Clover Health Investments, Corp. (CLOV) vs Humana Inc. (HUM)
- Clover Health Investments, Corp. CLOV 4.48 −4.27%
- Humana Inc. HUM 413.16 −4.41%
Clover Health Investments, Corp. and Humana Inc. are both Healthcare Plans companies. Humana Inc. is the larger, with a market value of $51.9B against $2.5B — 20.8× the size. Clover Health Investments, Corp. has negative trailing earnings, so its P/E is not meaningful; Humana Inc. trades at 38.8×. Clover Health Investments, Corp. grew revenue faster over the last twelve months: 54.0% against 18.3%. Humana Inc. has the higher net margin (0.88% vs −0.74%) and the higher return on invested capital (17.5% vs −8.62%). Across the 20 metrics below, Humana Inc. leads on 14 and Clover Health Investments, Corp. on 6.
Valuation
Profitability
| Metric | CLOV | HUM | Healthcare Plans median |
|---|---|---|---|
| Gross margin | 18.57% | 13.65% | 19.37% |
| Operating margin | (0.74%) | 1.86% | 1.93% |
| Net margin | (0.74%) | 0.88% | 1.04% |
| Free cash flow margin | 3.00% | 1.35% | 3.18% |
| Return on equity | (5.10%) | 6.81% | 8.99% |
| Return on assets | (2.84%) | 2.38% | 2.98% |
| Return on invested capital | (8.62%) | 17.52% | 2.04% |
Growth
Health
Dividend
Size
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