Stock Analysis
CVS HEALTH CORPORATIONCVS
P/E 24.16×· 5Y range 9.28–227.29×· 65th percentile of history
Sector: Healthcare · Industry: Healthcare Plans
AnalystsStrong Buy33 analystsP/E 24.2× sits at the 65th percentile of its 5.086926762491444-year history.
Cash covers 18% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Quality97
Risks
- Profitability21
- Growth37
Mixed picture — no clear quality or value edge.
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
What's happening with CVS
Profile
Strong earnings quality and valuation; profitability, growth, financial health and moat lag behind.
How is each axis scored?
- Valuation75/100 · Strong
- P/E vs own history (65th pct)5/25
- FCF yield (10.0%)25/25
- P/S (0.3x)25/25
- EV/EBIT (13.2x)20/25
- Growth37/100 · Weak
- Revenue CAGR (8.3%)12/25
- Net income CAGR (-31.2%)0/25
- EPS CAGR 5Y (-30.5%)0/25
- Fwd implied growth (132.9%)25/25
- Profitability21/100 · Weak
- ROIC (7.6%)5/25
- ROE (6.1%)5/25
- Net margin (1.2%)6/25
- Operating margin (3.3%)5/25
- Financial Health38/100 · Weak
- Altman Z (1.65)10/25
- Current ratio (0.87)6/25
- Interest coverage (3.2x)10/25
- Net cash / debt (D/A 25%)12/25
- Quality97/100 · Strong
- Piotroski F (7/9)22/25
- Beneish M (-2.57)25/25
- FCF conversion (240%)25/25
- Margin stability (σ 1.3%)25/25
- Moat43/100 · Weak
- ROIC >12% years (2/10 yrs)0/25
- Median gross margin (39.0%)13/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst -0.3%)5/25
Risk Flags
- ⚠Altman Z 1.7 — distress-zone balance sheet
About CVS HEALTH CORPORATION
CVS Health offers a diverse set of healthcare services. Show more
Its roots are in its retail pharmacy operations, where it operates around 9,000 stores primarily in the US. CVS is also a large pharmacy benefit manager (acquired through Caremark), processing about 2 billion adjusted claims annually. It operates a top-tier health insurer (acquired through Aetna) through which it serves about 26 million medical members. The acquisition of Oak Street Health added primary care services to the mix, which could have significant synergies with all existing business lines.
Headquarters: WOONSOCKET, RI · Employees: 300,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
75B+P/E (TTM)24.2xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 9.3x–227.3x · 65th pct
P/FCF9.9xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield10.0%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 1.9%–21.0% · 45th pct
P/S (TTM)0.28xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.1x–0.5x · 58th pct
EV/EBIT13.2xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 9.2x–31.8x · 38th pct
EV/Sales0.4xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.48xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.96B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.92%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio29.0%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
21EROIC7.6%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE6.1%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA1.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin1.2%D
Grade D: LowNet Income / Revenue
Operating Margin3.3%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin44.5%C
Grade C: AverageGross Profit / Revenue
FCF Margin2.8%D
Grade D: LowFCF / Revenue
True FCF Margin2.7%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
37DRevenue CAGR8.3%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-31.2%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-30.5%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth132.9%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-3.5%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income14.6%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.2%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
38DAltman Z-Score1.65D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.87xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.66xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage3.2xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment5.3yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT4.6xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity0.96xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.18xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
97A+Piotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.57A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion240.4%A
Grade A: StrongFCF / Net Income
Margin Stability1.3%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue0.7%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover1.63xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 records| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Newman Brian Filed | Newman Brian | Tax withholding | -2478 | |
Compton-Phillips Amy Filed | Compton-Phillips Amy | Tax withholding | -7618 | |
AGUIRRE FERNANDO Filed | AGUIRRE FERNANDO | SellDisposition | -1563 | |
ROBBINS LARRY Filed | ROBBINS LARRY | SellOpen market sale | -378000 | |
ROBBINS LARRY Filed | ROBBINS LARRY | SellOpen market sale | -370462 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
AGUIRRE FERNANDO Filed | AGUIRRE FERNANDO | SellDisposition | -30437 | |
ROBBINS LARRY Filed | ROBBINS LARRY | SellOpen market sale | -800 | |
ROBBINS LARRY Filed | ROBBINS LARRY | SellOpen market sale | -66881 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
43D+ROIC >12% Years2/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)39.0%C
Grade C: ModerateMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-0.3%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$3.82
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$10.92
Cash & short-term investments per share (Finnhub)
Book Value / Share$62.36
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$76.31B
Total debt obligations (short + long term)
Cash & Equiv.$13.96B
Cash and short-term investments
Net Debt$62.35B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$79.90B
Shareholders' equity (book value)
Asset / Liability1.46xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$118.14B
Current Market Capitalization
Beta0.59B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: CVS HEALTH CORPORATION (CVS)
CVS HEALTH CORPORATION meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 1.65 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.57 suggests a low likelihood of earnings manipulation. Takes ~5.3 years to repay net debt from free cash flow.
- CVS HEALTH CORPORATION posted a net loss in 1 of 10 available completed fiscal years (2016–2025).
- At a valuation score of 75/100, CVS trades near the cheapest end of its own historical range (P/E 24.2).
- The stock currently yields 2.9% in dividends.
See how CVS ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all CVS moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 14 | Regular | 90.68 | +3.57% | 2.28 |
| Oct 14 | After-hours | 90.48 | +3.35% | 2.15 |
| Sep 25 | Regular | 89.11 | +4.77% | 3.77 |
| Sep 25 | After-hours | 89.24 | +4.93% | 3.88 |
Frequently Asked Questions about CVS
What is the current CVS HEALTH CORPORATION (CVS) stock price?
CVS is trading at $92.36 at the last market close, down 0.24% on the session. PreMarketPrice tracks CVS pre-market, intraday and after-hours prices.
Is CVS stock a buy right now?
PreMarketPrice's quantitative model rates CVS HEALTH CORPORATION's financial health at 38/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is CVS stock overvalued?
CVS HEALTH CORPORATION trades at a trailing P/E of 24.2 and our valuation score rates it 75/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does CVS HEALTH CORPORATION report earnings?
No confirmed earnings date is currently scheduled for CVS. The Earnings section lists recent reports and updates as dates are announced.
What sector does CVS HEALTH CORPORATION operate in?
CVS HEALTH CORPORATION operates in the Healthcare sector, within the Healthcare Plans industry. The Related Stocks section lists sector peers for comparison.
What does CVS HEALTH CORPORATION do?
CVS Health offers a diverse set of healthcare services.
About CVS HEALTH CORPORATION (CVS) Stock
CVS HEALTH CORPORATION (CVS) is a US-listed stock operating in the Healthcare sector, specifically the Healthcare Plans industry. As of the latest update, CVS HEALTH CORPORATION is trading at $92.36, down 0.24% on the day with a market capitalization of $118.1 billion. The financial health score for CVS is 38/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for CVS stock.
CVS Stock Analysis & Key Metrics
On PreMarketPrice, you can track CVS HEALTH CORPORATION (CVS) across multiple dimensions:
- Pre-market price & movement: Real-time CVS stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for CVS with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for CVS HEALTH CORPORATION across multiple reporting periods.
- Financial health score: A composite score of 38/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for CVS.
- Sector peers: Compare CVS against 6 other healthcare stocks on key financial metrics.
Is CVS a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate CVS HEALTH CORPORATION (CVS) as an investment. The financial health score of 38/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.CVS HEALTH CORPORATION (CVS) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.