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Upturn AI Summary - About
CVS Health Corp(CVS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CVS
11/06/2026: CVS (2-star) is currently NOT-A-BUY. Pass it for now.
CVS Health is a large-scale, vertically integrated healthcare company operating across retail pharmacy, insurance, and primary care delivery. Its primary strength lies in its extensive physical footprint and ability to manage patient care across multiple touchpoints. The company's main growth narrative centers on integrating recently acquired primary care businesses like Oak Street Health to shift toward value-based care. However, investors face risks from rising medical costs, regulatory scrutiny of pharmacy benefit managers, and intense competition. The stock may be a strong fit for dividend-focused and value-oriented investors, while those seeking growth should monitor margins and the success of its health services integration.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | CVS is a mature business focusing on integration and operational efficiency rather than rapid top-line growth. |
| Momentum investor | Weak fit | The stock has faced recent headwinds, making it less attractive for momentum-based strategies until a clear upturn occurs. |
| Value investor | Strong fit | Current valuations often reflect significant discount due to sector-wide healthcare cost concerns, potentially offering value. |
| Dividend investor | Strong fit | CVS provides a reliable dividend yield supported by significant cash flow from its essential health services. |
| Low-risk investor | Mixed fit | While the business is essential, exposure to regulatory and insurance-related earnings volatility adds risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Healthcare policy shifts and insurance earnings reports can cause sharp stock price fluctuations. |
| Valuation risk | Low | The stock is currently priced to reflect significant operational challenges, potentially limiting downside risk. |
| Competition risk (Insurance and PBM) | Medium / high | Intense competition from UnitedHealth and Cigna puts pressure on margins in the PBM and insurance segments. |
| Business quality | Strong | The company operates essential infrastructure in the US healthcare system with massive scale. |
| Dividend income | Strong | History of consistent payouts suggests a reliable income stream for shareholders. |
| Execution risk | Medium / high | Successfully integrating recent primary care acquisitions like Oak Street Health is critical for future margins. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -5.28% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 107.28B USD | Price to earnings Ratio 9.74 | 1Y Target Price 115.48 |
Price to earnings Ratio 9.74 | 1Y Target Price 115.48 | ||
Volume (30-day avg) 10.2M shares | Beta 0.58 | 52 Weeks Range 67.99 - 109.22 | Updated Date 11/07/2026 |
52 Weeks Range 67.99 - 109.22 | Updated Date 11/07/2026 | ||
Dividends yield (FY) 3.27% | Basic EPS (TTM) 8.61 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Health Care Benefits | Aetna insurance premiums and plan administration. | This is a stable, recurring revenue stream from insurance premiums. |
| Pharmacy & Consumer Wellness | Retail pharmacy sales and over-the-counter health products. | This segment provides a physical retail presence and high consumer touch-points. |
| Health Services | Caremark PBM services and primary care clinics. | This is a high-volume business managing drug costs and direct patient care. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-04 | When Before Market | Estimate 1.62 | Actual 2.09 |
Profitability
Profit Margin 2.64% | Operating Margin (TTM) 2.72% |
Management Effectiveness
Return on Assets (TTM) 3.11% | Return on Equity (TTM) 14.36% |
Valuation
Trailing PE 9.74 | Forward PE 9.62 | Enterprise Value 167.69B | Price to Sales(TTM) 0.26 |
Enterprise Value 167.69B | Price to Sales(TTM) 0.26 | ||
Enterprise Value to Revenue 0.39 | Enterprise Value to EBITDA 8.35 | Shares Outstanding 1.28B | Shares Floating 1.28B |
Shares Outstanding 1.28B | Shares Floating 1.28B | ||
Percent Insiders 0.06 | Percent Institutions 90.97 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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