Clover Health Investments Corp (CLOV)vsUnitedHealth Group Incorporated (UNH)
CLOV
Clover Health Investments Corp
$3.83
-4.01%
HEALTHCARE · Cap: $2.49B
UNH
UnitedHealth Group Incorporated
$399.47
+0.65%
HEALTHCARE · Cap: $343.21B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 20246% more annual revenue ($449.71B vs $2.21B). UNH leads profitability with a 2.7% profit margin vs -2.6%. UNH earns a higher WallStSmart Score of 54/100 (C-).
CLOV
Hold35
out of 100
Grade: F
UNH
Buy54
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
-26.6%
Fair Value
$321.13
Current Price
$399.47
$78.34 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 62.0% year-over-year
Mega-cap, among the largest globally
Generating 8.1B 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
Moderate valuation
2.0% revenue growth
0.7% earnings growth
2.7% 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 : UNH
The strongest argument for UNH centers on Market Cap, Free Cash Flow. PEG of 1.32 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 : UNH
The primary concerns for UNH are P/E Ratio, Revenue Growth, EPS Growth. Thin 2.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
CLOV profiles as a hypergrowth stock while UNH 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 62.0% — sustainability is the question.
UNH generates stronger free cash flow (8.1B), providing more financial flexibility.
Bottom Line
UNH scores higher overall (54/100 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 →UnitedHealth Group Incorporated
HEALTHCARE · HEALTHCARE PLANS · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services. In 2020, it was the second-largest healthcare company (behind CVS Health) by revenue with $257.1 billion, and the largest insurance company by net premiums. UnitedHealthcare revenues comprise 80% of the Group's overall revenue.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
Want to dig deeper into these stocks?