WallStSmart

InnovAge Holding Corp (INNV)vsNovartis AG ADR (NVS)

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Smart Verdict

WallStSmart Research — data-driven comparison

Novartis AG ADR generates 5696% more annual revenue ($57.36B vs $989.71M). NVS leads profitability with a 17.5% profit margin vs -0.3%. NVS earns a higher WallStSmart Score of 48/100 (D+).

INNV

Avoid

26

out of 100

Grade: F

Growth: 6.0Profit: 3.5Value: 4.0Quality: 6.5
Piotroski: 4/9Altman Z: 2.48

NVS

Hold

48

out of 100

Grade: D+

Growth: 4.0Profit: 9.0Value: 2.7Quality: 4.5
Piotroski: 4/9Altman Z: 1.96
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INNVSignificantly Overvalued (-19.6%)

Margin of Safety

-19.6%

Fair Value

$6.84

Current Price

$8.85

$2.01 premium

UndervaluedFair: $6.84Overvalued
NVSSignificantly Overvalued (-68.3%)

Margin of Safety

-68.3%

Fair Value

$95.56

Current Price

$161.52

$65.96 premium

UndervaluedFair: $95.56Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INNV1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
18.3%8/10

18.3% revenue growth

NVS4 strengths · Avg: 9.5/10
Market CapQuality
$303.67B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
30.7%10/10

Every $100 of equity generates 31 in profit

Operating MarginProfitability
34.3%10/10

Strong operational efficiency at 34.3%

Free Cash FlowQuality
$5.57B8/10

Generating 5.6B in free cash flow

Areas to Watch

INNV4 concerns · Avg: 2.0/10
Market CapQuality
$1.30B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-9.7%2/10

ROE of -9.7% — below average capital efficiency

EPS GrowthGrowth
-87.8%2/10

Earnings declined 87.8%

Profit MarginProfitability
-0.3%1/10

Currently unprofitable

NVS4 concerns · Avg: 4.0/10
P/E RatioValuation
30.7x4/10

Premium valuation, high expectations priced in

Price/BookValuation
8.2x4/10

Trading at 8.2x book value

Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

Altman Z-ScoreHealth
1.964/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull Case : INNV

The strongest argument for INNV centers on Revenue Growth. Revenue growth of 18.3% demonstrates continued momentum.

Bull Case : NVS

The strongest argument for NVS centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 17.5% and operating margin at 34.3%.

Bear Case : INNV

The primary concerns for INNV are Market Cap, Return on Equity, EPS Growth.

Bear Case : NVS

The primary concerns for NVS are P/E Ratio, Price/Book, Revenue Growth.

Key Dynamics to Monitor

INNV profiles as a growth stock while NVS is a value play — different risk/reward profiles.

NVS carries more volatility with a beta of 0.47 — expect wider price swings.

INNV is growing revenue faster at 18.3% — sustainability is the question.

NVS generates stronger free cash flow (5.6B), providing more financial flexibility.

Bottom Line

NVS scores higher overall (48/100 vs 26/100), backed by strong 17.5% margins. Both earn "Hold" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

InnovAge Holding Corp

HEALTHCARE · MEDICAL CARE FACILITIES · USA

InnovAge Holding Corp. The company is headquartered in Denver, Colorado.

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Novartis AG ADR

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Novartis AG researches, develops, manufactures and markets medical devices worldwide. The company is headquartered in Basel, Switzerland.

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