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PFAI vs CLOV
Revenue, margins, valuation, and 5-year total return — side by side.
Medical - Healthcare Plans
PFAI vs CLOV — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Home Improvement | Medical - Healthcare Plans |
| Market Cap | $29M | $1.37B |
| Revenue (TTM) | $3M | $2.21B |
| Net Income (TTM) | $286K | $-57M |
| Gross Margin | 47.3% | 42.5% |
| Operating Margin | 18.7% | -2.6% |
| Forward P/E | 177.3x | 62.6x |
| Total Debt | $163K | $0.00 |
| Cash & Equiv. | $686K | $78M |
PFAI vs CLOV — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Apr 25 | May 26 | Return |
|---|---|---|---|
| Pinnacle Food Group… (PFAI) | 100 | 117.6 | +17.6% |
| Clover Health Inves… (CLOV) | 100 | 78.8 | -21.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PFAI vs CLOV
Each card shows where this stock fits in a portfolio — not just who wins on paper.
PFAI carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- beta 0.53
- Rev growth 56.6%, EPS growth -63.7%
- -6.5% 10Y total return vs CLOV's -73.7%
CLOV is the clearest fit if your priority is value.
- Lower P/E (62.6x vs 177.3x)
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 56.6% revenue growth vs CLOV's 40.3% | |
| Value | Lower P/E (62.6x vs 177.3x) | |
| Quality / Margins | 8.7% margin vs CLOV's -2.6% | |
| Stability / Safety | Beta 0.53 vs CLOV's 1.22 | |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | +20.6% vs CLOV's -20.0% | |
| Efficiency (ROA) | 6.1% ROA vs CLOV's -9.6% |
PFAI vs CLOV — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
PFAI vs CLOV — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
PFAI leads this category, winning 3 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
CLOV is the larger business by revenue, generating $2.2B annually — 672.1x PFAI's $3M. PFAI is the more profitable business, keeping 8.7% of every revenue dollar as net income compared to CLOV's -2.6%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $3M | $2.2B |
| EBITDAEarnings before interest/tax | — | -$55M |
| Net IncomeAfter-tax profit | — | -$57M |
| Free Cash FlowCash after capex | — | $55M |
| Gross MarginGross profit ÷ Revenue | +47.3% | +42.5% |
| Operating MarginEBIT ÷ Revenue | +18.7% | -2.6% |
| Net MarginNet income ÷ Revenue | +8.7% | -2.6% |
| FCF MarginFCF ÷ Revenue | -27.2% | +2.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +62.0% |
| EPS Growth (YoY)Latest quarter vs prior year | — | — |
Valuation Metrics
CLOV leads this category, winning 3 of 3 comparable metrics.
Valuation Metrics
| Metric | ||
|---|---|---|
| Market CapShares × price | $29M | $1.4B |
| Enterprise ValueMkt cap + debt − cash | $28M | $1.3B |
| Trailing P/EPrice ÷ TTM EPS | 177.25x | -15.76x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 62.62x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 29.50x | — |
| Price / SalesMarket cap ÷ Revenue | 8.75x | 0.71x |
| Price / BookPrice ÷ Book value/share | 79.36x | 4.49x |
| Price / FCFMarket cap ÷ FCF | — | — |
Profitability & Efficiency
PFAI leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
PFAI delivers a 61.3% return on equity — every $100 of shareholder capital generates $61 in annual profit, vs $-17 for CLOV. On the Piotroski fundamental quality scale (0–9), PFAI scores 6/9 vs CLOV's 2/9, reflecting solid financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +61.3% | -17.1% |
| ROA (TTM)Return on assets | +6.1% | -9.6% |
| ROICReturn on invested capital | — | -34.0% |
| ROCEReturn on capital employed | +34.7% | -24.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 2 |
| Debt / EquityFinancial leverage | 0.35x | — |
| Net DebtTotal debt minus cash | -$523,124 | -$78M |
| Cash & Equiv.Liquid assets | $685,796 | $78M |
| Total DebtShort + long-term debt | $162,672 | $0 |
| Interest CoverageEBIT ÷ Interest expense | — | — |
Total Returns (Dividends Reinvested)
PFAI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PFAI five years ago would be worth $9,350 today (with dividends reinvested), compared to $3,256 for CLOV. Over the past 12 months, PFAI leads with a +20.6% total return vs CLOV's -20.0%. The 3-year compound annual growth rate (CAGR) favors CLOV at 45.1% vs PFAI's -2.2% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +72.4% | +11.2% |
| 1-Year ReturnPast 12 months | +20.6% | -20.0% |
| 3-Year ReturnCumulative with dividends | -6.5% | +205.7% |
| 5-Year ReturnCumulative with dividends | -6.5% | -67.4% |
| 10-Year ReturnCumulative with dividends | -6.5% | -73.7% |
| CAGR (3Y)Annualised 3-year return | -2.2% | +45.1% |
Risk & Volatility
PFAI leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PFAI is the less volatile stock with a 0.53 beta — it tends to amplify market swings less than CLOV's 1.22 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PFAI currently trades 75.9% from its 52-week high vs CLOV's 68.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.53x | 1.22x |
| 52-Week HighHighest price in past year | $4.93 | $3.92 |
| 52-Week LowLowest price in past year | $1.30 | $1.58 |
| % of 52W HighCurrent price vs 52-week peak | +75.9% | +68.4% |
| RSI (14)Momentum oscillator 0–100 | 57.7 | 67.0 |
| Avg Volume (50D)Average daily shares traded | 7K | 5.6M |
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $3.33 |
| # AnalystsCovering analysts | — | 9 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +4.0% |
PFAI leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). CLOV leads in 1 (Valuation Metrics).
PFAI vs CLOV: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is PFAI or CLOV a better buy right now?
For growth investors, Pinnacle Food Group Limited Class A Common Shares (PFAI) is the stronger pick with 56.
6% revenue growth year-over-year, versus 40. 3% for Clover Health Investments, Corp. (CLOV). Pinnacle Food Group Limited Class A Common Shares (PFAI) offers the better valuation at 177. 3x trailing P/E, making it the more compelling value choice. Analysts rate Clover Health Investments, Corp. (CLOV) a "Hold" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — PFAI or CLOV?
Over the past 5 years, Pinnacle Food Group Limited Class A Common Shares (PFAI) delivered a total return of -6.
5%, compared to -67. 4% for Clover Health Investments, Corp. (CLOV). Over 10 years, the gap is even starker: PFAI returned -6. 5% versus CLOV's -73. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — PFAI or CLOV?
By beta (market sensitivity over 5 years), Pinnacle Food Group Limited Class A Common Shares (PFAI) is the lower-risk stock at 0.
53β versus Clover Health Investments, Corp. 's 1. 22β — meaning CLOV is approximately 130% more volatile than PFAI relative to the S&P 500.
04Which is growing faster — PFAI or CLOV?
By revenue growth (latest reported year), Pinnacle Food Group Limited Class A Common Shares (PFAI) is pulling ahead at 56.
6% versus 40. 3% for Clover Health Investments, Corp. (CLOV). On earnings-per-share growth, the picture is similar: Pinnacle Food Group Limited Class A Common Shares grew EPS -63. 7% year-over-year, compared to -93. 6% for Clover Health Investments, Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — PFAI or CLOV?
Pinnacle Food Group Limited Class A Common Shares (PFAI) is the more profitable company, earning 8.
7% net margin versus -4. 4% for Clover Health Investments, Corp. — meaning it keeps 8. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PFAI leads at 18. 7% versus -4. 4% for CLOV. At the gross margin level — before operating expenses — PFAI leads at 47. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — PFAI or CLOV?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
07Is PFAI or CLOV better for a retirement portfolio?
For long-horizon retirement investors, Pinnacle Food Group Limited Class A Common Shares (PFAI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
53)). Both have compounded well over 10 years (PFAI: -6. 5%, CLOV: -73. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between PFAI and CLOV?
These companies operate in different sectors (PFAI (Consumer Cyclical) and CLOV (Healthcare)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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