Clover Health Investments Corp (CLOV)vsCentene Corp (CNC)
CLOV
Clover Health Investments Corp
$3.83
-4.01%
HEALTHCARE · Cap: $2.49B
CNC
Centene Corp
$62.33
-0.59%
HEALTHCARE · Cap: $32.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Centene Corp generates 7968% more annual revenue ($178.33B vs $2.21B). CLOV leads profitability with a -2.6% profit margin vs -3.6%. CNC earns a higher WallStSmart Score of 57/100 (C).
CLOV
Hold35
out of 100
Grade: F
CNC
Buy57
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.5%
Fair Value
$6.72
Current Price
$3.83
$2.89 discount
Margin of Safety
+85.0%
Fair Value
$269.76
Current Price
$62.33
$207.43 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 62.0% year-over-year
Reasonable price relative to book value
Generating 3.4B in free cash flow
Areas to Watch
0.0% earnings growth
Operating margin of 3.6%
Weak financial health signals
ROE of -16.8% — below average capital efficiency
ROE of -30.1% — below average capital efficiency
Currently unprofitable
Comparative Analysis Report
WallStSmart ResearchBull Case : CLOV
The strongest argument for CLOV centers on Revenue Growth. Revenue growth of 62.0% demonstrates continued momentum.
Bull Case : CNC
The strongest argument for CNC centers on Price/Book, Free Cash Flow. PEG of 1.25 suggests the stock is reasonably priced for its growth.
Bear Case : CLOV
The primary concerns for CLOV are EPS Growth, Operating Margin, Piotroski F-Score.
Bear Case : CNC
The primary concerns for CNC are Return on Equity, Profit Margin.
Key Dynamics to Monitor
CLOV profiles as a hypergrowth stock while CNC is a turnaround 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.
CNC generates stronger free cash flow (3.4B), providing more financial flexibility.
Bottom Line
CNC scores higher overall (57/100 vs 35/100). CLOV offers better value entry with a 69.5% margin of safety. Both earn "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.
Clover Health Investments Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Clover Health Investments, Corp. The company is headquartered in Franklin, Tennessee.
Visit Website →Centene Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.
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