Clover Health Investments vs CNO Financial
CLOV and CNO 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 CNO compare
CNO Financial is the larger company, worth 2.0 times as much as Clover Health Investments ($5.4B against $2.6B).
On earnings, CNO Financial is cheaper: it trades at 13.2× trailing earnings, against 497× for Clover Health Investments.
Clover Health Investments grew revenue faster over the last twelve months (54.5% versus 2.3% for CNO Financial).
CNO Financial keeps more of each dollar of sales as profit, with a net margin of 9.2% compared with 0.45% at Clover Health Investments.
CNO Financial pays a dividend yielding 1.2%; Clover Health Investments does not pay one.
CNO Financial scores higher on the StockData Score (9 against 6 for Clover Health Investments), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CLOV | CNO |
|---|---|---|
| Size and price | ||
| Market cap | $2.6B | $5.4B |
| Share price | $4.97 | $57.93 |
| Change, 1 year | 91.2% | 41.6% |
| Change, 5 years | −13.6% | 142% |
| Beta (5Y) | 1.66 | 0.87 |
| Employees | 724 | 3,300 |
| StockData Score | ||
| Total score | 6 | 9 (better) |
| Valuation score | 0 | 1 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 2 | 4 (better) |
| Health score | 1 (better) | 0 |
| Dividend score | 0 | 3 (better) |
| Valuation | ||
| P/E | 497× | 13.2× (better) |
| P/S | 1.0× (better) | 1.2× |
| P/B | 6.8× | 2.3× (better) |
| EV/EBITDA | 182× | 3.9× (better) |
| P/FCF | 20.0× | – |
| FCF yield | 5.0% | – |
| Fair value | – | $57.48 |
| Margin of safety | – | −0.78% |
| Growth | ||
| Revenue growth (TTM) | 54.5% (better) | 2.3% |
| Revenue growth, 5Y average | 23.4% (better) | 3.3% |
| Net income growth (TTM) | – | 30.8% |
| EPS growth (TTM) | – | 41.3% |
| EPS growth, 5Y average | – | 1.7% |
| Profitability | ||
| Operating margin | 0.45% | 14.8% (better) |
| Net margin | 0.45% | 9.2% (better) |
| FCF margin | 4.8% | – |
| Return on equity | 3.4% | 16.9% (better) |
| Return on invested capital | 9.6% | 45.4% (better) |
| Financial health | ||
| Interest coverage | – | 3.1× |
| Current ratio | 1.55 | – |
| Altman Z-score | 4.22 (better) | 0.36 |
| Piotroski F-score | 3 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | – | 1.2% |
| Payout ratio | – | 15.9% |
| Years of dividend growth | – | 13 |
| Dividend growth, 5Y average | – | 7.3% |
| Buyback yield | 0.00% | 4.5% (better) |
| Shareholder yield | 0.00% | 5.7% (better) |
| Ownership | ||
| Held by institutions | 27.5% | 95.8% |
| Held by insiders | 23.5% | 3.4% |
| Insider net buying, 12 months | −$8.7M (better) | −$18.4M |
| Short interest, % of float | 5.7% | 2.9% |
Go deeper
- CLOV stock overview
- CLOV income statement
- CLOV valuation and score
- CNO stock overview
- CNO income statement
- CNO valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.