Elevance Health Inc (ELV)vsBanco Santander SA ADR (SAN)
ELV
Elevance Health Inc
$374.71
+1.53%
HEALTHCARE · Cap: $80.93B
SAN
Banco Santander SA ADR
$12.40
+4.38%
FINANCIAL SERVICES · Cap: $173.81B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 323% more annual revenue ($200.42B vs $47.37B). SAN leads profitability with a 34.1% profit margin vs 2.6%. ELV appears more attractively valued with a PEG of 1.43. SAN earns a higher WallStSmart Score of 67/100 (B-).
ELV
Buy56
out of 100
Grade: C
SAN
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.5%
Fair Value
$1011.48
Current Price
$374.71
$636.77 discount
Intrinsic value data unavailable for SAN.
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
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
Reasonable price relative to book value
Areas to Watch
2.6% revenue growth
2.6% margin — thin
Weak financial health signals
Earnings declined 16.8%
4.6% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ELV
The strongest argument for ELV centers on Market Cap, P/E Ratio, Price/Book. PEG of 1.43 suggests the stock is reasonably priced for its growth.
Bull Case : SAN
The strongest argument for SAN centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 43.3%.
Bear Case : ELV
The primary concerns for ELV are Revenue Growth, Profit Margin, Piotroski F-Score. Thin 2.6% margins leave little buffer for downturns.
Bear Case : SAN
The primary concerns for SAN are Revenue Growth, PEG Ratio, Altman Z-Score. Debt-to-equity of 4.47 is elevated, increasing financial risk.
Key Dynamics to Monitor
SAN carries more volatility with a beta of 0.95 — expect wider price swings.
SAN is growing revenue faster at 4.6% — sustainability is the question.
Monitor HEALTHCARE PLANS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SAN scores higher overall (67/100 vs 56/100), backed by strong 34.1% margins. ELV offers better value entry with a 63.5% 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.
Elevance Health Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Elevance Health Inc. is a health benefits company. The company is headquartered in Indianapolis, Indiana.
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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