CVS Health Corp. (0HRS) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of CVS Health Corp. $75.57, price $86.04, upside -12.2%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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CVS Health Corp.
0HRS · LSEOvervalued / MonitorQuality is not strong enough to offset the price risk.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $41.83 – $109.74 · fair‑value band $52.54 – $123.29 · the $86.04 price screens above the $75.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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Company profile
CVS Health Corporation provides health solutions in the United States. The company operates through Health Care Benefits, Health Services, and Pharmacy & Consumer Wellness segments.
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CVS Health Corporation provides health solutions in the United States. The company operates through Health Care Benefits, Health Services, and Pharmacy & Consumer Wellness segments. The Health Care Benefits segment offers traditional, voluntary, and consumer-directed health insurance products and related services, including medical, pharmacy, dental and behavioral health plans, medical management capabilities, Medicare Advantage and Medicare Supplement plans, PDPS and Medicaid health care management services. It serves employer groups, individuals, college students, part-time and hourly workers, health plans, health care providers, governmental units, government-sponsored plans, labor groups, and expatriates. The Health Services segment offers pharmacy benefit management solutions, including plan design and administration, formulary management, retail pharmacy network management, specialty and mail order pharmacy, clinical, disease management, medical spend management services, pharmacy and other administrative services. It serves employers, insurance companies, unions, government employee groups, health plans, PDPS, Medicaid managed care plans, CMS, plans offered on public health insurance, and other sponsors of health benefit plans. The Pharmacy & Consumer Wellness segment sells prescription and over-the-counter drugs, consumer health and beauty products, personal care products, and other general merchandise products. This segment also distributes prescription drugs; and provides related pharmacy consulting and other ancillary services to care facilities and other care settings. It operates online retail pharmacy websites, retail specialty pharmacy stores, compounding pharmacies and branches for infusion and enteral nutrition services. The company was formerly known as CVS Caremark Corporation and changed its name to CVS Health Corporation in September 2014. CVS Health Corporation was founded in 1963 and is headquartered in Woonsocket, Rhode Island.
Stock analysis
CVS Health Corp. (0HRS) currently trades at $86.04, while our model-based Fair Value estimate is $75.57, 12.2% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $147.73 per share, and 10 of the 26 models we run sit above the $86.04 price.
Bear case: the Earnings-Based group reads lowest at $19.78, and 16 of the 26 models stay below the price. Evidence for this calculation is medium.
Scenario range: $52.54 (bear) to $123.29 (bull), the price of $86.04 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Healthcare sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
CVS Health Corp. reported revenue of $402B in FY2025 versus $292B in FY2021, a compound +8.3%/yr. Reported net income was $1.8B in FY2025, compounding −31.2%/yr from FY2021.
Key figures
Market cap $109B · P/E ratio 0.2 · EPS (TTM) $6.01 · Dividend yield 3.1% · Net margin 0.4% · Return on equity 3.8% · Return on assets (EBIT) 5.6% · Operating margin 4.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and 23% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Healthcare peers we cover trades at 16% fair-value upside, at −12%, 0HRS screens richer than that median.
Fair Value models
All 26 models by family
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Set up alert →Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 56
Revenue & earnings trend
Growth Forecast
0HRS screens overvalued: fair value 12% below the price. Compare with UnitedHealth Group →
Compare CVS Health Corp. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Healthcare Plans” was too small, so the broader sector is used.)Health Care · 2455 stocks
Valuation Multiplesvs Health Care median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Health Care sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: UK Stocks
- Valuation of the UK market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Healthcare Plans stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| UnitedHealth Group UNH | $367.08 | $295.49 | −20% |
| Elevance Health, Inc ELV | $388.82 | $465.08 | +20% |
| The Cigna Group CI | $271.83 | $495.96 | +82% |
| Humana Inc HUM | $379.68 | $146.91 | −61% |
| Molina Healthcare, Inc MOH | $189.10 | $219.06 | +16% |
| Oscar Health, Inc OSCR | $29.60 | $59.20 | +100% |
| Progyny, Inc PGNY | $25.19 | $35.44 | +41% |
| Alignment Healthcare, Inc ALHC | $8.21 | $7.45 | −9% |
| Medi Assist Healthcare Services Limited MEDIASSIST | ₹298.50 | ₹226.12 | −24% |
| Healthconn Corp 6665 | 17.10 TWD | 13.18 TWD | −23% |
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