Clover Health [CLOV] vs UnitedHealth [UNH] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 21 vital metrics comparison: Clover Health Investments Corp. wins in 4 metrics, UnitedHealth Group Incorporated wins in 14 metrics, with 1 ties. UnitedHealth Group Incorporated appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Clover Health Investments Corp. | UnitedHealth Group Incorporated | Better |
|---|---|---|---|
| P/E Ratio (TTM) | -14.09 | 26.81 | UnitedHealth Group Incorporated |
| Price-to-Book Ratio | 4.20 | 3.42 | UnitedHealth Group Incorporated |
| Debt-to-Equity Ratio | 0.00 | 73.98 | Tie |
| PEG Ratio | -0.09 | -0.27 | Clover Health Investments Corp. |
| EV/EBITDA | -13.96 | 17.29 | UnitedHealth Group Incorporated |
| Profit Margin (TTM) | -4.45% | 2.68% | UnitedHealth Group Incorporated |
| Operating Margin (TTM) | -10.11% | 8.05% | UnitedHealth Group Incorporated |
| EBITDA Margin (TTM) | N/A | 8.05% | N/A |
| Return on Equity | -26.33% | 12.18% | UnitedHealth Group Incorporated |
| Return on Assets (TTM) | -9.53% | 3.78% | UnitedHealth Group Incorporated |
| Free Cash Flow (TTM) | $-68.98M | $16.08B | UnitedHealth Group Incorporated |
| Dividend Yield | N/A | 3.84% | N/A |
| 1-Year Return | 64.24% | 30.30% | Clover Health Investments Corp. |
| Price-to-Sales Ratio (TTM) | 0.68 | 0.72 | Clover Health Investments Corp. |
| Enterprise Value | $1.19B | $371.09B | UnitedHealth Group Incorporated |
| EV/Revenue Ratio | 0.62 | 0.83 | Clover Health Investments Corp. |
| Gross Profit Margin (TTM) | 15.22% | 16.34% | UnitedHealth Group Incorporated |
| Revenue per Share (TTM) | $4 | $496 | UnitedHealth Group Incorporated |
| Earnings per Share (Diluted) | $-0.17 | $13.24 | UnitedHealth Group Incorporated |
| Beta (Stock Volatility) | 2.25 | 0.41 | UnitedHealth Group Incorporated |
| Short % of Float | 9.37% | 1.86% | UnitedHealth Group Incorporated |
Clover Health Investments Corp. vs UnitedHealth Group Incorporated Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Clover Health Investments Corp. | 1.69% | 22.70% | 38.62% | 144.16% | 83.59% | 99.59% |
| UnitedHealth Group Incorporated | 0.62% | 1.10% | 4.36% | 43.98% | 20.50% | 22.19% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Clover Health Investments Corp. | 64.24% | 425.56% | -60.71% | -53.63% | -53.63% | -53.63% |
| UnitedHealth Group Incorporated | 30.30% | -10.90% | 4.92% | 196.70% | 717.69% | 822.38% |
Performance & Financial Health Analysis: Clover Health Investments Corp. vs UnitedHealth Group Incorporated
| Metric | CLOV | UNH |
|---|---|---|
| Market Information | ||
| Market Cap | $1.26B | $322.34B |
| Market Cap Category | Small cap | Mega cap |
| 10 Day Avg. Volume | 5,270,275 | 9,626,040 |
| 90 Day Avg. Volume | 5,678,468 | 9,353,900 |
| Last Close | $4.81 | $411.04 |
| 52 Week Range | $1.58 - $5.18 | $234.60 - $415.98 |
| % from 52W High | -7.14% | -1.19% |
| All-Time High | $28.85 (Jun 07, 2021) | $630.73 (Nov 11, 2024) |
| % from All-Time High | -83.33% | -34.83% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.45% | 0.02% |
| Quarterly Earnings Growth | 0.45% | 0.00% |
| Financial Health | ||
| Profit Margin (TTM) | -0.04% | 0.03% |
| Operating Margin (TTM) | -0.10% | 0.08% |
| Return on Equity (TTM) | -0.26% | 0.12% |
| Debt to Equity (MRQ) | 0.00 | 73.98 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $0.60 | $103.87 |
| Cash per Share (MRQ) | $0.23 | $34.32 |
| Operating Cash Flow (TTM) | $-66,934,000 | $23.15B |
| Levered Free Cash Flow (TTM) | $-35,821,624 | $17.69B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 3.84% |
| Last 12-Month Dividend | N/A | $10.94 |
Valuation & Enterprise Metrics Analysis: Clover Health Investments Corp. vs UnitedHealth Group Incorporated
| Metric | CLOV (Apr 24, 2026) | UNH (Apr 26, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | -14.09 | 26.81 |
| Forward P/E | 27.78 | 17.17 |
| PEG Ratio | -0.09 | -0.27 |
| Price to Sales (TTM) | 0.68 | 0.72 |
| Price to Book (MRQ) | 4.20 | 3.42 |
| Market Capitalization | ||
| Market Capitalization | $1.26B | $322.34B |
| Enterprise Value | $1.19B | $371.09B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 0.62 | 0.83 |
| Enterprise to EBITDA | -13.96 | 17.29 |
| Risk & Other Metrics | ||
| Beta | 2.25 | 0.41 |
| Book Value per Share (MRQ) | $0.60 | $103.87 |
Financial Statements Comparison: Clover Health Investments Corp. vs UnitedHealth Group Incorporated
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | CLOV (2025) | UNH (2025) |
|---|---|---|
| Revenue/Sales | 1.92B | 447.57B |
| Cost of Goods Sold | 1.57B | 364.65B |
| COGS % of Revenue | 81.5% | 81.5% |
| Gross Profit | 355.90M | 82.92B |
| Gross Margin | 18.5% | 18.5% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | -85.53M | 18.96B |
| Operating Margin | -4.4% | 4.2% |
| EBITDA | -83.84M | 23.33B |
| EBITDA Margin | -4.4% | 5.2% |
| Pre-Tax Income | -85.55M | 14.70B |
| Pre-Tax Income % of Revenue | -4.4% | 3.3% |
| Income Tax | N/A | 1.89B |
| Income Tax % of Revenue | 0.0% | 0.4% |
| Net Income (Profit) | -85.55M | 12.81B |
| Profit Margin | -4.4% | 2.9% |
Balance Sheet & Liquidity Metrics
| Metric | CLOV (2025) | UNH (2025) |
|---|---|---|
| Cash & Equivalents | 78.30M | 24.37B |
| Total Current Assets | 307.86M | 90.58B |
| Total Current Assets % of Revenue | 16.0% | 20.2% |
| Total Current Liabilities | 208.82M | 114.90B |
| Total Current Liabilities % of Revenue | 10.9% | 25.7% |
| Long-Term Debt | N/A | 72.32B |
| Long-Term Debt % of Revenue | 0.0% | 16.2% |
| Total Shareholders Equity | 308.70M | 101.70B |
| Retained Earnings | -2.29B | 95.60B |
| Retained Earnings % of Revenue | -118.9% | 21.4% |
| Property, Plant & Equipment | 113,000 | 0 |
Cash Flow Statement Comparison
| Metric | CLOV (2025) | UNH (2025) |
|---|---|---|
| Operating Cash Flow | -57.89M | 13.61B |
| Operating Cash Flow % of Revenue | -3.0% | 3.0% |
| Capital Expenditures | -2.04M | -3.62B |
| Free Cash Flow | -68.98M | 16.08B |
| FCF Margin | -3.6% | 3.6% |
| Debt Repayment | N/A | -3.05B |
| Common Stock Repurchase | -55.20M | -5.55B |
Short Interest & Institutional Ownership Analysis
| Metric | CLOV | UNH |
|---|---|---|
| Shares Short | 39.12M | 15.18M |
| Short Ratio | 6.96 | 1.68 |
| Short % of Float | 9.37% | 1.86% |
| Shares Outstanding | 519.04M | 905.84M |
| Float Shares | 406.66M | 902.31M |
| % Held by Insiders | 3.25% | 0.81% |
| % Held by Institutions | 29.71% | 83.96% |
| % Held by Public | 67.04% | 15.23% |
Dividend Analysis & Yield Comparison: Clover Health Investments Corp. vs UnitedHealth Group Incorporated
| Metric | CLOV | UNH |
|---|---|---|
| Last 12-Month Dividend | N/A | $10.94 |
| Last 12-Month Dividend Yield | N/A | 3.84% |
| 3-Year Avg Annual Dividend | N/A | $8.25 |
| 3-Year Avg Dividend Yield | N/A | 0.50% |
| 3-Year Total Dividends | N/A | $24.76 |
| Ex-Dividend Date | N/A | Mar 09, 2026 |