Cigna Corp (CI)vsClover Health Investments Corp (CLOV)
CI
Cigna Corp
$289.48
+1.07%
HEALTHCARE · Cap: $72.14B
CLOV
Clover Health Investments Corp
$3.83
-4.01%
HEALTHCARE · Cap: $2.49B
Smart Verdict
WallStSmart Research — data-driven comparison
Cigna Corp generates 12472% more annual revenue ($277.89B vs $2.21B). CI leads profitability with a 2.3% profit margin vs -2.6%. CI earns a higher WallStSmart Score of 68/100 (B-).
CI
Strong Buy68
out of 100
Grade: B-
CLOV
Hold35
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+57.5%
Fair Value
$680.85
Current Price
$289.48
$391.37 discount
Margin of Safety
+69.5%
Fair Value
$6.72
Current Price
$3.83
$2.89 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Large-cap with strong market position
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 29.1% YoY
Revenue surging 62.0% year-over-year
Areas to Watch
4.6% revenue growth
2.3% margin — thin
0.0% earnings growth
Operating margin of 3.6%
Weak financial health signals
ROE of -16.8% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : CI
The strongest argument for CI centers on P/E Ratio, Market Cap, PEG Ratio. PEG of 0.82 suggests the stock is reasonably priced for its growth.
Bull Case : CLOV
The strongest argument for CLOV centers on Revenue Growth. Revenue growth of 62.0% demonstrates continued momentum.
Bear Case : CI
The primary concerns for CI are Revenue Growth, Profit Margin. Thin 2.3% margins leave little buffer for downturns.
Bear Case : CLOV
The primary concerns for CLOV are EPS Growth, Operating Margin, Piotroski F-Score.
Key Dynamics to Monitor
CI profiles as a value stock while CLOV is a hypergrowth play — different risk/reward profiles.
CLOV carries more volatility with a beta of 2.48 — expect wider price swings.
CLOV is growing revenue faster at 62.0% — sustainability is the question.
CI generates stronger free cash flow (864M), providing more financial flexibility.
Bottom Line
CI scores higher overall (68/100 vs 35/100). CLOV offers better value entry with a 69.5% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Cigna Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Cigna is an American multinational managed healthcare and insurance company based in Bloomfield, Connecticut. Its insurance subsidiaries are major providers of medical, dental, disability, life and accident insurance and related products and services, the majority of which are offered through employers and other groups (e.g. governmental and non-governmental organizations, unions and associations).
Visit Website →Clover Health Investments Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Clover Health Investments, Corp. The company is headquartered in Franklin, Tennessee.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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