Clover Health Investments Corp (CLOV)vsElevance Health Inc (ELV)
CLOV
Clover Health Investments Corp
$4.82
+2.34%
HEALTHCARE · Cap: $2.28B
ELV
Elevance Health Inc
$418.72
+0.52%
HEALTHCARE · Cap: $90.81B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 8023% more annual revenue ($201.11B vs $2.48B). ELV leads profitability with a 2.5% profit margin vs -0.7%. ELV earns a higher WallStSmart Score of 52/100 (C-).
CLOV
Hold38
out of 100
Grade: F
ELV
Buy52
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.8%
Fair Value
$7.26
Current Price
$4.82
$2.44 discount
Margin of Safety
-0.7%
Fair Value
$415.84
Current Price
$418.72
$2.88 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 55.6% year-over-year
Large-cap with strong market position
Reasonable price relative to book value
Generating 1.6B 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
1.4% revenue growth
2.5% margin — thin
Operating margin of 4.6%
Earnings declined 13.1%
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 : ELV
The strongest argument for ELV centers on Market Cap, Price/Book, Free Cash Flow. PEG of 1.36 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 : ELV
The primary concerns for ELV are Revenue Growth, Profit Margin, Operating Margin. Thin 2.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
CLOV profiles as a hypergrowth stock while ELV is a value 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 55.6% — sustainability is the question.
ELV generates stronger free cash flow (1.6B), providing more financial flexibility.
Bottom Line
ELV scores higher overall (52/100 vs 38/100). CLOV offers better value entry with a 71.8% 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 →Elevance Health Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Elevance Health Inc. is a health benefits company. The company is headquartered in Indianapolis, Indiana.
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