CLOV vs SPNS

Comparison between Clover Health Investments Corp - Class A (CLOV, Company) and Sapiens International Corp NV (SPNS, Company).

CLOV is from the Healthcare sector, while SPNS is from the Technology sector.

5-Year PerformanceSPNS has outperformed CLOV, delivering a return of +11.4% compared to -10.8%

CLOV vs SPNS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CLOV(COMPANY)	SPNS(COMPANY)
Market Cap	$2.44B	$2.43B
Max Drawdown	97.19%	99.28%
Sharpe Ratio	0.79	1.03
5Y Beta	0.93	N/A
Industry	Healthcare Plans	Software - Application
P/E Ratio	-251.89	33.64
Forward P/E	81.97	29.59
PEG Ratio	N/A	2.20
Dividend Yield	N/A	1.38%
5Y Dividends CAGR	N/A	33.99%
5Y EPS CAGR	N/A	19.81%
Debt to Equity	0.00%	8.25%
Free Cash Flow Yield	2.24%	3.27%
P/S Ratio	1.11	N/A
P/B Ratio	7.42	N/A

Market Cap

Winner

CLOV

$2.44B

SPNS

$2.43B

Max Drawdown

Winner

CLOV

97.19%

SPNS

99.28%

Sharpe Ratio

CLOV

0.79

Winner

SPNS

1.03

5Y Beta

CLOV

0.93

SPNS

N/A

Industry

CLOV

Healthcare Plans

SPNS

Software - Application

P/E Ratio

Winner

CLOV

-251.89

SPNS

33.64

Forward P/E

CLOV

81.97

Winner

SPNS

29.59

PEG Ratio

CLOV

N/A

SPNS

2.20

Dividend Yield

CLOV

N/A

SPNS

1.38%

5Y Dividends CAGR

CLOV

N/A

SPNS

33.99%

5Y EPS CAGR

CLOV

N/A

SPNS

19.81%

Debt to Equity

Winner

CLOV

0.00%

SPNS

8.25%

Free Cash Flow Yield

CLOV

2.24%

Winner

SPNS

3.27%

P/S Ratio

CLOV

1.11

SPNS

N/A

P/B Ratio

CLOV

7.42

SPNS

N/A

CLOV vs SPNS - Historical Returns

Returns include dividend reinvestment.

Period	CLOV	SPNS
1 month	-10.08%	+0.72%
3 months	+89.58%	+1.02%
6 months	+75.68%	+53.10%
1 year	+33.43%	+56.07%
5 years(CAGR)	-10.79%	+11.44%
10 years(CAGR)	N/A	+17.93%
Max(CAGR)	-12.37%	+0.62%

CLOV

-10.08%

Winner

SPNS

+0.72%

Winner

CLOV

+89.58%

SPNS

+1.02%

Winner

CLOV

+75.68%

SPNS

+53.10%

CLOV

+33.43%

Winner

SPNS

+56.07%

5Y(CAGR)

CLOV

-10.79%

Winner

SPNS

+11.44%

10Y(CAGR)

CLOV

N/A

SPNS

+17.93%

Max(CAGR)

CLOV

-12.37%

Winner

SPNS

+0.62%

CLOV vs SPNS - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CLOV	SPNS
2026	+88.80%	N/A
2025	-24.92%	+71.02%
2024	+228.19%	-2.56%
2023	+0.05%	+56.77%
2022	-77.05%	-45.70%
2021	-76.17%	+15.44%
2020	+64.41%	+31.91%
2019	N/A	+112.34%
2018	N/A	-6.92%
2017	N/A	-20.24%
2016	N/A	+42.15%
2015	N/A	+45.61%
2014	N/A	-2.12%
2013	N/A	+96.82%
2012	N/A	+6.38%
2011	N/A	+62.07%
2010	N/A	+55.41%
2009	N/A	-20.41%
2008	N/A	+44.01%
2007	N/A	-10.74%
2006	N/A	-2.60%
2005	N/A	-42.75%
2004	N/A	-31.49%
2003	N/A	-11.24%
2002	N/A	-11.76%
2001	N/A	-11.76%
2000	N/A	-93.16%
1999	N/A	+73.05%

CLOV vs SPNS Drawdown Comparison

The maximum drawdown for CLOV was -97.19%, occurring on Apr 17, 2024. This drawdown has not yet recovered.

The maximum drawdown for SPNS was -99.28%, occurring on Mar 5, 2009. This drawdown has not yet recovered.

The current CLOV drawdown is -79.46%. The current SPNS drawdown is -47.10%.

Rank	CLOV	SPNS
#1	-97.19% Jun 8, 2021 - Apr 17, 2024	-99.28% Jan 24, 2000 - Mar 5, 2009
#2	-60.05% Dec 28, 2020 - Jun 8, 2021	-18.64% Dec 27, 1999 - Jan 14, 2000
#3	-24.35% Sep 29, 2020 - Dec 21, 2020	-13.43% Dec 13, 1999 - Dec 27, 1999
#4	-7.48% Jul 10, 2020 - Sep 11, 2020	-6.60% Nov 9, 1999 - Nov 26, 1999
#5	-7.25% Sep 18, 2020 - Sep 29, 2020	-5.26% Nov 1, 1999 - Nov 8, 1999
#6	-3.22% Jun 30, 2020 - Jul 10, 2020	-4.54% Nov 30, 1999 - Dec 7, 1999
#7	-1.26% Jun 23, 2020 - Jun 30, 2020	-4.13% Dec 9, 1999 - Dec 13, 1999