Quick Summary — UNH scores higher on quality with 7.4/10 vs CLOV's 6.8/10. CLOV trades at $3.73 while UNH trades at $377.92. Both analyzed daily using SEC EDGAR data across 13 institutional models.
UNH scores higher with a 7.4/10 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 UNH at $377.92 trades +31.8% above its estimate of $257.59. CLOV shows a wider gap between price and intrinsic value.
CLOV earns a Quality of Company score of 6.8/10 compared to UNH's 7.4/10. The scores are closely matched, indicating similar fundamental quality profiles. 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 UNH shows SAFE risk (24/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.
Both CLOV and UNH 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 UNH differently — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more. Some may disagree with the 2 you see above.
Bloomberg Terminal: ~$2,000/mo · FactSet: ~$1,000/mo · CirclFi: $0.90/day
See All 13 Models — $0.90/dayWe don’t predict prices. We show you what 13 independent mathematical frameworks say a stock is worth — and let you decide.