
2.6% margin — thin
Weak financial health signals
Earnings declined 16.8%
Expensive relative to growth rate
1.0% revenue growth
Distress zone — elevated risk
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 : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 15.5% and operating margin at 18.7%.
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 : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
ELV carries more volatility with a beta of 0.67 — expect wider price swings.
ELV is growing revenue faster at 2.6% — sustainability is the question.
ELV generates stronger free cash flow (4.1B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (72/100 vs 56/100), backed by strong 15.5% margins. ELV offers better value entry with a 63.5% margin of safety. 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.
The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
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