Is CLOV or ELV more undervalued in 2026?

CirclFi compares Clover Health Investments, Corp (CLOV) and Elevance Health, Inc. (ELV) using 13 institutional-grade valuation models. CLOV has a Quality of Company score of 6.8/10 while ELV scores 9.2/10.

Which is a better buy — CLOV or ELV?

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 CLOV and ELV valuations compare?

CLOV at $4.18 and ELV at $392.75 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CLOV vs ELV Valuation Comparison 2026 — Intrinsic Value Analysis

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

ELV

Healthcare Plans

Elevance Health, Inc.

Quality

9.2

out of 10

Value Trap

—

Price

$392.75

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	CLOV Fair Value	CLOV Upside	ELV Fair Value	ELV Upside
Bayesian DCF	Intrinsic	$2.81	-32.8%	$268.95	-31.5%
Earnings Power Value	Intrinsic	$0.50	-88.1%	$197.44	-49.7%
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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CLOV vs ELV — Which Stock Is More Undervalued?

ELV scores higher with a 9.2/10 quality rating vs CLOV's 6.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Clover Health Investments, Corp (CLOV) and Elevance Health, Inc. (ELV) 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.

CLOV currently trades at $4.18 with a QOC of 6.8/10, while ELV trades at $392.75 with a QOC of 9.2/10.

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).