Clover Health Investments Corp (CLOV)vsCVS Health Corp (CVS)
CLOV
Clover Health Investments Corp
$1.82
0.00%
HEALTHCARE · Cap: $954.89M
CVS
CVS Health Corp
$72.18
-0.85%
HEALTHCARE · Cap: $92.62B
Smart Verdict
WallStSmart Research — data-driven comparison
CVS Health Corp generates 20687% more annual revenue ($399.83B vs $1.92B). CVS leads profitability with a 0.4% profit margin vs -4.5%. CVS earns a higher WallStSmart Score of 65/100 (C+).
CLOV
Hold36
out of 100
Grade: F
CVS
Buy65
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CLOV.
Margin of Safety
-18.4%
Fair Value
$65.05
Current Price
$72.18
$7.13 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 44.7% year-over-year
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 76.6% YoY
Large-cap with strong market position
Generating 2.6B in free cash flow
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
Weak financial health signals
ROE of -26.3% — below average capital efficiency
ROE of 2.3% — below average capital efficiency
0.4% margin — thin
Operating margin of 1.6%
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CLOV
The strongest argument for CLOV centers on Revenue Growth. Revenue growth of 44.7% demonstrates continued momentum.
Bull Case : CVS
The strongest argument for CVS centers on PEG Ratio, Price/Book, EPS Growth. PEG of 0.21 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 : CVS
The primary concerns for CVS are Return on Equity, Profit Margin, Operating Margin. A P/E of 52.4x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
CLOV profiles as a hypergrowth stock while CVS is a value 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.
CVS generates stronger free cash flow (2.6B), providing more financial flexibility.
Bottom Line
CVS scores higher overall (65/100 vs 36/100). 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 →CVS Health Corp
HEALTHCARE · HEALTHCARE PLANS · USA
CVS Health (previously CVS Corporation and CVS Caremark Corporation) is an American healthcare company that owns CVS Pharmacy, a retail pharmacy chain; CVS Caremark, a pharmacy benefits manager; Aetna, a health insurance provider, among many other brands. The company's headquarters is in Woonsocket, Rhode Island.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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