Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 · View financials
Decision snapshot: CLOV stock price vs NSP: 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 NSP's multiple
Needs NSP P/S.
Implied fair value · at CLOV's multiple
Needs CLOV P/S.
Metric by metric
Price unavailable
Where each company leads, and how wide the gap is.
Growth edge
Pricing power
Operating leverage
Lower is better
Not comparable
Lower leverage
Statements
Core statements aligned to each company's latest fiscal year.
SEC periods: CLOV FY 2025 (ended Dec 31, 2025) · NSP FY 2025 (ended Dec 31, 2025).
Trendline
Seven fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Market cap plus debt, less cash.
Price framework
Discounted free cash flow, then bridged to a per-share price. Same assumptions applied to both companies.
CLOVER HEALTH INVESTMENTS, CORP. /DE · implied price per share
Bear
-$2.86
Base
-$3.36
Bull
-$3.87
Insperity, Inc. · implied price per share
Bear
-$56.11
Base
-$66.01
Bull
-$75.91
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
0.13x
8.02x
Net debt / EBITDA
Leverage against operating earnings
0.45x
-5.44x
Cash and equivalents
Liquid reserves on the balance sheet
$78.30M
$682.00M
Total debt
Interest-bearing obligations outstanding
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.
$40.74M
$369.00M
LLM-powered synthesis
An on-demand narrative read of the same deterministic data.
Based on an earlier data snapshot. Review the filing dates below or refresh after signing in.
If you believe CLOV can sustain 40.3% revenue growth while improving margins toward NSP's near-breakeven level, then hold or accumulate selectively because the current valuation discount is not supported by profitability yet but could narrow if operating leverage improves.
On a P/S basis, CLOV's current price of $5.26 is well above the implied price of $0.96, which implies an 81.8% downside versus NSP-based estimate. The gap is driven by CLOV's higher revenue growth and richer 1.4x sales multiple versus NSP's 0.3x, but the valuation support is limited by CLOV's negative margins and negative ROIC.
Supporting Metrics
Price unavailable
Price unavailable
