Centene Corp (CNC)vsToronto Dominion Bank (TD)
CNC
Centene Corp
$62.33
-0.59%
HEALTHCARE · Cap: $32.19B
TD
Toronto Dominion Bank
$113.16
-0.52%
FINANCIAL SERVICES · Cap: $193.85B
Smart Verdict
WallStSmart Research — data-driven comparison
Centene Corp generates 201% more annual revenue ($178.33B vs $59.18B). TD leads profitability with a 25.2% profit margin vs -3.6%. TD appears more attractively valued with a PEG of 1.01. TD earns a higher WallStSmart Score of 61/100 (C+).
CNC
Buy57
out of 100
Grade: C
TD
Buy61
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 TD.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 3.4B in free cash flow
Strong operational efficiency at 35.4%
Generating 10.2B in free cash flow
Large-cap with strong market position
Keeps 25 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
ROE of -30.1% — below average capital efficiency
Currently unprofitable
Revenue declined 31.5%
Earnings declined 61.2%
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 : TD
The strongest argument for TD centers on Operating Margin, Free Cash Flow, Market Cap. Profitability is solid with margins at 25.2% and operating margin at 35.4%. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bear Case : CNC
The primary concerns for CNC are Return on Equity, Profit Margin.
Bear Case : TD
The primary concerns for TD are Revenue Growth, EPS Growth, Altman Z-Score. Debt-to-equity of 2.22 is elevated, increasing financial risk.
Key Dynamics to Monitor
CNC profiles as a turnaround stock while TD is a declining 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.
TD generates stronger free cash flow (10.2B), providing more financial flexibility.
Bottom Line
TD scores higher overall (61/100 vs 57/100), backed by strong 25.2% 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.
Toronto Dominion Bank
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Toronto-Dominion Bank offers a variety of personal and commercial banking products and services in Canada and the United States. The company is headquartered in Toronto, Canada.
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