` Comparison: CLOV, HUM - Alpha Spread

CLOV
vs
HUM

Over the past 12 months, CLOV has underperformed HUM, delivering a return of -22% compared to the HUM's 8% drop.

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CLOV
HUM
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Stocks Compared:
CLOV HUM
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Valuation Comparison

CLOV Intrinsic Value
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HUM Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Clover Health Investments Corp
NASDAQ:CLOV
2.61 USD
Humana Inc
NYSE:HUM
257.85 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
CLOV, HUM

CLOV
HUM
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Clover Health Investments Corp
Revenue
Humana Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CLOV, HUM

CLOV
HUM
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Clover Health Investments Corp
NASDAQ:CLOV
Humana Inc
NYSE:HUM
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CLOV
0%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Clover Health Investments Corp
Humana Inc
Not applicable for financial companies

Operating Margin

CLOV
-2.7%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Clover Health Investments Corp
Humana Inc
Not applicable for financial companies

Net Margin

CLOV
-2.7%
HUM
1%

FCF Margin

CLOV
-3%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Clover Health Investments Corp
Humana Inc
Not applicable for financial companies

ROE

CLOV
-13%
HUM
7.2%

ROA

CLOV
-7%
HUM
2.6%

ROIC

CLOV
-14.4%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Clover Health Investments Corp
Humana Inc
Not applicable for financial companies

ROCE

CLOV
-11.8%
HUM
LTM 3Y Avg 5Y Avg 10Y Avg
Clover Health Investments Corp
Humana Inc
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CLOV, HUM

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CLOV
HUM
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Performance Gap
CLOV, HUM

Performance Gap Between CLOV and HUM
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Performance By Year
CLOV, HUM

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CLOV
HUM
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