Clover Health Investments Corp (CLOV)vsCentene Corp (CNC)
CLOV
Clover Health Investments Corp
$4.82
+2.34%
HEALTHCARE · Cap: $2.28B
CNC
Centene Corp
$66.42
+1.56%
HEALTHCARE · Cap: $31.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Centene Corp generates 7182% more annual revenue ($180.30B vs $2.48B). CLOV leads profitability with a -0.7% profit margin vs -2.8%. CNC earns a higher WallStSmart Score of 56/100 (C).
CLOV
Hold38
out of 100
Grade: F
CNC
Buy56
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
+84.8%
Fair Value
$265.86
Current Price
$66.42
$199.44 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 55.6% year-over-year
Reasonable price relative to book value
Growing faster than its price suggests
Generating 4.2B 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
4.6% revenue growth
Operating margin of 3.8%
ROE of -22.6% — below average capital efficiency
Currently unprofitable
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 : CNC
The strongest argument for CNC centers on Price/Book, PEG Ratio, Free Cash Flow. PEG of 0.81 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 : CNC
The primary concerns for CNC are Revenue Growth, Operating Margin, Return on Equity.
Key Dynamics to Monitor
CLOV profiles as a hypergrowth stock while CNC is a turnaround 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.
CNC generates stronger free cash flow (4.2B), providing more financial flexibility.
Bottom Line
CNC scores higher overall (56/100 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 →Centene Corp
HEALTHCARE · HEALTHCARE PLANS · USA
Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.
Compare with Other HEALTHCARE PLANS Stocks
Want to dig deeper into these stocks?