Clover Health Investments Corp (CLOV)vsCVS Health Corp (CVS)
CLOV
Clover Health Investments Corp
$3.83
-4.01%
HEALTHCARE · Cap: $2.49B
CVS
CVS Health Corp
$95.93
+1.17%
HEALTHCARE · Cap: $114.20B
Smart Verdict
WallStSmart Research — data-driven comparison
CVS Health Corp generates 18251% more annual revenue ($405.62B vs $2.21B). CVS leads profitability with a 0.7% profit margin vs -2.6%. CVS earns a higher WallStSmart Score of 65/100 (C+).
CLOV
Hold35
out of 100
Grade: F
CVS
Buy65
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
+45.4%
Fair Value
$141.01
Current Price
$95.93
$45.08 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 62.0% year-over-year
Growing faster than its price suggests
Earnings expanding 63.1% YoY
Large-cap with strong market position
Reasonable price relative to book value
Generating 3.4B 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
Premium valuation, high expectations priced in
ROE of 3.8% — below average capital efficiency
0.7% margin — thin
Operating margin of 4.1%
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 : CVS
The strongest argument for CVS centers on PEG Ratio, EPS Growth, Market Cap. PEG of 0.26 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 : CVS
The primary concerns for CVS are P/E Ratio, Return on Equity, Profit Margin. Thin 0.7% 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 2.48 — expect wider price swings.
CLOV is growing revenue faster at 62.0% — sustainability is the question.
CVS generates stronger free cash flow (3.4B), providing more financial flexibility.
Bottom Line
CVS scores higher overall (65/100 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 →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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