Clover Health Investments Corp (CLOV)vsHumana Inc (HUM)
CLOV
Clover Health Investments Corp
$1.82
0.00%
HEALTHCARE · Cap: $954.89M
HUM
Humana Inc
$174.24
+1.17%
HEALTHCARE · Cap: $20.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 6641% more annual revenue ($129.66B vs $1.92B). HUM leads profitability with a 0.9% profit margin vs -4.5%. HUM earns a higher WallStSmart Score of 58/100 (C).
CLOV
Hold36
out of 100
Grade: F
HUM
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CLOV.
Margin of Safety
-162.4%
Fair Value
$66.84
Current Price
$174.24
$107.40 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 44.7% year-over-year
Reasonable price relative to book value
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Attractively priced relative to earnings
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 7.0% — below average capital efficiency
0.9% margin — thin
Earnings declined 59.3%
Negative free cash flow — burning cash
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 : HUM
The strongest argument for HUM centers on Price/Book, Altman Z-Score, PEG Ratio. Revenue growth of 11.3% demonstrates continued momentum. PEG of 0.99 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 : HUM
The primary concerns for HUM are Return on Equity, Profit Margin, EPS Growth. Thin 0.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
CLOV profiles as a hypergrowth stock while HUM 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.
CLOV generates stronger free cash flow (-69M), providing more financial flexibility.
Bottom Line
HUM scores higher overall (58/100 vs 36/100) and 11.3% revenue growth. 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 →Humana Inc
HEALTHCARE · HEALTHCARE PLANS · USA
Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky.
Visit Website →Compare with Other HEALTHCARE PLANS Stocks
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