Is CI or CLOV more undervalued in 2026?

CirclFi compares The Cigna Group (CI) and Clover Health Investments, Corp (CLOV) using 13 institutional-grade valuation models. CI has a Quality of Company score of 8.5/10 while CLOV scores 6.8/10.

Which is a better buy — CI or CLOV?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do CI and CLOV valuations compare?

CI at $284.33 and CLOV at $4.18 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CI vs CLOV Valuation Comparison 2026 — Intrinsic Value Analysis

CI

Healthcare Plans

The Cigna Group

Quality

8.5

out of 10

Value Trap

SAFE

Price

$284.33

Last close

Models

11/13

Active

CLOV

Healthcare Plans

Clover Health Investments, Corp

Quality

6.8

out of 10

Value Trap

SAFE

Price

$4.18

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	CI Fair Value	CI Upside	CLOV Fair Value	CLOV Upside
Bayesian DCF	Intrinsic	$371.86	+30.8%	$2.81	-32.8%
Earnings Power Value	Intrinsic	$297.10	+4.5%	$0.50	-88.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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CI vs CLOV — Which Stock Is More Undervalued?

CI scores higher with a 8.5/10 quality rating vs CLOV's 6.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing The Cigna Group (CI) and Clover Health Investments, Corp (CLOV) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

CI currently trades at $284.33 with a QOC of 8.5/10, while CLOV trades at $4.18 with a QOC of 6.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).