Clover Health Investments, Corp vs UnitedHealth Group Incorporated — Stock Comparison

Clover Health Investments, Corp (CLOV) and UnitedHealth Group Incorporated (UNH) are both listed on US exchanges. This page compares their Q·Score ratings, key fundamentals (P/E, margins, growth), and Wall Street analyst consensus side by side. Data sourced from Yahoo Finance and updated on each page load.

Q·Score Winner
UnitedHealth Group Incorporated
UNH6.1/10vs 4.5/10

UnitedHealth Group Incorporated clearly outscores Clover Health Investments, Corp on Q·Score (6.1 vs 4.5 out of 10), led by Sentiment (8.1 vs 4.1) and Valuation (6.5 vs 2.9). Clover Health Investments, Corp scores higher on Growth, reflecting stronger revenue and earnings momentum. Analyst consensus targets imply greater upside for UNH (+2.2%) than for CLOV (-17.0%).

Price Performance

Normalised to 100 at period start — shows relative performance.

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CLOVUNH

Q·Score Breakdown

4.5
Bearish
Overall
6.1
Neutral
3.1
Quality
5.9
5.5
Health
5.3
6.9
Growth
5.1
2.9
Valuation
6.5
4.1
Sentiment
8.1
CLOV

Revenue expanding at 62% year-over-year.

consensus analyst target is below current price.

UNH

82% of 28 covering analysts have a positive rating.

limited growth momentum.

Analyst Consensus

Neutral
-17.0%
Target $4.15
3 analysts
Bullish
+2.2%
Target $409.77
26 analysts

Fundamentals

CLOV
UNH
Trailing P/E
30.2×
50.0×
Forward P/E
19.2×
-2.58%
Profit Margin
2.68%
18.36%
Gross Margin
18.80%
-16.86%
ROE
12.18%
62.00%
Revenue Growth
2.00%
Earnings Growth
0.70%
2.48
Beta
0.65
$2.6B
Market Cap
$364.1B
52-Week Range
CLOV
$295% of range$5
UNH
$23592% of range$416

Frequently Asked Questions

CLOV vs UNH: which stock scores better overall?

Based on Q·Score, UnitedHealth Group Incorporated (UNH) scores 6.1/10 versus Clover Health Investments, Corp (CLOV) at 4.5/10. The Q·Score measures five dimensions: Quality, Health, Growth, Valuation, and Sentiment. For informational purposes only — not financial advice.

Which has better revenue growth: CLOV or UNH?

Clover Health Investments, Corp (CLOV) scores higher on Growth (6.9/10 vs 5.1/10). Clover Health Investments, Corp reports revenue growth (62.0% YoY) while UnitedHealth Group Incorporated reports (2.0% YoY). Growth scores reflect revenue and earnings momentum relative to sector peers.

Is CLOV or UNH more attractively valued?

UnitedHealth Group Incorporated (UNH) scores higher on Valuation (6.5/10 vs 2.9/10). CLOV trades at 50.0× P/E versus UNH at 19.2×. Valuation is assessed using P/E ratio, analyst price targets, and 52-week range positioning relative to sector peers.

What do analysts say about CLOV vs UNH?

There are 3 analysts covering CLOV with a consensus price target of $4.15, and 26 analysts covering UNH with a consensus target of $409.77. Analyst consensus ratings are aggregated from Wall Street research and do not constitute investment advice.

Which is more profitable: CLOV or UNH?

UnitedHealth Group Incorporated (UNH) scores higher on Quality (5.9/10 vs 3.1/10). Net profit margin: CLOV at -2.6%, UNH at 2.7%. Quality scores reflect profit margins, return on equity, and free cash flow generation.

Which has stronger financial health: CLOV or UNH?

Clover Health Investments, Corp (CLOV) scores higher on Financial Health (5.5/10 vs 5.3/10). Market beta: CLOV at 2.48, UNH at 0.65. Health scores consider beta, debt-to-equity, and current ratio. All investments carry risk — this is not investment advice.

What are the market caps of CLOV and UNH?

Clover Health Investments, Corp (CLOV) has a market capitalisation of $2.6B, while UnitedHealth Group Incorporated (UNH) has a market cap of $364.1B. Market cap data is sourced from Yahoo Finance and reflects the most recent available figures.

Q·Score is an educational tool and is not financial advice. Data provided by Yahoo Finance. Updated on each page load. How it's calculated →

Data provided by Yahoo Finance ·  Updated on each page load ·  For informational purposes only · Not financial advice · Quantify.biz © 2026