Quick Summary — PGNY scores higher on quality with 8.8/10 vs CLOV's 6.8/10. CLOV trades at $3.73 while PGNY trades at $25.12. Both analyzed daily using SEC EDGAR data across 13 institutional models.
PGNY scores higher with a 8.8/10 quality rating vs CLOV's 6.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.
At $3.73, CLOV trades +33.0% above its Bayesian DCF fair value of $2.50, while PGNY at $25.12 trades +13.4% below its estimate of $28.49. CLOV shows a wider gap between price and intrinsic value.
CLOV earns a Quality of Company score of 6.8/10 compared to PGNY's 8.8/10. This moderate difference suggests one company has an edge in fundamental quality, though both may offer investment merit depending on valuation. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.
CLOV carries a SAFE value trap risk (6/100) while PGNY shows SAFE risk (6/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.
Both CLOV and PGNY operate in Healthcare Plans, which has 8 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. 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), and ensemble methods (CUCE).
11 hidden models compare CLOV vs PGNY differently — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more. Some may disagree with the 2 you see above.
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