(CVS) CVS Health - Ratings and Ratios
Insurance, PBM, Retail, Pharmacy, Wellness
CVS EPS (Earnings per Share)
CVS Revenue
Description: CVS CVS Health September 25, 2025
CVS Health Corp. (NYSE:CVS) delivers integrated health-care solutions across three core segments: Health Care Benefits, Health Services, and Pharmacy & Consumer Wellness. The Benefits arm provides a full suite of insurance products-including medical, pharmacy, dental, behavioral health, Medicare Advantage, Medicare Supplement, and Medicaid management-to a diverse client base ranging from large employers to government-sponsored plans.
The Health Services segment operates one of the nation’s largest pharmacy-benefit-management (PBM) platforms, handling plan design, formulary management, specialty and mail-order pharmacy, and disease-management services for employers, insurers, and public-sector sponsors. This PBM business underpins roughly 30% of the U.S. market share for prescription-benefit administration.
Pharmacy & Consumer Wellness runs CVS’s retail footprint of about 9,900 stores, its e-commerce pharmacy sites, long-term-care (LTC) and specialty pharmacies, and a growing compounding and infusion service network. In FY 2023 the segment generated roughly $176 billion in revenue, driven by higher demand for specialty drugs and over-the-counter health-and-beauty products.
Key economic drivers for CVS include the aging U.S. population, which expands Medicare and chronic-disease spending; inflationary pressure on drug pricing that fuels PBM cost-containment initiatives; and the ongoing shift toward integrated, digital health services that can boost cross-selling opportunities across its three segments.
For a deeper, data-driven assessment of CVS’s valuation relative to its peers, you may find ValueRay’s interactive dashboards useful.
CVS Stock Overview
| Market Cap in USD | 104,015m |
| Sub-Industry | Health Care Services |
| IPO / Inception | 1984-12-17 |
CVS Stock Ratings
| Growth Rating | 19.3% |
| Fundamental | 50.4% |
| Dividend Rating | 66.3% |
| Return 12m vs S&P 500 | 19.5% |
| Analyst Rating | 4.21 of 5 |
CVS Dividends
| Dividend Yield 12m | 3.47% |
| Yield on Cost 5y | 5.39% |
| Annual Growth 5y | 7.39% |
| Payout Consistency | 95.7% |
| Payout Ratio | 42.0% |
CVS Growth Ratios
| Growth Correlation 3m | 97.4% |
| Growth Correlation 12m | 82.7% |
| Growth Correlation 5y | -38.2% |
| CAGR 5y | -4.23% |
| CAGR/Max DD 3y (Calmar Ratio) | -0.08 |
| CAGR/Mean DD 3y (Pain Ratio) | -0.14 |
| Sharpe Ratio 12m | 1.58 |
| Alpha | 26.53 |
| Beta | 0.609 |
| Volatility | 29.74% |
| Current Volume | 14115.3k |
| Average Volume 20d | 6361.1k |
| Stop Loss | 74.3 (-3.1%) |
| Signal | -1.02 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (4.53b TTM) > 0 and > 6% of Revenue (6% = 23.20b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.24pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -4.79% (prev -3.15%; Δ -1.64pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 7.57b > Net Income 4.53b (YES >=105%, WARN >=100%) |
| Net Debt (70.94b) to EBITDA (13.01b) ratio: 5.45 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.80 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.27b) change vs 12m ago 0.87% (target <= -2.0% for YES) |
| Gross Margin 13.82% (prev 14.70%; Δ -0.88pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 151.4% (prev 143.9%; Δ 7.51pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.33 (EBITDA TTM 13.01b / Interest Expense TTM 3.06b) >= 6 (WARN >= 3) |
Altman Z'' 1.19
| (A) -0.07 = (Total Current Assets 75.65b - Total Current Liabilities 94.16b) / Total Assets 258.34b |
| (B) 0.25 = Retained Earnings (Balance) 63.94b / Total Assets 258.34b |
| (C) 0.03 = EBIT TTM 7.14b / Avg Total Assets 255.41b |
| (D) 0.63 = Book Value of Equity 114.23b / Total Liabilities 180.79b |
| Total Rating: 1.19 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 50.39
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 2.73% = 1.37 |
| 3. FCF Margin 1.24% = 0.31 |
| 4. Debt/Equity 1.07 = 1.96 |
| 5. Debt/Ebitda 5.45 = -2.50 |
| 6. ROIC - WACC (= -1.76)% = -2.20 |
| 7. RoE 5.95% = 0.50 |
| 8. Rev. Trend 92.94% = 6.97 |
| 9. EPS Trend -60.14% = -3.01 |
What is the price of CVS shares?
Over the past week, the price has changed by -5.40%, over one month by +2.31%, over three months by +24.10% and over the past year by +41.81%.
Is CVS Health a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CVS is around 84.29 USD . This means that CVS is currently overvalued and has a potential downside of 9.91%.
Is CVS a buy, sell or hold?
- Strong Buy: 13
- Buy: 8
- Hold: 7
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CVS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 85.5 | 11.5% |
| Analysts Target Price | 85.5 | 11.5% |
| ValueRay Target Price | 90.9 | 18.5% |
CVS Fundamental Data Overview October 25, 2025
P/E Trailing = 22.5822
P/E Forward = 10.7181
P/S = 0.2706
P/B = 1.2695
P/EG = 0.6419
Beta = 0.609
Revenue TTM = 386.64b USD
EBIT TTM = 7.14b USD
EBITDA TTM = 13.01b USD
Long Term Debt = 57.29b USD (from longTermDebt, last quarter)
Short Term Debt = 11.11b USD (from shortTermDebt, last quarter)
Debt = 82.72b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 70.94b USD (from netDebt column, last quarter)
Enterprise Value = 174.95b USD (104.02b + Debt 82.72b - CCE 11.79b)
Interest Coverage Ratio = 2.33 (Ebit TTM 7.14b / Interest Expense TTM 3.06b)
FCF Yield = 2.73% (FCF TTM 4.78b / Enterprise Value 174.95b)
FCF Margin = 1.24% (FCF TTM 4.78b / Revenue TTM 386.64b)
Net Margin = 1.17% (Net Income TTM 4.53b / Revenue TTM 386.64b)
Gross Margin = 13.82% ((Revenue TTM 386.64b - Cost of Revenue TTM 333.19b) / Revenue TTM)
Gross Margin QoQ = 13.74% (prev 15.22%)
Tobins Q-Ratio = 0.68 (Enterprise Value 174.95b / Total Assets 258.34b)
Interest Expense / Debt = 0.92% (Interest Expense 763.0m / Debt 82.72b)
Taxrate = 38.49% (634.0m / 1.65b)
NOPAT = 4.39b (EBIT 7.14b * (1 - 38.49%))
Current Ratio = 0.80 (Total Current Assets 75.65b / Total Current Liabilities 94.16b)
Debt / Equity = 1.07 (Debt 82.72b / totalStockholderEquity, last quarter 77.38b)
Debt / EBITDA = 5.45 (Net Debt 70.94b / EBITDA 13.01b)
Debt / FCF = 14.84 (Net Debt 70.94b / FCF TTM 4.78b)
Total Stockholder Equity = 76.20b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.75% (Net Income 4.53b / Total Assets 258.34b)
RoE = 5.95% (Net Income TTM 4.53b / Total Stockholder Equity 76.20b)
RoCE = 5.35% (EBIT 7.14b / Capital Employed (Equity 76.20b + L.T.Debt 57.29b))
RoIC = 3.09% (NOPAT 4.39b / Invested Capital 141.95b)
WACC = 4.85% (E(104.02b)/V(186.74b) * Re(8.26%) + D(82.72b)/V(186.74b) * Rd(0.92%) * (1-Tc(0.38)))
Discount Rate = 8.26% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.89%
[DCF Debug] Terminal Value 73.51% ; FCFE base≈4.98b ; Y1≈3.94b ; Y5≈2.62b
Fair Price DCF = 37.04 (DCF Value 46.98b / Shares Outstanding 1.27b; 5y FCF grow -24.86% → 3.0% )
EPS Correlation: -60.14 | EPS CAGR: -58.75% | SUE: -4.0 | # QB: 0
Revenue Correlation: 92.94 | Revenue CAGR: 7.46% | SUE: 0.45 | # QB: 0
Additional Sources for CVS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle