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Upturn AI Summary - About
Elevance Health Inc(ELV)
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 ELV
10/26/2026: ELV (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Elevance Health is a major US-based managed healthcare company that offers insurance plans alongside a growing suite of health services through its Carelon segment. The company has a leading position in government-sponsored programs, which provides a steady foundation for its earnings. Its primary growth opportunity lies in leveraging Carelon to capture more of the healthcare value chain, aiming to improve margins and clinical outcomes. Key risks include intense competition, reliance on government policy, and medical cost volatility. The stock is often considered a strong fit for value and dividend-oriented investors looking for exposure to the healthcare sector with defensive characteristics.
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 | Elevance offers steady, defensive growth rather than the high-growth profile typical of aggressive growth strategies. |
| Momentum investor | Mixed fit | Momentum appeal is contingent on positive market sentiment regarding medical cost trends and regulatory stability. |
| Value investor | Strong fit | The company often trades at reasonable valuation multiples compared to its consistent earnings generation. |
| Dividend investor | Strong fit | Elevance provides reliable, growing dividend income suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | As a major player in a regulated industry, the company typically exhibits lower volatility than cyclical sectors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Health insurers can be sensitive to news regarding government policy changes. |
| Valuation risk | Low | The stock is generally reasonably priced relative to its cash flow, mitigating extreme valuation downside. |
| Competition risk (managed healthcare) | Medium / high | The company competes in a tight oligopoly with well-capitalized peers. |
| Business quality | Strong | The company possesses a massive scale and a recognized brand, which are significant competitive moats. |
| Dividend income | Medium | While consistent, yields are not as high as mature utility or consumer staple stocks. |
| Execution risk | Medium | Successfully integrating Carelon services into the insurance business is critical for long-term margin expansion. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -1.87% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/26/2026 |
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 95.41B USD | Price to earnings Ratio 18.68 | 1Y Target Price 481.48 |
Price to earnings Ratio 18.68 | 1Y Target Price 481.48 | ||
Volume (30-day avg) 1.3M shares | Beta 0.71 | 52 Weeks Range 270.87 - 450.69 | Updated Date 10/25/2026 |
52 Weeks Range 270.87 - 450.69 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 1.54% | Basic EPS (TTM) 23.55 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Health Benefits | Commercial, Medicare, and Medicaid insurance premiums. | The primary way the company collects money by insuring individuals and groups. |
| Carelon | Pharmacy services, behavioral health, and clinical services. | A growing segment that provides health services to generate revenue beyond standard insurance premiums. |
| Geography (USA) | Operations spanning all 50 US states. | The business is entirely focused on the US healthcare market, meaning it is tied to US policy and demographics. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-21 | When Before Market | Estimate 4.66 | Actual 6.99 |
Profitability
Profit Margin 2.55% | Operating Margin (TTM) 4.22% |
Management Effectiveness
Return on Assets (TTM) 4.01% | Return on Equity (TTM) 11.48% |
Valuation
Trailing PE 18.68 | Forward PE 14.16 | Enterprise Value 110.28B | Price to Sales(TTM) 0.47 |
Enterprise Value 110.28B | Price to Sales(TTM) 0.47 | ||
Enterprise Value to Revenue 0.55 | Enterprise Value to EBITDA - | Shares Outstanding 216.87M | Shares Floating 215.57M |
Shares Outstanding 216.87M | Shares Floating 215.57M | ||
Percent Insiders 0.19 | Percent Institutions 94.46 |
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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