CVS Health (CVS) stock: Winston Score and insider trades

§Winston Score History

CVS Health is one of the largest healthcare companies in the United States. It runs thousands of retail pharmacies where people pick up prescriptions and buy everyday health products. It also owns Aetna, a major health insurance company, and operates MinuteClinic locations inside its stores where patients can see a nurse for basic medical care.

CVS makes money in three main ways: selling insurance plans through Aetna, filling prescriptions and selling products in its roughly 9,000 retail pharmacies, and running a pharmacy benefits management business called Caremark, which helps employers and insurers manage drug costs. The company operates almost entirely in the United States and generates over $350 billion in annual revenue, making it one of the largest companies in the country by sales. Its main challenge right now is thin profit margins — the numbers above show the business keeps very little of each dollar it earns — and rising medical costs in its insurance segment have pressured earnings in recent years.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+7.3% YoY

YoY Growth Rate

Slow revenue growth

Reported EPS Growth

+187.7% YoY

Quarterly reporting periods ended:

30 Jun 2025: $0.81

30 Jun 2026: $2.33

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (18%)

Research and development spending

Insider Activity

0.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$47.2B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

CVS Health is growing revenue at 7% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

14.8%

Thin — 14.8% gross margin

Profit after running costs

Operating Margin

4.4%

Thin — 4.4% operating margin

Return on the money invested

ROCE

5.3%

Weak — 5.3% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+7.4%

Steady sales growth (+7.4% YoY)

Profit growth

EPS YoY

+6.4%

Modest earnings growth (+6.4% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

301%

Turns 301% of profit into real cash

Spare cash per sale

FCF Margin

2.8%

Thin free cash flow (2.8%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

0.96

Moderate — manageable debt (0.96)

Covers its interest

Interest Cover

2.67x

Tight — interest eats into profit (2.7x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

24.4x

Growth-priced — P/E 24.4

P/E above the market average. People are paying up for expected growth.

Cheaper or dearer next year

P/E vs Forward

+15.2

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (24.4 → 9.2)

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Dividends

Dividend

Dividend Yield

2.98%

Moderate income — 2.98% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+0.0%

Dividend flat

Payout Ratio

70%

no trend

Most of the profit goes out as dividends. Little left to reinvest, and less cushion if earnings dip.

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CVS Health

§How the score breaks down

Share count falling — buybacks

§Winston Score History

Politician Trades

Growth Profile

Every number that matters to educated investors.

Quality

Growth

Cash Flow

Stability

Valuation

Dividends