ELVELV
US • —
$386.73
P/E
16.45
PEG
—
FCF Yield
—
Rev Growth YoY
+9.4% YoY
Gross Margin
—
Health Score
5/10
D/E Ratio
0.73
Confidence
MEDIUM
Business Snapshot
Elevance Health (ELV) is a health benefits company primarily operating through its Anthem Blue Cross and Blue Shield health plans, serving members across employer-sponsored, individual, and government-sponsored insurance programs. The company operates in the highly regulated U.S. managed healthcare market, where it competes with other major national insurers and maintains a strong position as one of the largest Blue Cross licensees. Elevance is a large-cap company, and while specific revenue figures are unavailable in this data, its TTM net margin of 2.6% reflects the tight underwriting margins typical of the health insurance industry. A defining characteristic is its Blue Cross network affiliation, which provides a strong competitive moat in local markets.
Financial Health
Net margin stands at 2.6%, which is characteristic of the managed care industry but leaves little room for error in claims cost management. The balance sheet shows a Debt/Equity ratio of 0.73x, which is manageable and indicates the company uses a moderate amount of leverage...
Risk Assessment
- DEBT / LIQUIDITY — The current ratio of 0.19x is extremely low, signalling potential short-term liquidity pressure if claims payment cycles lengthen unexpectedly.
- EARNINGS QUALITY — Despite 3 out of 4 recent earnings beats, year-over-year net income has declined by -8.3%, highlighting a disconnect between top-line growth and bottom-line performance.
- TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed.
- VALUATION — The P/E of 16.45x is below the sector average of 22x, which may be a value trap if the earnings decline continues.
- FCF / CASH BURN — Free cash flow data is unavailable, making it impossible to assess the company's cash generation capability and capital allocation flexibility....
Net margin stands at 2.6%, which is characteristic of the managed care industry but leaves little room for error in claims cost management. The balance sheet shows a Debt/Equity ratio of 0.73x, which is manageable and indicates the company uses a moderate amount of leverage. However, the current ratio is a very low 0.19x, a common characteristic for health insurers due to the timing of premium collections and claims payments, but it points to tight short-term liquidity. Free cash flow data is not available in this payload, preventing a full assessment of cash generation. Overall, the company's financial health appears stable with a manageable long-term debt load, but the low current ratio and absence of cash flow data introduce significant uncertainty for assessing reinvestment capacity or dividend sustainability.
- DEBT / LIQUIDITY — The current ratio of 0.19x is extremely low, signalling potential short-term liquidity pressure if claims payment cycles lengthen unexpectedly. - EARNINGS QUALITY — Despite 3 out of 4 recent earnings beats, year-over-year net income has declined by -8.3%, highlighting a disconnect between top-line growth and bottom-line performance. - TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed. - VALUATION — The P/E of 16.45x is below the sector average of 22x, which may be a value trap if the earnings decline continues. - FCF / CASH BURN — Free cash flow data is unavailable, making it impossible to assess the company's cash generation capability and capital allocation flexibility.
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