Clover Health Investments Corp (CLOV)vsHumana Inc (HUM)
CLOV
Clover Health Investments Corp
$4.23
-2.42%
HEALTHCARE · Cap: $2.43B
HUM
Humana Inc
$365.41
-5.99%
HEALTHCARE · Cap: $47.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 6107% more annual revenue ($137.20B vs $2.21B). HUM leads profitability with a 0.0% profit margin vs -2.6%. HUM earns a higher WallStSmart Score of 52/100 (C-).
CLOV
Avoid34
out of 100
Grade: F
HUM
Buy52
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
+0.6%
Fair Value
$402.40
Current Price
$365.41
$36.99 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 62.0% year-over-year
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Generating 1.1B 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
Expensive relative to growth rate
0.2% revenue growth
ROE of 6.1% — below average capital efficiency
0.0% margin — thin
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 : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Free Cash Flow.
Bear Case : CLOV
The primary concerns for CLOV are EPS Growth, Operating Margin, Piotroski F-Score.
Bear Case : HUM
The primary concerns for HUM are PEG Ratio, Revenue Growth, Return on Equity. A P/E of 41.5x leaves little room for execution misses. Thin 0.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
CLOV profiles as a hypergrowth stock while HUM 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.
HUM generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HUM scores higher overall (52/100 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 →Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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