Elevance Health Inc (ELV)vsPayPal Holdings Inc (PYPL)
ELV
Elevance Health Inc
$415.53
-0.71%
HEALTHCARE · Cap: $87.28B
PYPL
PayPal Holdings Inc
$41.29
+1.02%
FINANCIAL SERVICES · Cap: $36.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 494% more annual revenue ($200.42B vs $33.73B). PYPL leads profitability with a 15.0% profit margin vs 2.6%. PYPL appears more attractively valued with a PEG of 0.75. PYPL earns a higher WallStSmart Score of 72/100 (B).
ELV
Buy56
out of 100
Grade: C
PYPL
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+4.5%
Fair Value
$416.35
Current Price
$415.53
$0.82 discount
Intrinsic value data unavailable for PYPL.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 4.1B in free cash flow
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
2.6% revenue growth
2.6% margin — thin
Earnings declined 16.8%
Distress zone — elevated risk
Earnings declined 6.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : ELV
The strongest argument for ELV centers on Market Cap, P/E Ratio, Price/Book. PEG of 1.47 suggests the stock is reasonably priced for its growth.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : ELV
The primary concerns for ELV are Revenue Growth, Profit Margin, EPS Growth. Thin 2.6% margins leave little buffer for downturns.
Bear Case : PYPL
The primary concerns for PYPL are Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
PYPL carries more volatility with a beta of 1.34 — expect wider price swings.
PYPL is growing revenue faster at 7.2% — sustainability is the question.
ELV generates stronger free cash flow (4.1B), providing more financial flexibility.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PYPL scores higher overall (72/100 vs 56/100). 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.
Elevance Health Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Elevance Health Inc. is a health benefits company. The company is headquartered in Indianapolis, Indiana.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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