CLOV vs UNH
CLOV: Clover Health combines Medicare Advantage insurance with a proprietary, AI-driven clinical decision-support platform designed to improve health outcomes and manage costs for Medicare beneficiaries. UNH: UnitedHealth Group is a diversified health care company operating through two complementary businesses—Optum (healthcare services, pharmacy, data/analytics) and UnitedHealthcare (health insurance plans)—that serve patients, payers, providers, and employers across the entire care continuum.
Side-by-side fundamentals
| Metric | CLOV | UNH | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $4.67 | $431.31 | |
| Market cap as of 2026-07-23 | $2.5B | $394.5B | |
| P/E as of 2026-07-23 | n/a | 27.93 | |
| PEG as of 2026-07-23 | -0.35 | 4.05 | CLOV lower |
| Net margin as of 2026-07-23 | -2.6% | +3.1% | UNH higher |
| Operating margin as of 2026-07-23 | -2.6% | +4.7% | UNH higher |
| ROE as of 2026-07-23 | -17.1% | +14.4% | UNH higher |
| ROA as of 2026-07-23 | -9.6% | +4.5% | UNH higher |
| Debt / equity as of 2026-07-23 | 0.00 | 0.70 | CLOV lower |
| Revenue growth (YoY) as of 2026-07-23 | +48.8% | +6.5% | CLOV higher |
| Revenue CAGR (3y) SEC XBRL | +20.6% | +11.4% | CLOV higher |
| Dividend yield as of 2026-07-23 | n/a | +2.2% | |
| Dividend streak (yrs) SEC XBRL | n/a | 1 | |
| Beta as of 2026-07-23 | 2.52 | 0.63 | |
| 1-year return as of 2026-07-22 close | +45.0% | +51.3% | UNH higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.