Is CVS or PGNY more undervalued in 2026?

CirclFi compares CVS Health Corporation (CVS) and Progyny, Inc. (PGNY) using 13 institutional-grade valuation models. CVS has a Quality of Company score of 8.1/10 while PGNY scores 8.8/10.

Which is a better buy — CVS or PGNY?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do CVS and PGNY valuations compare?

CVS at $92.97 and PGNY at $25.69 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CVS vs PGNY Valuation Comparison 2026 — Intrinsic Value Analysis

CVS

Healthcare Plans

CVS Health Corporation

Quality

8.1

out of 10

Value Trap

LOW

Price

$92.97

Last close

Models

12/13

Active

PGNY

Healthcare Plans

Progyny, Inc.

Quality

8.8

out of 10

Value Trap

SAFE

Price

$25.69

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	CVS Fair Value	CVS Upside	PGNY Fair Value	PGNY Upside
Bayesian DCF	Intrinsic	$64.38	-30.8%	$32.54	+26.7%
Earnings Power Value	Intrinsic	$1.04	-98.9%	$7.96	-69.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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CVS vs PGNY — Which Stock Is More Undervalued?

PGNY scores higher with a 8.8/10 quality rating vs CVS's 8.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing CVS Health Corporation (CVS) and Progyny, Inc. (PGNY) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

CVS currently trades at $92.97 with a QOC of 8.1/10, while PGNY trades at $25.69 with a QOC of 8.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).