Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: CLOV stock price vs CVS: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at CVS's multiple
Needs Annual EPS, CVS P/E.
Implied fair value · at CLOV's multiple
Needs CLOV P/E.
Price unavailable
Metric by metric
Where each company leads, and how wide the gap is.
Growth edge
Reported gross margin
Operating income + D&A
Lower is better
Not comparable
Lower leverage
Statements
Annual statements in reported currencies, with calculations and source evidence.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
16 period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
Price framework
USD market cap plus reported borrowing debt, less cash and equivalents. This EV proxy excludes investments, preferred stock and noncontrolling-interest adjustments.
Complete market value, debt and cash evidence is required for enterprise value.
Complete market value, debt and cash evidence is required for enterprise value.
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
CLOVER HEALTH INVESTMENTS, CORP. /DE · implied price per share
Latest annual free cash flow must be positive to qualify the filing-backed baseline.
CVS HEALTH Corp · implied price per share
Bear
$43.35
Base
$58.49
Bull
$78.21
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Comparable set
Where the pair sits against the wider comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
Alignment Healthcare, Inc.
CLOV vs ALHC
Oscar Health, Inc.
CLOV vs OSCR
MOLINA HEALTHCARE, INC.
CLOV vs MOH
CENTENE CORP
CLOV vs CNC
Walgreens Boots Alliance, Inc.
CLOV vs WBA
UNITEDHEALTH GROUP INC
CLOV vs UNH
Walmart Inc.
CLOV vs WMT
Cigna Group
CLOV vs CI
HUMANA INC
CLOV vs HUM
Elevance Health, Inc.
CLOV vs ELV
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe CLOV can sustain 40.3% revenue growth while improving its -4.4% operating margin toward breakeven, then holding or accumulating may make sense; otherwise, CVS and valuation data favor caution because the implied price is 70.5% below the current price and CLOV trades richer than CVS on both P/S and EV/Revenue.
CLOV’s implied price of $1.16 is 70.5% below the current price of $3.92, indicating a large downside gap on the provided P/S framework. However, CLOV trades at 1.0x P/S versus CVS at 0.3x P/S, so the stock is not inexpensive relative to CVS despite its smaller scale and faster growth.
Supporting Metrics
