CLOV
Clover Health Investments, Corp.
CLOV has slightly lower modeled downside risk, despite its lower overall score.
OSCR
Oscar Health, Inc.
OSCR has the edge over CLOV overall, supported by stronger fundamentals and stronger modeled upside.
CLOV Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Healthy | |
| Strong |
CLOV's revenue, profitability, cash flow and balance sheet are all currently healthy.
OSCR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| Strong | |
| Strong |
OSCR'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 OSCR in the historical PE scenario, which offers more potential upside but is not a forecast.
OSCR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 12x | $31.94 | — |
| Current | 13x | $31.94 | — |
| Cheap | 21x | $52.73 | +65% |
| Fair | 35x | $87.23 | +173% |
| Expensive | 130x | $322 | +907% |
Historical ranges are pointers, not guarantees.
OSCR's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
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.
OSCR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for OSCR, 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 the edge over OSCR on earnings, with more consistent year-over-year improvement.
OSCR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.61 | +5.6% |
| Q3 2026 | $2.47 | +$3.47 |
| Q2 2026 | $1.45 | +$2.14 |
| Q1 2026 | -$0.54 | -235% |
| Q4 2025 | -$1.69 | -1790% |
| Q3 2025 | -$1.00 | -$0.92 |
| Q2 2025 | -$0.69 | -$0.54 |
| Q1 2025 | $0.40 | +$0.82 |
| Q4 2024 | $0.10 | +$1.32 |
OSCR has returned to profit: it earned $2.47 per share over the past year, after losing money the year before.
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.
OSCR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $5.1B | +72% |
| Q2 2026 | $4.9B | +70% |
| Q1 2026 | $4.6B | +53% |
| Q4 2025 | $2.8B | +17% |
| Q3 2025 | $3B | +23% |
| Q2 2025 | $2.9B | +29% |
| Q1 2025 | $3B | +42% |
| Q4 2024 | $2.4B | +67% |
OSCR has the edge over CLOV on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 3.5% | +7.8 points |
| Q2 2026 | 8% | +16 points |
| Q1 2026 | 15% | +5.4 points |
| Q4 2025 | -12% | -5.7 points |
| Q3 2025 | -4.3% | -2.3 points |
| Q2 2025 | -8.1% | -11 points |
| Q1 2025 | 9.8% | +1.1 points |
| Q4 2024 | -6.2% | +4 points |
OSCR 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.
OSCR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.2B | -$238.2M |
| Q2 2026 | $2.1B | +316% |
| Q1 2026 | $2.6B | +200% |
| Q4 2025 | $662.8M | +95% |
| Q3 2025 | -$973.7M | -$466M |
| Q2 2025 | $499.8M | +2.1% |
| Q1 2025 | $869.5M | +38% |
| Q4 2024 | $340M | +17% |
OSCR 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 the edge over OSCR on shareholder dilution, with a more favorable share count trend.
| 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.
OSCR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.9% | +13M shares |
| 1 year | +34% | +87.2M shares |
| 3 years | +55% | +123M shares |
| 5 years | +66% | +138M shares |
| Available history | +71% | +143M shares |
OSCR has 346M diluted shares, up 34% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
CLOV Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -18.4x | Net Cash |
CLOV has the edge over OSCR on leverage, with a lower net debt burden relative to earnings.
OSCR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -4.2x | Net Cash |
| Q2 2026 | -5.5x | Net Cash |
| Q1 2026 | -110.0x | Net Cash |
| Q1 2025 | -9.7x | Net Cash |
| Q4 2024 | -13.7x | Net Cash |
| Q3 2024 | -10.1x | Net Cash |
| Q2 2024 | -24.0x | Net Cash |
| Q1 2024 | -217.7x | Net Cash |
OSCR has more cash than debt.
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).
OSCR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.7 | Neutral |
| Stochastic | 44.9 | Neutral |
OSCR's weekly RSI is 59 (neutral) and its Stochastic is 45 (neutral).
CLOV PE vs Healthcare Sector
OSCR PE vs Healthcare Sector
| Metric | OSCR | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 26x | 50% below |
| PE % | 3 | 35 | 32 pts below |
OSCR is trading at 13x earnings, a 50% discount to the Healthcare sector's median of 26x, though its earnings don't support one.
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.
OSCR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $31.2 | 2.3% above |
| 20 week MA | $31.1 | 2.8% above |
| 50 week MA | $22.9 | 39% above |
| 100 week MA | $19.3 | 65% above |
| 200 week MA | $15.5 | 106% above |
OSCR is in an uptrend: it's above all five of its weekly moving averages, and 106% 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's yearly returns have swung widely, from +243% in 2024 to −78% in 2022. It's up 94% so far in 2026.
OSCR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $31.0 | $8.02 | -74% |
| 2022 | $8.02 | $2.21 | -72% |
| 2023 | $2.21 | $9.15 | +314% |
| 2024 | $9.15 | $13.8 | +51% |
| 2025 | $13.8 | $14.9 | +8% |
| 2026 YTD | $14.9 | $31.9 | +114% |
OSCR has the edge over CLOV on returns for 2026, with the stronger performance.