CVS Health Corp (CVS)vsSumitomo Mitsui Financial Group Inc (SMFG)
CVS
CVS Health Corp
$95.93
+1.17%
HEALTHCARE · Cap: $128.46B
SMFG
Sumitomo Mitsui Financial Group Inc
$23.16
-1.78%
FINANCIAL SERVICES · Cap: $151.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Sumitomo Mitsui Financial Group Inc generates 1394% more annual revenue ($6.06T vs $405.62B). SMFG leads profitability with a 26.1% profit margin vs 0.7%. CVS appears more attractively valued with a PEG of 0.28. SMFG earns a higher WallStSmart Score of 70/100 (B-).
CVS
Buy65
out of 100
Grade: C+
SMFG
Strong Buy70
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+45.3%
Fair Value
$140.72
Current Price
$95.93
$44.79 discount
Intrinsic value data unavailable for SMFG.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 63.1% YoY
Large-cap with strong market position
Reasonable price relative to book value
Generating 3.4B in free cash flow
Generating 7.3T in free cash flow
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 26.9%
Areas to Watch
ROE of 3.8% — below average capital efficiency
0.7% margin — thin
Operating margin of 4.1%
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CVS
The strongest argument for CVS centers on PEG Ratio, EPS Growth, Market Cap. PEG of 0.28 suggests the stock is reasonably priced for its growth.
Bull Case : SMFG
The strongest argument for SMFG centers on Free Cash Flow, Market Cap, Profit Margin. Profitability is solid with margins at 26.1% and operating margin at 26.9%. Revenue growth of 21.8% demonstrates continued momentum.
Bear Case : CVS
The primary concerns for CVS are Return on Equity, Profit Margin, Operating Margin. A P/E of 44.2x leaves little room for execution misses. Thin 0.7% margins leave little buffer for downturns.
Bear Case : SMFG
The primary concerns for SMFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.70 is elevated, increasing financial risk.
Key Dynamics to Monitor
CVS profiles as a value stock while SMFG is a growth play — different risk/reward profiles.
CVS carries more volatility with a beta of 0.62 — expect wider price swings.
SMFG is growing revenue faster at 21.8% — sustainability is the question.
SMFG generates stronger free cash flow (7.3T), providing more financial flexibility.
Bottom Line
SMFG scores higher overall (70/100 vs 65/100), backed by strong 26.1% margins and 21.8% revenue growth. CVS offers better value entry with a 45.3% margin of safety. Both earn "Strong 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.
CVS Health Corp
HEALTHCARE · HEALTHCARE PLANS · USA
CVS Health (previously CVS Corporation and CVS Caremark Corporation) is an American healthcare company that owns CVS Pharmacy, a retail pharmacy chain; CVS Caremark, a pharmacy benefits manager; Aetna, a health insurance provider, among many other brands. The company's headquarters is in Woonsocket, Rhode Island.
Visit Website →Sumitomo Mitsui Financial Group Inc
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Sumitomo Mitsui Financial Group, Inc. provides commercial banking, finance leasing, securities, consumer finance, and other services primarily in Japan. The company is headquartered in Tokyo, Japan.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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