WallStSmart

Centene Corp (CNC)vsNovartis AG ADR (NVS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Centene Corp generates 218% more annual revenue ($180.30B vs $56.69B). NVS leads profitability with a 22.5% profit margin vs -2.8%. CNC appears more attractively valued with a PEG of 0.81. CNC earns a higher WallStSmart Score of 56/100 (C).

CNC

Buy

56

out of 100

Grade: C

Growth: 6.7Profit: 3.0Value: 7.7Quality: 6.5
Piotroski: 6/9Altman Z: 2.83

NVS

Buy

51

out of 100

Grade: C-

Growth: 4.0Profit: 9.0Value: 3.3Quality: 4.5
Piotroski: 4/9Altman Z: 1.96
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNCUndervalued (+84.8%)

Margin of Safety

+84.8%

Fair Value

$265.86

Current Price

$66.42

$199.44 discount

UndervaluedFair: $265.86Overvalued
NVSSignificantly Overvalued (-47.0%)

Margin of Safety

-47.0%

Fair Value

$93.29

Current Price

$137.16

$43.87 premium

UndervaluedFair: $93.29Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNC3 strengths · Avg: 8.7/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

PEG RatioValuation
0.818/10

Growing faster than its price suggests

Free Cash FlowQuality
$4.20B8/10

Generating 4.2B in free cash flow

NVS5 strengths · Avg: 9.4/10
Market CapQuality
$260.70B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
30.7%10/10

Every $100 of equity generates 31 in profit

Operating MarginProfitability
34.6%10/10

Strong operational efficiency at 34.6%

Profit MarginProfitability
22.5%9/10

Keeps 23 of every $100 in revenue as profit

Free Cash FlowQuality
$5.57B8/10

Generating 5.6B in free cash flow

Areas to Watch

CNC4 concerns · Avg: 2.5/10
Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Operating MarginProfitability
3.8%3/10

Operating margin of 3.8%

Return on EquityProfitability
-22.6%2/10

ROE of -22.6% — below average capital efficiency

Profit MarginProfitability
-2.8%1/10

Currently unprofitable

NVS4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.8%4/10

0.8% revenue growth

Altman Z-ScoreHealth
1.964/10

Grey zone — moderate risk

Debt/EquityHealth
1.183/10

Elevated debt levels

PEG RatioValuation
3.222/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CNC

The strongest argument for CNC centers on Price/Book, PEG Ratio, Free Cash Flow. PEG of 0.81 suggests the stock is reasonably priced for its growth.

Bull Case : NVS

The strongest argument for NVS centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 22.5% and operating margin at 34.6%.

Bear Case : CNC

The primary concerns for CNC are Revenue Growth, Operating Margin, Return on Equity.

Bear Case : NVS

The primary concerns for NVS are Revenue Growth, Altman Z-Score, Debt/Equity.

Key Dynamics to Monitor

CNC profiles as a turnaround stock while NVS is a value play — different risk/reward profiles.

CNC carries more volatility with a beta of 1.11 — expect wider price swings.

CNC is growing revenue faster at 4.6% — sustainability is the question.

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

Bottom Line

CNC scores higher overall (56/100 vs 51/100). 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.

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.

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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