Clover Health Investments Corp (CLOV)vsUnitedHealth Group Incorporated (UNH)
CLOV
Clover Health Investments Corp
$4.79
+3.46%
HEALTHCARE · Cap: $2.38B
UNH
UnitedHealth Group Incorporated
$407.10
+0.90%
HEALTHCARE · Cap: $360.32B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 18077% more annual revenue ($450.06B vs $2.48B). UNH leads profitability with a 3.5% profit margin vs -0.7%. UNH earns a higher WallStSmart Score of 62/100 (C+).
CLOV
Hold38
out of 100
Grade: F
UNH
Buy62
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
-25.9%
Fair Value
$326.16
Current Price
$407.10
$80.94 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 55.6% year-over-year
Mega-cap, among the largest globally
Earnings expanding 75.9% YoY
Generating 4.3B in free cash flow
Areas to Watch
0.0% earnings growth
Operating margin of 3.8%
Weak financial health signals
ROE of -16.8% — below average capital efficiency
Moderate valuation
3.5% margin — thin
Revenue declined 0.4%
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 : UNH
The strongest argument for UNH centers on Market Cap, EPS Growth, Free Cash Flow. PEG of 1.01 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 : UNH
The primary concerns for UNH are P/E Ratio, Profit Margin, Revenue Growth. Thin 3.5% 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 2.46 — expect wider price swings.
CLOV is growing revenue faster at 55.6% — sustainability is the question.
UNH generates stronger free cash flow (4.3B), providing more financial flexibility.
Bottom Line
UNH scores higher overall (62/100 vs 38/100). 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 →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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