Elevance Health (ELV) stock: Winston Score and insider trades

§Winston Score History

Elevance Health is one of the largest health insurance companies in the United States. It sells medical, dental, and vision insurance plans to individuals, families, employers, and government programs like Medicaid and Medicare. The company operates the Blue Cross Blue Shield brand in 14 states, which is one of the most recognized names in American healthcare.

Elevance makes money by collecting monthly premiums from members and then paying out claims when those members use medical services. It serves roughly 45 million members across all 50 states, though its core insurance business is concentrated in states where it holds Blue Cross Blue Shield licenses. The company also runs a growing healthcare services segment called Carelon, which provides pharmacy, behavioral health, and care management services. The main risk Elevance faces is rising medical costs — when members use more healthcare than expected, profit margins shrink quickly, as seen in recent quarters where higher utilization pressured earnings.

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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

+1.4% YoY

YoY Growth Rate

Slow revenue growth

Reported EPS Growth

+18.4% YoY

Quarterly reporting periods ended:

30 Sept 2025: $5.32

30 Sept 2026: $6.30

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

$23.1B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

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

Growth context

Elevance Health is growing revenue at 1% 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

15.6%

Thin — 15.6% gross margin

Profit after running costs

Operating Margin

4.2%

Thin — 4.2% operating margin

Return on the money invested

ROCE

16.6%

Strong — 16.6% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth

Sales YoY

+3.6%

Slow sales growth (+3.6% YoY)

Profit growth

EPS YoY

-4.2%

Earnings shrinking (-4.2% YoY)

Slight earnings drop. Typical near a cyclical low.

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

148%

Turns 148% of profit into real cash

Spare cash per sale

FCF Margin

3.2%

Thin free cash flow (3.2%)

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

0.01

Conservative — low debt load (0.01)

Covers its interest

Interest Cover

6.56x

Adequate interest coverage (6.6x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

18.9x

Fair value — P/E 18.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+6.1

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (18.9 → 12.8)

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Dividends

Dividend

Dividend Yield

1.61%

Small dividend — 1.61% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+1.6%

Dividend flat

Payout Ratio

29%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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Elevance 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