WallStSmart

Alignment Healthcare LLC (ALHC)vsCentene Corp (CNC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Centene Corp generates 4089% more annual revenue ($178.33B vs $4.26B). ALHC leads profitability with a 0.5% profit margin vs -3.6%. CNC earns a higher WallStSmart Score of 57/100 (C).

ALHC

Hold

48

out of 100

Grade: D+

Growth: 8.0Profit: 4.5Value: 4.3Quality: 6.0
Piotroski: 4/9Altman Z: 2.95

CNC

Buy

57

out of 100

Grade: C

Growth: 7.3Profit: 3.5Value: 7.0Quality: 6.5
Piotroski: 6/9Altman Z: 2.83
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ALHCUndervalued (+5.8%)

Margin of Safety

+5.8%

Fair Value

$21.64

Current Price

$15.37

$6.27 discount

UndervaluedFair: $21.64Overvalued
CNCUndervalued (+85.0%)

Margin of Safety

+85.0%

Fair Value

$269.76

Current Price

$62.33

$207.43 discount

UndervaluedFair: $269.76Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ALHC1 strengths · Avg: 10.0/10
Revenue GrowthGrowth
33.3%10/10

Revenue surging 33.3% year-over-year

CNC2 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$3.40B8/10

Generating 3.4B in free cash flow

Areas to Watch

ALHC4 concerns · Avg: 3.5/10
Price/BookValuation
15.4x4/10

Trading at 15.4x book value

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.5%3/10

0.5% margin — thin

Operating MarginProfitability
1.3%3/10

Operating margin of 1.3%

CNC2 concerns · Avg: 1.5/10
Return on EquityProfitability
-30.1%2/10

ROE of -30.1% — below average capital efficiency

Profit MarginProfitability
-3.6%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : ALHC

The strongest argument for ALHC centers on Revenue Growth. Revenue growth of 33.3% demonstrates continued momentum.

Bull Case : CNC

The strongest argument for CNC centers on Price/Book, Free Cash Flow. PEG of 1.25 suggests the stock is reasonably priced for its growth.

Bear Case : ALHC

The primary concerns for ALHC are Price/Book, EPS Growth, Profit Margin. A P/E of 197.5x leaves little room for execution misses. Debt-to-equity of 1.59 is elevated, increasing financial risk.

Bear Case : CNC

The primary concerns for CNC are Return on Equity, Profit Margin.

Key Dynamics to Monitor

ALHC profiles as a hypergrowth stock while CNC is a turnaround play — different risk/reward profiles.

ALHC carries more volatility with a beta of 1.15 — expect wider price swings.

ALHC is growing revenue faster at 33.3% — sustainability is the question.

CNC generates stronger free cash flow (3.4B), providing more financial flexibility.

Bottom Line

CNC scores higher overall (57/100 vs 48/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Alignment Healthcare LLC

HEALTHCARE · HEALTHCARE PLANS · USA

Alignment Healthcare, Inc. provides a consumer-centric platform that provides personalized healthcare to seniors in the United States. The company is headquartered in Orange, California.

Centene Corp

HEALTHCARE · HEALTHCARE PLANS · USA

Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.

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