WallStSmart

Clover Health Investments Corp (CLOV)vsCentene Corp (CNC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Centene Corp generates 9058% more annual revenue ($176.15B vs $1.92B). CNC leads profitability with a -3.8% profit margin vs -4.5%. CNC earns a higher WallStSmart Score of 65/100 (B-).

CLOV

Hold

36

out of 100

Grade: F

Growth: 8.0Profit: 2.0Value: 5.0Quality: 4.3
Piotroski: 2/9Altman Z: -1.36

CNC

Strong Buy

65

out of 100

Grade: B-

Growth: 8.0Profit: 2.5Value: 6.7Quality: 5.8
Piotroski: 4/9Altman Z: 2.71

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CLOV1 strengths · Avg: 10.0/10
Revenue GrowthGrowth
44.7%10/10

Revenue surging 44.7% year-over-year

CNC4 strengths · Avg: 8.5/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

PEG RatioValuation
0.748/10

Growing faster than its price suggests

Revenue GrowthGrowth
23.2%8/10

Revenue surging 23.2% year-over-year

EPS GrowthGrowth
21.8%8/10

Earnings expanding 21.8% YoY

Areas to Watch

CLOV4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$954.89M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-26.3%2/10

ROE of -26.3% — below average capital efficiency

CNC3 concerns · Avg: 1.3/10
Return on EquityProfitability
-28.7%2/10

ROE of -28.7% — below average capital efficiency

Profit MarginProfitability
-3.8%1/10

Currently unprofitable

Operating MarginProfitability
-1.9%1/10

Operating margin of -1.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : CLOV

The strongest argument for CLOV centers on Revenue Growth. Revenue growth of 44.7% demonstrates continued momentum.

Bull Case : CNC

The strongest argument for CNC centers on Price/Book, PEG Ratio, Revenue Growth. Revenue growth of 23.2% demonstrates continued momentum. PEG of 0.74 suggests the stock is reasonably priced for its growth.

Bear Case : CLOV

The primary concerns for CLOV are EPS Growth, Market Cap, Piotroski F-Score.

Bear Case : CNC

The primary concerns for CNC are Return on Equity, Profit Margin, Operating Margin.

Key Dynamics to Monitor

CLOV profiles as a hypergrowth stock while CNC is a growth play — different risk/reward profiles.

CLOV carries more volatility with a beta of 2.24 — expect wider price swings.

CLOV is growing revenue faster at 44.7% — sustainability is the question.

CNC generates stronger free cash flow (224M), providing more financial flexibility.

Bottom Line

CNC scores higher overall (65/100 vs 36/100) and 23.2% revenue growth. Both earn "Strong 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.

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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.

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