Screened 2026-07-24 · the tape above runs as of 22:40 UTC · 24 Jul · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its accumulation label.
CVS Health holds its Accumulation at $107.74. Consolidating, no directional conviction, held for 27 days.
As held on the ledger · 2026-07-24
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 27 days
Price at the screen
$107.74
Valuation
47.25 trailing · 12.80 forward price to earnings
Values screen
PASS· score 81.6
Beta
0.60
The Workings
Five Screens, Shown in Full
Full pass across all five screens. This security clears the Titan Ethical Standard: its business and its balance sheet both stay inside the lines.
Test
Figure
Limit
What it means
Status
Business activity
Permissible
Core business clean
Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending.
Pass
Debt load
31.53%
Below 33%
Interest-bearing debt is just 31.5% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
10.54%
Below 33%
Cash held in interest-bearing accounts and securities is 10.5% of assets, under the one-third limit.
Pass
Receivables
9.77%
Below 49%
Money owed to the company is 9.8% of assets, under the 49% limit.
Pass
Revenue purity
0.00%
Below 5%
Only 0.0% of revenue comes from non-compliant sources, under the 5% line.
Pass
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads FAIR VALUE: it trades at roughly a 29% discount to our $138.75 fair value, weak competitive moat, 6.10% revenue growth.
Fair value range in USD, drawn from the 2026-07-24 screen. The gold marker is the market price at the same screen. A 28.8% margin of safety to the base estimate.
Third-party analyst targets: 26 covering, consensus Strong Buy. The average target sits +3% from the screen price.
Reading the gap · Our model sees value the Street hasn't fully caught up to yet.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-07-24 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Everyday health needs meet a stretched pharmacy giant
Millions of Americans walk into a CVS each week for prescriptions or insurance paperwork, and the company sits squarely in the middle of that daily flow. It trades at $107 against a calculated worth of $139, a 29% margin of safety, with revenue growing 6% and a forward multiple of just 12.8 times. The business clears our ethical screen, yet it still only earns a 1% profit margin and a 4% return on equity.
The weak moat leaves it exposed to reimbursement pressure and competition from both insurers and online dispensers. Analyst targets cluster around $111, only modestly above the current price, so the gap to fair value rests largely on execution rather than structural advantage.
Low returns on capital and thin margins flag the classic risk that earnings could stay depressed for longer than the multiple suggests. Analysis, not advice.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
CVS trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-07-24Accumulation$107.47+0.0%Entry 5
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 18% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 58%. Our forward projection puts the odds of a 10% gain over the next month near 29%. The street (26 analysts) rates it strong buy, with a mean price target of $102. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markup to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 12.0% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 18% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 58%. Our forward projection puts the odds of a 10% gain over the next month near 29%. The street (26 analysts) rates it strong buy, with a mean price target of $102. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-18Markup$95.93+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 18% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 58%. Our forward projection puts the odds of a 10% gain over the next month near 29%. The street (26 analysts) rates it strong buy, with a mean price target of $102.
2026-07-03Markup$95.93+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Markup$95.93Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.