Screened 2026-09-08 · the tape above runs as of 10:31 UTC · 13 Sep · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markup label.
Elevance Health holds its Markup at $401.94. The statistical read favours the buyers, held for 11 days.
As held on the ledger · 2026-09-08
Phase
Markup
Quantitative state
The statistical read favours the buyers, held for 11 days
Price at the screen
$401.94
Valuation
17.77 trailing · 13.58 forward price to earnings
Values screen
PASS· score 77.3
Beta
0.70
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
26.38%
Below 33%
Interest-bearing debt is just 26.4% of its assets, well under the one-third ceiling: it does not run on borrowed money.
Pass
Interest-bearing cash
22.84%
Below 33%
Cash held in interest-bearing accounts and securities is 22.8% of assets, under the one-third limit.
Pass
Receivables
16.10%
Below 49%
Money owed to the company is 16.1% 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.
The Conscience Overlay
Conscience flag · AFSC Investigate
The quantitative screen above is arithmetic and this name passes it. Separately, community boycott lists cite this company: Documented on AFSC Investigate. The desk records that flag here without folding it into the verdict: the screen measures the balance sheet, the overlay informs the conscience, and they are different judgements that belong to different owners. The second one is yours.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads FAIR VALUE: it trades at roughly a 22% discount to our $492.00 fair value, weak competitive moat, 1.40% revenue growth.
Fair value range in USD, drawn from the 2026-09-08 screen. The gold marker is the market price at the same screen. A 22.4% margin of safety to the base estimate.
Third-party analyst targets: 21 covering, consensus None. The average target sits +14% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
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 2026-09-08 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
Health plans priced below their steady cash flows
Every month, families and employers hand over premiums that flow through a handful of big US insurers. Elevance sits among them, trading at 12.6 times forward earnings with revenue barely growing and a 2 percent profit margin. Our work puts fair value 32 percent higher, yet the weak moat and low returns on equity keep the shares at fair value rather than a bargain.
The 1 percent revenue growth and 11 percent ROE tell the real story. Scale helps, ethics clear the screen, and analysts see modest upside to 457 dollars, but nothing here suggests the business can widen its edge or accelerate.
Regulatory shifts, medical cost inflation and thin margins remain the live risks. A cyclical value trap is unlikely, yet the narrow moat leaves little room for error if policy or competition changes. 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
ELV 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 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 4.9% 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 C, carrying a low risk profile. Technically it is holding around 17% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 7%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (21 analysts) rates it buy, with a mean price target of $401.
2026-07-27Markup · changed$377.68-9.1%Entry 5
The framework has shifted from accumulation to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 9.1% 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 C, carrying a low risk profile. Technically it is holding around 17% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 7%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (21 analysts) rates it buy, with a mean price target of $401.
2026-07-18Accumulation$415.53+0.0%Entry 4
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 negative risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 17% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 7%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (21 analysts) rates it buy, with a mean price target of $401.
2026-07-16Accumulation$415.53+0.0%Entry 3
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 negative risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 17% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 7%. Our forward projection puts the odds of a 10% gain over the next month near 17%. The street (21 analysts) rates it buy, with a mean price target of $401. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-03Accumulation$415.53+0.0%Entry 2
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 negative risk-adjusted returns.
2026-07-02Accumulation$415.53Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: PASS with strong ethical credentials. The risk-adjusted return profile shows negative risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
