WallStSmart

Clover Health Investments Corp (CLOV)vsUnitedHealth Group Incorporated (UNH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

UnitedHealth Group Incorporated generates 23168% more annual revenue ($447.57B vs $1.92B). UNH leads profitability with a 2.7% profit margin vs -4.5%. UNH earns a higher WallStSmart Score of 59/100 (C).

CLOV

Hold

36

out of 100

Grade: F

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

UNH

Buy

59

out of 100

Grade: C

Growth: 5.3Profit: 5.0Value: 7.3Quality: 5.8
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CLOV.

UNHSignificantly Overvalued (-202.7%)

Margin of Safety

-202.7%

Fair Value

$89.96

Current Price

$270.55

$180.59 premium

UndervaluedFair: $89.96Overvalued

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

UNH3 strengths · Avg: 8.7/10
Market CapQuality
$250.15B10/10

Mega-cap, among the largest globally

PEG RatioValuation
0.988/10

Growing faster than its price suggests

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

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

UNH3 concerns · Avg: 2.7/10
Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Operating MarginProfitability
0.3%3/10

Operating margin of 0.3%

EPS GrowthGrowth
-99.9%2/10

Earnings declined 99.9%

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 : UNH

The strongest argument for UNH centers on Market Cap, PEG Ratio, Price/Book. Revenue growth of 12.3% demonstrates continued momentum. PEG of 0.98 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 : UNH

The primary concerns for UNH are Profit Margin, Operating Margin, EPS Growth. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

CLOV profiles as a hypergrowth stock while UNH 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.

UNH generates stronger free cash flow (160M), providing more financial flexibility.

Bottom Line

UNH scores higher overall (59/100 vs 36/100) and 12.3% 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.

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UnitedHealth Group Incorporated

HEALTHCARE · HEALTHCARE PLANS · USA

UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services. In 2020, it was the second-largest healthcare company (behind CVS Health) by revenue with $257.1 billion, and the largest insurance company by net premiums. UnitedHealthcare revenues comprise 80% of the Group's overall revenue.

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