Clover Health Investments, Corp. (CLOV) vs UnitedHealth Group Incorporated (UNH)
Clover Health Investments, Corp. and UnitedHealth Group Incorporated are both Healthcare Plans companies. UnitedHealth Group Incorporated is the larger, with a market value of $336.8B against $2.5B — 135.8× the size. Clover Health Investments, Corp. has negative trailing earnings, so its P/E is not meaningful; UnitedHealth Group Incorporated trades at 24.2×. Clover Health Investments, Corp. grew revenue faster over the last twelve months: 54.0% against 6.46%. UnitedHealth Group Incorporated has the higher net margin (3.14% vs −0.74%) and the higher return on invested capital (9.50% vs −8.62%). Across the 20 metrics below, UnitedHealth Group Incorporated leads on 14 and Clover Health Investments, Corp. on 6.
Valuation
Profitability
| Metric | CLOV | UNH | Healthcare Plans median |
|---|---|---|---|
| Gross margin | 18.57% | 19.51% | 19.04% |
| Operating margin | (0.74%) | 4.82% | 1.93% |
| Net margin | (0.74%) | 3.14% | 1.04% |
| Free cash flow margin | 3.00% | 5.25% | 3.18% |
| Return on equity | (5.10%) | 13.78% | 12.48% |
| Return on assets | (2.84%) | 4.57% | 2.98% |
| Return on invested capital | (8.62%) | 9.50% | 2.04% |
Growth
Health
Dividend
Size
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