WallStSmart

InnovAge Holding Corp (INNV)vsNovartis AG ADR (NVS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Novartis AG ADR generates 5873% more annual revenue ($56.69B vs $949.17M). NVS leads profitability with a 22.5% profit margin vs -1.2%. NVS earns a higher WallStSmart Score of 51/100 (C-).

INNV

Avoid

24

out of 100

Grade: F

Growth: 5.3Profit: 2.5Value: 4.0Quality: 6.0
Piotroski: 5/9Altman Z: 1.74

NVS

Buy

51

out of 100

Grade: C-

Growth: 4.0Profit: 9.0Value: 3.3Quality: 4.5
Piotroski: 4/9Altman Z: 1.96
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INNVSignificantly Overvalued (-24.5%)

Margin of Safety

-24.5%

Fair Value

$6.57

Current Price

$11.09

$4.52 premium

UndervaluedFair: $6.57Overvalued
NVSSignificantly Overvalued (-70.9%)

Margin of Safety

-70.9%

Fair Value

$92.73

Current Price

$153.27

$60.54 premium

UndervaluedFair: $92.73Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INNV1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
15.5%8/10

15.5% revenue growth

NVS5 strengths · Avg: 9.4/10
Market CapQuality
$290.96B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
30.7%10/10

Every $100 of equity generates 31 in profit

Operating MarginProfitability
31.8%10/10

Strong operational efficiency at 31.8%

Profit MarginProfitability
22.5%9/10

Keeps 23 of every $100 in revenue as profit

Free Cash FlowQuality
$5.57B8/10

Generating 5.6B in free cash flow

Areas to Watch

INNV4 concerns · Avg: 2.8/10
Altman Z-ScoreHealth
1.744/10

Distress zone — elevated risk

Market CapQuality
$1.57B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-9.7%2/10

ROE of -9.7% — below average capital efficiency

EPS GrowthGrowth
-87.8%2/10

Earnings declined 87.8%

NVS4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
0.8%4/10

0.8% revenue growth

Altman Z-ScoreHealth
1.964/10

Grey zone — moderate risk

Debt/EquityHealth
1.183/10

Elevated debt levels

PEG RatioValuation
4.152/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : INNV

The strongest argument for INNV centers on Revenue Growth. Revenue growth of 15.5% demonstrates continued momentum.

Bull Case : NVS

The strongest argument for NVS centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 22.5% and operating margin at 31.8%.

Bear Case : INNV

The primary concerns for INNV are Altman Z-Score, Market Cap, Return on Equity.

Bear Case : NVS

The primary concerns for NVS are Revenue Growth, Altman Z-Score, Debt/Equity.

Key Dynamics to Monitor

INNV profiles as a growth stock while NVS is a value play — different risk/reward profiles.

NVS carries more volatility with a beta of 0.49 — expect wider price swings.

INNV is growing revenue faster at 15.5% — sustainability is the question.

NVS generates stronger free cash flow (5.6B), providing more financial flexibility.

Bottom Line

NVS scores higher overall (51/100 vs 24/100), backed by strong 22.5% margins. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

InnovAge Holding Corp

HEALTHCARE · MEDICAL CARE FACILITIES · USA

InnovAge Holding Corp. The company is headquartered in Denver, Colorado.

Visit Website →

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.

Visit Website →

Want to dig deeper into these stocks?