Centene Corp (CNC)vsBanco Santander SA ADR (SAN)
CNC
Centene Corp
$62.33
-0.59%
HEALTHCARE · Cap: $32.19B
SAN
Banco Santander SA ADR
$12.47
+1.28%
FINANCIAL SERVICES · Cap: $188.69B
Smart Verdict
WallStSmart Research — data-driven comparison
Centene Corp generates 276% more annual revenue ($178.33B vs $47.37B). SAN leads profitability with a 34.1% profit margin vs -3.6%. CNC appears more attractively valued with a PEG of 1.25. SAN earns a higher WallStSmart Score of 65/100 (C+).
CNC
Buy57
out of 100
Grade: C
SAN
Buy65
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+85.0%
Fair Value
$268.78
Current Price
$62.33
$206.45 discount
Intrinsic value data unavailable for SAN.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 3.4B in free cash flow
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.3%
Earnings expanding 67.4% YoY
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
ROE of -30.1% — below average capital efficiency
Currently unprofitable
4.6% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : SAN
The strongest argument for SAN centers on Profit Margin, Operating Margin, EPS Growth. Profitability is solid with margins at 34.1% and operating margin at 43.3%.
Bear Case : CNC
The primary concerns for CNC are Return on Equity, Profit Margin.
Bear Case : SAN
The primary concerns for SAN are Revenue Growth, PEG Ratio, Altman Z-Score. Debt-to-equity of 4.09 is elevated, increasing financial risk.
Key Dynamics to Monitor
CNC profiles as a turnaround stock while SAN is a value play — different risk/reward profiles.
CNC carries more volatility with a beta of 1.09 — expect wider price swings.
CNC is growing revenue faster at 5.1% — sustainability is the question.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SAN scores higher overall (65/100 vs 57/100), backed by strong 34.1% margins. CNC offers better value entry with a 85.0% margin of safety. 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.
Banco Santander SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Santander, SA, offers various commercial and retail banking products and services to individuals, small and medium-sized companies and large companies worldwide. The company is headquartered in Madrid, Spain.
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