CLOV
Clover Health Investments, Corp.
CLOV's outlook is improving, though it still trails on the overall score.
LLY
Eli Lilly and Company
LLY has the edge over CLOV overall, supported by lower modeled downside and stronger valuation.
CLOV Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Healthy | |
| Strong |
CLOV's revenue, profitability, cash flow and balance sheet are all currently healthy.
LLY Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Healthy |
LLY's revenue, profitability, cash flow and balance sheet are all currently healthy.
CLOV PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 61x | $4.88 | — |
| Cheap | 483x | $4.83 | -1% |
| Fair | 485x | $4.85 | -0.6% |
| Expensive | 487x | $4.87 | -0.2% |
| Current | 488x | $4.88 | — |
Historical ranges are pointers, not guarantees.
CLOV has the edge over LLY in the historical PE scenario, which offers more potential upside but is not a forecast.
LLY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 27x | $845 | -41% |
| Forward | 30x | $1,427 | — |
| Current | 46x | $1,427 | — |
| Fair | 48x | $1,466 | +2.7% |
| Expensive | 85x | $2,612 | +83% |
Historical ranges are pointers, not guarantees.
LLY's PE is in its fair range at 46x. If earnings grow as analysts expect, today's price would be 30x next year's earnings, in its cheap range.
CLOV Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for CLOV, with profitability improving.
LLY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for LLY, with profitability improving.
CLOV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.08 | +702% |
| Q3 2026 | $0.01 | +$0.12 |
| Q2 2026 | -$0.05 | +$0.03 |
| Q1 2026 | -$0.12 | -$0.07 |
| Q4 2025 | -$0.17 | -$0.08 |
| Q3 2025 | -$0.11 | +$0.07 |
| Q2 2025 | -$0.08 | +$0.17 |
| Q1 2025 | -$0.05 | +$0.28 |
| Q4 2024 | -$0.09 | +$0.35 |
CLOV has returned to profit: it earned $0.01 per share over the past year, after losing money the year before.
LLY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $46.83 | +52% |
| Q3 2026 | $30.81 | +51% |
| Q2 2026 | $29.80 | +95% |
| Q1 2026 | $28.15 | +129% |
| Q4 2025 | $22.95 | +96% |
| Q3 2025 | $20.44 | +121% |
| Q2 2025 | $15.30 | +88% |
| Q1 2025 | $12.29 | +81% |
| Q4 2024 | $11.71 | +102% |
LLY has the edge over CLOV on earnings, with more consistent year-over-year improvement.
CLOV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $759.3M | +53% |
| Q2 2026 | $743.2M | +56% |
| Q1 2026 | $749.2M | +62% |
| Q4 2025 | $487.7M | +45% |
| Q3 2025 | $496.7M | +50% |
| Q2 2025 | $477.6M | +34% |
| Q1 2025 | $462.3M | +33% |
| Q4 2024 | $337M | -34% |
CLOV's revenue is recovering but still below its 2022 peak: $759M last quarter, up 53% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.8% | +5.8 points |
| Q2 2026 | 3.8% | +6 points |
| Q1 2026 | 3.6% | +3.9 points |
| Q4 2025 | -10% | -3.7 points |
| Q3 2025 | -4.9% | -2.3 points |
| Q2 2025 | -2.2% | -4.2 points |
| Q1 2025 | -0.3% | +6.3 points |
| Q4 2024 | -6.4% | +6.5 points |
CLOV's operating margin was 0.8% last quarter, up 5.8 points from the same quarter a year ago.
LLY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $24.4B | +39% |
| Q2 2026 | $23B | +48% |
| Q1 2026 | $19.8B | +56% |
| Q4 2025 | $19.3B | +43% |
| Q3 2025 | $17.6B | +54% |
| Q2 2025 | $15.6B | +38% |
| Q1 2025 | $12.7B | +45% |
| Q4 2024 | $13.5B | +45% |
LLY's revenue has grown year over year for 14 quarters in a row: $24.4B last quarter, up 39% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 34% | -6.6 points |
| Q2 2026 | 40% | -3.3 points |
| Q1 2026 | 45% | +18 points |
| Q4 2025 | 43% | +5.6 points |
| Q3 2025 | 41% | +27 points |
| Q2 2025 | 44% | +12 points |
| Q1 2025 | 27% | -1.8 points |
| Q4 2024 | 37% | +10 points |
LLY has the edge over CLOV on profitability, with a higher operating margin.
CLOV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $69.5M | +509% |
| Q2 2026 | $24.5M | +406% |
| Q1 2026 | $107M | +$123.5M |
| Q4 2025 | -$68.7M | +$17.4M |
| Q3 2025 | $11.4M | -77% |
| Q2 2025 | $4.8M | -89% |
| Q1 2025 | -$16.5M | -165% |
| Q4 2024 | -$86.1M | +$142.9M |
CLOV's free cash flow has turned positive again: $132M over the past year, against −$86M the year before.
LLY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $8.2B | +22% |
| Q2 2026 | $7.8B | +458% |
| Q1 2026 | $3B | +1826% |
| Q4 2025 | $677.9M | -31% |
| Q3 2025 | $6.7B | +186% |
| Q2 2025 | $1.4B | +476% |
| Q1 2025 | $156.1M | -13% |
| Q4 2024 | $977.8M | +$2.4B |
LLY has the edge over CLOV on cash flow, with more consistent year-over-year improvement.
CLOV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +2.2% | +12M shares |
| 1 year | +8.7% | +44.7M shares |
| 3 years | +16% | +76.7M shares |
| 5 years | +34% | +143M shares |
CLOV has 557M diluted shares, up 8.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | $1,000 |
| Q2 2025 | — |
| Q1 2025 | $18.3M |
| Q4 2024 | — |
CLOV hasn't bought back shares in the past year.
LLY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -300K shares |
| 1 year | -0.6% | -5.4M shares |
| 3 years | -0.7% | -6.4M shares |
| 5 years | -1.9% | -17.4M shares |
| Available history | -4.5% | -42.3M shares |
LLY has the edge over CLOV on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $377M |
| Q2 2026 | $1.6B |
| Q1 2026 | $2.4B |
| Q4 2025 | $1.5B |
| Q3 2025 | $708.1M |
| Q2 2025 | $692.2M |
| Q1 2025 | $1.2B |
| Q4 2024 | $2.1B |
LLY spent $5.8B buying back its own shares over the past year, up 26% from the year before.
CLOV Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -18.4x | Net Cash |
CLOV has the edge over LLY on leverage, with a lower net debt burden relative to earnings.
LLY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.2x | Healthy |
| Q2 2026 | 1.3x | Healthy |
| Q1 2026 | 1.2x | Healthy |
| Q4 2025 | 1.3x | Healthy |
| Q3 2025 | 1.3x | Healthy |
| Q2 2025 | 2.0x | Healthy |
| Q1 2025 | 2.3x | Moderate |
| Q4 2024 | 2.1x | Moderate |
LLY's net debt is about 1.2 years of its operating earnings (EBITDA), about the same as a year ago.
CLOV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.6 | Neutral |
| Stochastic | 56.9 | Neutral |
CLOV's weekly RSI is 60 (neutral) and its Stochastic is 57 (neutral).
LLY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.3 | Neutral |
| Stochastic | 84.1 | Overbought |
LLY's weekly RSI is 68 (neutral) and its Stochastic is 84 (overbought).
CLOV PE vs Healthcare Sector
LLY PE vs Healthcare Sector
| Metric | LLY | Sector median | Relative |
|---|---|---|---|
| PE | 46x | 26x | 79% above |
| PE % | 48 | 29 | 19 pts above |
LLY is trading at 46x earnings, a 79% premium to the Healthcare sector's median of 26x.
CLOV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.61 | 5.9% above |
| 20 week MA | $4.55 | 7.3% above |
| 50 week MA | $3.47 | 41% above |
| 100 week MA | $3.36 | 45% above |
| 200 week MA | $2.41 | 102% above |
CLOV is in an uptrend: it's above all five of its weekly moving averages, and 102% above its 200-week average.
LLY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,279.4 | 12% above |
| 20 week MA | $1,218.8 | 17% above |
| 50 week MA | $1,102.2 | 29% above |
| 100 week MA | $954.1 | 50% above |
| 200 week MA | $797.5 | 79% above |
LLY is in an uptrend: it's above all five of its weekly moving averages, and 79% above its 200-week average.
CLOV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.2 | $14.9 | +46% |
| 2021 | $14.9 | $4.20 | -72% |
| 2022 | $4.20 | $0.92 | -78% |
| 2023 | $0.92 | $0.95 | +3.3% |
| 2024 | $0.95 | $3.26 | +243% |
| 2025 | $3.26 | $2.51 | -23% |
| 2026 YTD | $2.51 | $4.88 | +94% |
CLOV has the edge over LLY on returns for 2026, with the stronger performance.
LLY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $131.5 | $166.7 | +27% |
| 2021 | $166.7 | $273.1 | +64% |
| 2022 | $273.1 | $367.9 | +35% |
| 2023 | $367.9 | $582.9 | +58% |
| 2024 | $582.9 | $783.2 | +34% |
| 2025 | $783.2 | $1,077.8 | +38% |
| 2026 YTD | $1,077.8 | $1,427.3 | +32% |
LLY has finished every year since 2020 higher, and it's up 32% so far in 2026.