Clover Health Investments Corp (CLOV)vsElevance Health Inc (ELV)
CLOV
Clover Health Investments Corp
$4.23
-2.42%
HEALTHCARE · Cap: $2.43B
ELV
Elevance Health Inc
$375.98
+0.11%
HEALTHCARE · Cap: $85.33B
Smart Verdict
WallStSmart Research — data-driven comparison
Elevance Health Inc generates 8999% more annual revenue ($201.11B vs $2.21B). ELV leads profitability with a 2.5% profit margin vs -2.6%. ELV earns a higher WallStSmart Score of 55/100 (C-).
CLOV
Avoid34
out of 100
Grade: F
ELV
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.1%
Fair Value
$6.63
Current Price
$4.23
$2.40 discount
Margin of Safety
+7.5%
Fair Value
$416.99
Current Price
$375.98
$41.01 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 62.0% year-over-year
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.6B 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
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 62.0% demonstrates continued momentum.
Bull Case : ELV
The strongest argument for ELV centers on Market Cap, P/E Ratio, Price/Book. PEG of 1.35 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 2.42 — expect wider price swings.
CLOV is growing revenue faster at 62.0% — sustainability is the question.
ELV generates stronger free cash flow (1.6B), providing more financial flexibility.
Bottom Line
ELV scores higher overall (55/100 vs 34/100). CLOV offers better value entry with a 69.1% margin of safety. Both earn "Buy" and "Avoid" 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.
Compare with Other HEALTHCARE PLANS Stocks
Want to dig deeper into these stocks?