CVS

CVS HEALTH Corp

Consumer Discretionary • CIK: 0000064803

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Market Cap
$89.04B
P/E (TTM)
30.4x
Rev Growth (TTM)
+7.6%
Net Margin (TTM)
0.7%
FCF Yield (TTM)
8.3%
FCF Margin (TTM)
1.8%

LATEST EARNINGS

Q4 FY2025
3 months ago
View source
Revenue
$105.69B
+8.2%
Net Income
$2.92B
Flat
EPS
$2.30
+76.9%
Operating
2.0% -0.4%
Net
2.8% +1.1%
  • Total revenues increased 8.2% in Q4 2025 to $105.7 billion and 7.8% for the full year 2025 to a record $402.1 billion, driven by growth across all operating segments.
  • Health Services segment adjusted operating income increased 9.2% in Q4 2025, driven by improved purchasing economics.
  • Pharmacy & Consumer Wellness segment adjusted operating income increased 8.7% in Q4 2025, driven by increased prescription volume and favorable drug mix.
  • Aetna® is improving the experience for health care professionals and patients, approving over 95% of eligible prior authorizations within 24 hours.

Cash Flow Health

Free Cash Flow7/8 positive
TTM$7.4B
Q1 '26
$3.4B+30%
Q4 '25
$2.6B+2559%
FCF Margin
TTM1.8%
Q1 '263.4%+37%
Sector: 2.2%Below Avg
OCF Margin2.5%
OCF/NI3.52x
CapEx Coverage3.5x
FCF Yield8.3%
FCF Growth (2Y)-25%
Cash Conversion Cycle
66 days
DSO: 37+DIO: 30DPO: 0

Capital Allocation & Returns

Balanced
Total Shareholder Yield
TTM3.8%
Div Yield3.8%

Balancing returns with reinvestment

Dividend & Payout Metrics
Dividend Yield (TTM)3.8%
FCF Payout Ratio45.7%
Free Cash Flow (TTM)$7.4B
Stock Repurchases ()$0
Capital Return / FCF46.0%
Est. Dividends Paid (TTM)$3.4B
Shows how management rewards shareholders

Operational Efficiency & Returns

Return on Invested CapitalTTM
3.7%
Moderate
-0.0% YoY+2.8%
P25MedianP75
75th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
1.2%
8Q: 2.1%
Asset Turnover
1.60x
8Q: 1.54x
Leverage (1+D/E)
1.78x
D/E: 0.78x
DuPont: 3.5%3.7% ROIC
Asset & CapEx Efficiency
Fixed Asset Turn
31.56x
8Q:30.57x
+340.1%
Invested Cap Turn
3.23x
8Q:3.02x
+61.9%
CapEx Intensity
2.3%
8Q:2.2%
CapEx/Depreciation
0.64x
Asset-based ROIC formula

QUARTERLY TRENDS

Last 8 quarters + TTM

MetricTTMQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024
Revenue
$407.9B
$100.4B5.0%
$105.7B2.7%
$102.9B4.0%
$98.9B4.6%
$94.6B3.2%
$97.7B2.4%
$95.4B4.6%
$91.2B
Operating Income
$6.0B
$4.7B121.6%
$2.1B165.9%
$-3.2B234.7%
$2.4B29.4%
$3.4B42.5%
$2.4B184.6%
$832.0M72.7%
$3.0B
Net Income
$2.9B
$2.9B0.0%
$2.9B174.0%
$-4.0B489.3%
$1.0B42.6%
$1.8B8.2%
$1.6B1789.7%
$87.0M95.1%
$1.8B
Operating Cash Flow
$10.3B
$4.2B25.3%
$3.4B325.9%
$796.0M58.0%
$1.9B58.4%
$4.6B144.9%
$1.9B349.7%
$-745.0M124.1%
$3.1B
Free Cash Flow
$7.4B
$3.4B30.5%
$2.6B2559.2%
$98.0M92.4%
$1.3B66.2%
$3.8B249.2%
$1.1B177.2%
$-1.4B157.7%
$2.5B
Total Equity
N/A

Valuation Analysis

Fair Value
Price-to-EarningsTTM
30.4x
Volatile
8Q: 38.2x-37828%
High PEG ratio (4.0x) suggests expensive for growth
Valuation Lenses
Earnings
30.4x
vs sector
Cash Flow
18.6x
EV/FCF vs
Growth-Adj
4.0xPEG
Expensive for growth
Quality-Adj
8.3P/E per %ROIC
ROIC: 3.7%
Shareholder Returns
Dividend
3.8%
Buyback
Total Yield
3.8%
Market Cap$89.04B
EV$137.48B
Multi-angle valuation analysis with sector context

Business Quality & Moat

Overall Quality Score
57/100
Average

Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)

Returns on Capital

Return on Equity (ROE)Below Avg
3.9%
8Q:
Return on Invested Capital (ROIC)Top 25%
3.7%
8Q:
+2.8%
vs Sector:0.1%

DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)

NOPAT Margin: 1.2%
Asset Turnover: 1.60x

Earnings Quality

Cash Conversion

3.52x

OCF / Net Income

FCF Consistency

Positive quarters

Competitive Moat Indicators

Pricing Power

Gross Margin44.7%

Capital Efficiency

Invested Capital Turnover3.23x

Working Capital

Cash Conversion Cycle66 days

Growth Quality & Momentum

Low Quality
Growth Quality Score
48/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%

Growth Rates

Revenue Growth YoY
7.6%
OpInc Growth YoY
38.7%
EPS Growth YoY
-45.1%
FCF 3Y CAGR
-24.8%

Growth Quality Analysis

Working Capital Drag: FCF growth lagging revenue by 32.4%
Sustainability Index: 3.0/10 - Growth sustainability concerns

Margin Quality & Sustainability

Low Quality
Profitability Cascade
Gross
44.7%
Operating
1.5%
Below Avg in sector
Net
0.7%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
FCF vs Net Gap
+1.1 pts
FCF: 1.8% | Net: 0.7%

Quality = stability + cash conversion + low dilution

Balance Sheet & Solvency

Adequate
Net Debt / EBITDA
Net Debt: $48.50B
Interest Coverage
Leverage Metrics
Debt-to-Equity
0.78x
Balance sheet risk & solvency analysis