COMPARE · Reviewed August 3, 2026
ALHC vs ELV
Verdict: Side-by-side breakdown using the Bull Rankings model. ALHC scored 58.9, ELV scored 63.9 — ELV leads.
Compare another set
ALHC
Alignment Healthcare, Inc.
58.9
$13.76 · $2.9B
fundamentals as of
Score gap
5.0
ELV leads
ELV
Elevance Health, Inc.
63.9
$379.53 · $82.3B
fundamentals as of
The model, pillar by pillar (0–100 each)
ALHC
stronger →← stronger
ELV
46
Qualityreturns · margins · balance sheet
55
100
Growthrevenue & earnings expansion
86
45
Valuevaluation vs sector peers
55
ELV is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
ALHC
ELV
$178mC
FCF
$6.3bB+
+46.1%A
Rev
+12.6%B+
1.25C
D/E
0.69C+
72.4xD
P/E
16.8xA-
1.66C+
PEG
1.33B
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
ALHC
ELV
24% below
Price vs fair valuelower is cheaper
41% below
~8%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-6%/yr
+1%
1-yr DCF upside
+57%
+32%
5-yr DCF upside
+70%
+96%
10-yr DCF upside
+92%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
ALHC
Why this score
- Diluting shareholders
ELV
Why this score
- Buying back stock
The companies
ALHCAlignment Healthcare, Inc.
Why now
Healthcare Plans · market cap $2.9b. Down 45% from 52-week high of $25.12 — deep drawdown territory. Revenue growing +46% — in hypergrowth territory. 13 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $24.62 (implying +79% upside).
Moat
ROE 20% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong.
Risk
Trailing P/E 72.4x prices in sustained high growth — any quarter that disappoints triggers sharp re-rating. Down 45% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Net margin 0.9% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
ELVElevance Health, Inc.
Why now
Healthcare Plans · market cap $82.3b. 13% off the 52-week high of $436.24. Revenue growing +13%, comfortably above the S&P median. 21 sell-side analysts rate this a Buy with a mean 1-yr target of $449.10 (implying +18% upside).
Moat
ROE 11% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 127% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined. $82.3b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Net margin 2.5% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.