WallStSmart

Hims Hers Health Inc (HIMS)vsEli Lilly and Company (LLY)vsNovartis AG ADR (NVS)

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Smart Verdict

WallStSmart Research — data-driven comparison

HIMS

Hold

50

out of 100

Grade: D+

Growth: 6.7Profit: 6.0Value: 4.7Quality: 4.5
Piotroski: 2/9Altman Z: 1.61

LLY

Exceptional Buy

80

out of 100

Grade: A-

Growth: 10.0Profit: 10.0Value: 9.3Quality: 8.0
Piotroski: 6/9Altman Z: 2.06

NVS

Buy

51

out of 100

Grade: C-

Growth: 4.0Profit: 9.0Value: 4.7Quality: 6.5
Piotroski: 4/9Altman Z: 1.96
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HIMSSignificantly Overvalued (-538.6%)

Margin of Safety

-538.6%

Fair Value

$3.47

Current Price

$21.34

$17.87 premium

UndervaluedFair: $3.47Overvalued
LLYUndervalued (+15.9%)

Margin of Safety

+15.9%

Fair Value

$1073.59

Current Price

$903.02

$170.57 discount

UndervaluedFair: $1073.59Overvalued
NVSSignificantly Overvalued (-243.7%)

Margin of Safety

-243.7%

Fair Value

$48.62

Current Price

$148.09

$99.47 premium

UndervaluedFair: $48.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HIMS2 strengths · Avg: 8.5/10
Return on EquityProfitability
25.2%9/10

Every $100 of equity generates 25 in profit

Revenue GrowthGrowth
28.4%8/10

Revenue surging 28.4% year-over-year

LLY6 strengths · Avg: 10.0/10
Market CapQuality
$814.96B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
101.2%10/10

Every $100 of equity generates 101 in profit

Profit MarginProfitability
31.7%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
44.9%10/10

Strong operational efficiency at 44.9%

Revenue GrowthGrowth
42.6%10/10

Revenue surging 42.6% year-over-year

EPS GrowthGrowth
51.4%10/10

Earnings expanding 51.4% YoY

NVS5 strengths · Avg: 9.0/10
Market CapQuality
$286.27B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
30.8%10/10

Every $100 of equity generates 31 in profit

Profit MarginProfitability
24.7%9/10

Keeps 25 of every $100 in revenue as profit

Operating MarginProfitability
27.8%8/10

Strong operational efficiency at 27.8%

Free Cash FlowQuality
$1.64B8/10

Generating 1.6B in free cash flow

Areas to Watch

HIMS4 concerns · Avg: 3.5/10
Price/BookValuation
9.0x4/10

Trading at 9.0x book value

Altman Z-ScoreHealth
1.614/10

Distress zone — elevated risk

Profit MarginProfitability
5.5%3/10

5.5% margin — thin

Operating MarginProfitability
2.7%3/10

Operating margin of 2.7%

LLY3 concerns · Avg: 3.0/10
P/E RatioValuation
39.7x4/10

Premium valuation, high expectations priced in

Debt/EquityHealth
1.603/10

Elevated debt levels

Price/BookValuation
30.4x2/10

Trading at 30.4x book value

NVS4 concerns · Avg: 3.0/10
Revenue GrowthGrowth
2.2%4/10

2.2% revenue growth

Altman Z-ScoreHealth
1.964/10

Grey zone — moderate risk

PEG RatioValuation
2.542/10

Expensive relative to growth rate

EPS GrowthGrowth
-11.6%2/10

Earnings declined 11.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : HIMS

The strongest argument for HIMS centers on Return on Equity, Revenue Growth. Revenue growth of 28.4% demonstrates continued momentum.

Bull Case : LLY

The strongest argument for LLY centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 31.7% and operating margin at 44.9%. Revenue growth of 42.6% demonstrates continued momentum.

Bull Case : NVS

The strongest argument for NVS centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 24.7% and operating margin at 27.8%.

Bear Case : HIMS

The primary concerns for HIMS are Price/Book, Altman Z-Score, Profit Margin. A P/E of 43.2x leaves little room for execution misses. Debt-to-equity of 2.34 is elevated, increasing financial risk.

Bear Case : LLY

The primary concerns for LLY are P/E Ratio, Debt/Equity, Price/Book. Debt-to-equity of 1.60 is elevated, increasing financial risk.

Bear Case : NVS

The primary concerns for NVS are Revenue Growth, Altman Z-Score, PEG Ratio.

Key Dynamics to Monitor

HIMS carries more volatility with a beta of 2.61 — expect wider price swings.

LLY is growing revenue faster at 42.6% — sustainability is the question.

LLY generates stronger free cash flow (678M), providing more financial flexibility.

Monitor DRUG MANUFACTURERS - SPECIALTY & GENERIC industry trends, competitive dynamics, and regulatory changes.

Bottom Line

LLY scores higher overall (80/100 vs 50/100), backed by strong 31.7% margins and 42.6% revenue growth. Both earn "Exceptional Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Hims Hers Health Inc

HEALTHCARE · DRUG MANUFACTURERS - SPECIALTY & GENERIC · USA

Hims & Hers Health, Inc. operates a multi-specialty telehealth platform that connects consumers with licensed healthcare professionals. The company is headquartered in San Francisco, California.

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Eli Lilly and Company

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Eli Lilly and Company is an American pharmaceutical company headquartered in Indianapolis, Indiana, with offices in 18 countries. Its products are sold in approximately 125 countries.

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Novartis AG ADR

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Novartis AG researches, develops, manufactures and markets medical devices worldwide. The company is headquartered in Basel, Switzerland.

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