Clover Health Investments vs Trupanion
CLOV and TRUP side by side, both in accident and health insurance and medical. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CLOV and TRUP compare
Clover Health Investments is the larger company, worth 1.8 times as much as Trupanion ($2.6B against $1.5B).
On earnings, Trupanion is cheaper: it trades at 56.3× trailing earnings, against 497× for Clover Health Investments.
Clover Health Investments grew revenue faster over the last twelve months (54.5% versus 11.4% for Trupanion).
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CLOV | TRUP |
|---|---|---|
| Size and price | ||
| Market cap | $2.6B | $1.5B |
| Share price | $4.97 | $34.36 |
| Change, 1 year | 91.2% | −12.6% |
| Change, 5 years | −13.6% | −74.8% |
| Beta (5Y) | 1.66 | 1.84 |
| Employees | 724 | 1,121 |
| StockData Score | ||
| Total score | 6 | 6 |
| Valuation score | 0 | 0 |
| Growth score | 3 | 3 |
| Performance score | 2 (better) | 0 |
| Health score | 1 | 3 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 497× | 56.3× (better) |
| P/S | 1.0× (better) | 1.0× |
| P/B | 6.8× | 3.8× (better) |
| EV/EBITDA | 182× | 28.2× (better) |
| P/FCF | 20.0× | 17.4× (better) |
| FCF yield | 5.0% | 5.8% (better) |
| Fair value | – | $22.86 |
| Margin of safety | – | −50.3% |
| Growth | ||
| Revenue growth (TTM) | 54.5% (better) | 11.4% |
| Revenue growth, 5Y average | 23.4% | 23.4% (better) |
| EPS growth (TTM) | – | 69.4% |
| Profitability | ||
| Gross margin | – | 16.7% |
| Operating margin | 0.45% | 1.8% (better) |
| Net margin | 0.45% | – |
| FCF margin | 4.8% | 5.6% (better) |
| Return on equity | 3.4% | – |
| Return on invested capital | 9.6% | 23.9% (better) |
| Financial health | ||
| Debt / equity | – | 0.26 |
| Net debt / EBITDA | – | −6.79 |
| Interest coverage | – | 2.9× |
| Current ratio | 1.55 | 1.74 (better) |
| Altman Z-score | 4.22 (better) | 3.64 |
| Piotroski F-score | 3 | – |
| Dividends and buybacks | ||
| Buyback yield | 0.00% | – |
| Shareholder yield | 0.00% | 0.00% |
| Ownership | ||
| Held by institutions | 27.5% | 77.1% |
| Held by insiders | 23.5% | 5.9% |
| Insider net buying, 12 months | −$8.7M | −$1.8M (better) |
| Short interest, % of float | 5.7% | 9.5% |
Go deeper
- CLOV stock overview
- CLOV income statement
- CLOV valuation and score
- TRUP stock overview
- TRUP income statement
- TRUP valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.