CLOV vs UNH
CLOV: Clover Health combines Medicare Advantage insurance with a data-driven, AI-enabled software platform designed to improve primary care outcomes and manage medical costs. UNH: UnitedHealth Group is a leading health care platform combining insurance coverage and clinical services to manage health costs and improve outcomes for millions of members.
Side-by-side fundamentals
| Metric | CLOV | UNH | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $4.58 | $370.95 | |
| Market cap as of 2026-07-31 (share count; price 2026-10-08) | $2.4B | $333.0B | |
| P/E as of 2026-10-08 | n/a | 23.85 | |
| Net margin FY2025, SEC XBRL | -4.4% | +2.7% | UNH higher |
| Gross margin FY2023, SEC XBRL | +20.4% | n/a | |
| Operating margin FY2025, SEC XBRL | -4.4% | +4.2% | UNH higher |
| ROE FY2025, SEC XBRL | -27.7% | +12.0% | UNH higher |
| ROA FY2025, SEC XBRL | -15.8% | +3.9% | UNH higher |
| Debt / equity as of 2026-09-03 | 0.00 | 0.70 | CLOV lower |
| Revenue growth (YoY) as of 2026-09-03 | +48.8% | +6.5% | CLOV higher |
| Revenue CAGR (3y) SEC XBRL | +20.6% | +11.4% | CLOV higher |
| Dividend yield as of 2026-09-02 | n/a | +2.5% | |
| Dividend streak (yrs) SEC XBRL | n/a | 1 | |
| Beta as of 2026-09-03 | 0.89 | 0.32 | |
| 1-year return as of 2026-10-08 close | +64.7% | +0.3% | CLOV higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.