Clover Health Investments Corp (CLOV)vsCVS Health Corp (CVS)
CLOV
Clover Health Investments Corp
$4.79
+3.46%
HEALTHCARE · Cap: $2.38B
CVS
CVS Health Corp
$89.95
-1.29%
HEALTHCARE · Cap: $118.13B
Smart Verdict
WallStSmart Research — data-driven comparison
CVS Health Corp generates 16566% more annual revenue ($412.64B vs $2.48B). CVS leads profitability with a 1.2% profit margin vs -0.7%. CVS earns a higher WallStSmart Score of 67/100 (B-).
CLOV
Hold38
out of 100
Grade: F
CVS
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.3%
Fair Value
$7.13
Current Price
$4.79
$2.34 discount
Margin of Safety
+44.9%
Fair Value
$139.84
Current Price
$89.95
$49.89 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 55.6% year-over-year
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 188.8% YoY
Large-cap with strong market position
Generating 5.7B in free cash flow
Areas to Watch
0.0% earnings growth
Operating margin of 3.8%
Weak financial health signals
ROE of -16.8% — below average capital efficiency
ROE of 6.2% — below average capital efficiency
1.2% margin — thin
Operating margin of 3.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : CLOV
The strongest argument for CLOV centers on Revenue Growth. Revenue growth of 55.6% demonstrates continued momentum.
Bull Case : CVS
The strongest argument for CVS centers on PEG Ratio, Price/Book, EPS Growth. PEG of 0.21 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 : CVS
The primary concerns for CVS are Return on Equity, Profit Margin, Operating Margin. Thin 1.2% margins leave little buffer for downturns.
Key Dynamics to Monitor
CLOV profiles as a hypergrowth stock while CVS is a value play — different risk/reward profiles.
CLOV carries more volatility with a beta of 2.46 — expect wider price swings.
CLOV is growing revenue faster at 55.6% — sustainability is the question.
CVS generates stronger free cash flow (5.7B), providing more financial flexibility.
Bottom Line
CVS scores higher overall (67/100 vs 38/100). CLOV offers better value entry with a 71.3% 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.
Clover Health Investments Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Clover Health Investments, Corp. The company is headquartered in Franklin, Tennessee.
Visit Website →CVS Health Corp
HEALTHCARE · HEALTHCARE PLANS · USA
CVS Health (previously CVS Corporation and CVS Caremark Corporation) is an American healthcare company that owns CVS Pharmacy, a retail pharmacy chain; CVS Caremark, a pharmacy benefits manager; Aetna, a health insurance provider, among many other brands. The company's headquarters is in Woonsocket, Rhode Island.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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