# Elevance Health, Inc. (ELV) — Stock CV

Elevance Health, Inc. is a $89.3B healthcare company. Revenue grew 6.3% over the last year, it keeps 2¢ of every dollar of sales as profit, and it holds more cash than debt. It trades at 18.0× earnings — around the middle of its own history.

> Elevance Health remains one of the leading health insurers in the US, providing medical benefits to 45 million medical members at the end of 2025. The company offers employer, individual, and government-sponsored coverage plans.

## Identity

- **Ticker**: ELV
- **Sector**: Healthcare
- **Industry**: Healthcare Plans
- **Headquarters**: INDIANAPOLIS, IN
- **Employees**: 97 100
- **Website**: https://www.elevancehealth.com
- **Market cap**: $89.3B
- **Last price**: $411.70
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $201B
- **Net income**: $4.96B
- **Free cash flow**: $6.29B
- **Net cash**: $4.43B
- **P/E**: 18.0
- **Revenue growth (YoY)**: 6.3%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 77 |
| Growth | 44 |
| Profitability | 35 |
| Health | 46 |
| Quality | 85 |
| Moat | 87 |

## Qualifications (beginner checklist) — 10 of 11 passed

- [x] Revenue growing — +6.3% YoY
- [x] Profitable — $4.96B TTM
- [x] Profit growing — +1.3% YoY
- [x] Generates cash — $6.29B TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $89.3B market cap
- [x] Not printing shares — -10.9% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — Altman Z 1.3 — distress
- [x] Pays a dividend — yield 1.68%
- [x] Valuation not extreme — P/E 18.0

## Experience (career milestones)

- **Q3 2026** — 3 open-market insider purchases: ~4K shares bought by insiders
- **FY2021** — Best year on record: $6.10B net income
- **FY2019** — Revenue crossed $100B: $104B for the year
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $50B: $84.9B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak

## Strengths

- Net cash position after subtracting debt from cash
- Interest covered 5.8× by operating earnings

## Watch-outs

- Altman Z-Score 1.33 — elevated financial-distress risk

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $139B | $6.10B | $7.28B |
| FY2022 | $157B | $6.03B | $7.25B |
| FY2023 | $171B | $5.99B | $6.76B |
| FY2024 | $177B | $5.98B | $4.55B |
| FY2025 | $199B | $5.66B | $3.17B |

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Source: https://stockcv.com/ELV — derived from company filings; may be delayed or incomplete. Information, not investment advice.