Clover Health Investments Corp (CLOV)vsHumana Inc (HUM)
CLOV
Clover Health Investments Corp
$4.79
+3.46%
HEALTHCARE · Cap: $2.38B
HUM
Humana Inc
$411.87
-0.72%
HEALTHCARE · Cap: $49.61B
Smart Verdict
WallStSmart Research — data-driven comparison
Humana Inc generates 5784% more annual revenue ($145.68B vs $2.48B). HUM leads profitability with a 0.9% profit margin vs -0.7%. HUM earns a higher WallStSmart Score of 64/100 (C+).
CLOV
Hold38
out of 100
Grade: F
HUM
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.3%
Fair Value
$7.13
Current Price
$4.79
$2.34 discount
Margin of Safety
+8.2%
Fair Value
$423.98
Current Price
$411.87
$12.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 55.6% year-over-year
Safe zone — low bankruptcy risk
Reasonable price relative to book value
Revenue surging 26.2% year-over-year
Earnings expanding 27.1% YoY
Areas to Watch
0.0% earnings growth
Operating margin of 3.8%
Weak financial health signals
ROE of -16.8% — below average capital efficiency
Premium valuation, high expectations priced in
ROE of 6.7% — below average capital efficiency
0.9% margin — thin
Operating margin of 3.5%
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 : HUM
The strongest argument for HUM centers on Altman Z-Score, Price/Book, Revenue Growth. Revenue growth of 26.2% demonstrates continued momentum. PEG of 1.25 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 : HUM
The primary concerns for HUM are P/E Ratio, Return on Equity, Profit Margin. Thin 0.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
CLOV profiles as a hypergrowth stock while HUM is a growth play — different risk/reward profiles.
CLOV carries more volatility with a beta of 2.46 — expect wider price swings.
CLOV is growing revenue faster at 55.6% — sustainability is the question.
CLOV generates stronger free cash flow (25M), providing more financial flexibility.
Bottom Line
HUM scores higher overall (64/100 vs 38/100) and 26.2% revenue growth. CLOV offers better value entry with a 71.3% 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 →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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