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Side-by-side financial comparison of BJs RESTAURANTS INC (BJRI) and CLOVER HEALTH INVESTMENTS, CORP. (CLOV). Click either name above to swap in a different company.
CLOVER HEALTH INVESTMENTS, CORP. is the larger business by last-quarter revenue ($487.7M vs $355.4M, roughly 1.4× BJs RESTAURANTS INC). BJs RESTAURANTS INC runs the higher net margin — 3.6% vs -10.1%, a 13.7% gap on every dollar of revenue. On growth, CLOVER HEALTH INVESTMENTS, CORP. posted the faster year-over-year revenue change (44.7% vs -73.8%). Over the past eight quarters, CLOVER HEALTH INVESTMENTS, CORP.'s revenue compounded faster (18.6% CAGR vs 2.6%).
BJ's Restaurants Inc. operates a chain of casual dining restaurants across the United States. Its menu features signature deep-dish pizzas, craft beers, handcrafted cocktails, and a wide range of American comfort food. The brand primarily serves family groups, friend gatherings, and casual diners seeking affordable, high-quality meals in a relaxed, welcoming in-store environment.
Clover Health Investments, Corp. is an American health care company founded in 2014. The company provides Medicare Advantage (MA) insurance plans and operates as a direct contracting entity with the U.S. government. The company manages care for Medicare beneficiaries in 11 states and started trading publicly on January 8, 2021.
BJRI vs CLOV — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $355.4M | $487.7M |
| Net Profit | $12.6M | $-49.3M |
| Gross Margin | 74.5% | — |
| Operating Margin | — | -10.1% |
| Net Margin | 3.6% | -10.1% |
| Revenue YoY | -73.8% | 44.7% |
| Net Profit YoY | -24.2% | -123.2% |
| EPS (diluted) | $0.58 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $355.4M | $487.7M | ||
| Q3 25 | $365.6M | $496.6M | ||
| Q2 25 | $348.0M | $477.6M | ||
| Q1 25 | — | $462.3M | ||
| Q4 24 | $325.7M | $337.0M | ||
| Q3 24 | $349.9M | $331.0M | ||
| Q2 24 | $337.3M | $356.3M | ||
| Q1 24 | — | $346.9M |
| Q4 25 | $12.6M | $-49.3M | ||
| Q3 25 | $22.2M | $-24.4M | ||
| Q2 25 | $13.5M | $-10.6M | ||
| Q1 25 | — | $-1.3M | ||
| Q4 24 | $-2.9M | $-22.1M | ||
| Q3 24 | $17.2M | $-9.2M | ||
| Q2 24 | $7.7M | $7.4M | ||
| Q1 24 | — | $-19.2M |
| Q4 25 | 74.5% | — | ||
| Q3 25 | 75.2% | — | ||
| Q2 25 | 75.0% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 73.4% | — | ||
| Q3 24 | 74.3% | 24.5% | ||
| Q2 24 | 74.8% | 30.3% | ||
| Q1 24 | — | 23.6% |
| Q4 25 | — | -10.1% | ||
| Q3 25 | 5.8% | -4.9% | ||
| Q2 25 | 4.3% | -2.2% | ||
| Q1 25 | — | -0.3% | ||
| Q4 24 | -0.8% | -6.4% | ||
| Q3 24 | 3.8% | -2.7% | ||
| Q2 24 | 2.4% | 2.0% | ||
| Q1 24 | — | -6.5% |
| Q4 25 | 3.6% | -10.1% | ||
| Q3 25 | 6.1% | -4.9% | ||
| Q2 25 | 3.9% | -2.2% | ||
| Q1 25 | — | -0.3% | ||
| Q4 24 | -0.9% | -6.6% | ||
| Q3 24 | 4.9% | -2.8% | ||
| Q2 24 | 2.3% | 2.1% | ||
| Q1 24 | — | -5.5% |
| Q4 25 | $0.58 | — | ||
| Q3 25 | $0.97 | — | ||
| Q2 25 | $0.58 | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $-0.13 | — | ||
| Q3 24 | $0.72 | — | ||
| Q2 24 | $0.32 | — | ||
| Q1 24 | — | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $23.8M | $78.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $366.2M | $308.7M |
| Total Assets | $1.0B | $541.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.8M | $78.3M | ||
| Q3 25 | $26.0M | — | ||
| Q2 25 | $19.0M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $18.4M | $194.5M | ||
| Q3 24 | $16.2M | $288.0M | ||
| Q2 24 | $18.8M | $254.8M | ||
| Q1 24 | — | $208.3M |
| Q4 25 | — | — | ||
| Q3 25 | $60.5M | — | ||
| Q2 25 | $85.5M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $66.5M | — | ||
| Q3 24 | $63.5M | — | ||
| Q2 24 | $58.0M | — | ||
| Q1 24 | — | — |
| Q4 25 | $366.2M | $308.7M | ||
| Q3 25 | $386.6M | $340.9M | ||
| Q2 25 | $371.5M | $344.2M | ||
| Q1 25 | — | $336.1M | ||
| Q4 24 | $376.2M | $341.1M | ||
| Q3 24 | $386.5M | $342.2M | ||
| Q2 24 | $375.4M | $324.9M | ||
| Q1 24 | — | $292.5M |
| Q4 25 | $1.0B | $541.0M | ||
| Q3 25 | $1.0B | $559.7M | ||
| Q2 25 | $1.0B | $575.0M | ||
| Q1 25 | — | $583.7M | ||
| Q4 24 | $1.0B | $580.7M | ||
| Q3 24 | $1.0B | $653.0M | ||
| Q2 24 | $1.0B | $674.2M | ||
| Q1 24 | — | $671.8M |
| Q4 25 | — | — | ||
| Q3 25 | 0.16× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | 0.16× | — | ||
| Q2 24 | 0.15× | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $-66.9M |
| Free Cash FlowOCF − Capex | — | $-69.0M |
| FCF MarginFCF / Revenue | — | -14.1% |
| Capex IntensityCapex / Revenue | — | 0.4% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-69.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $-66.9M | ||
| Q3 25 | $62.3M | $12.1M | ||
| Q2 25 | $4.6M | $5.4M | ||
| Q1 25 | — | $-16.3M | ||
| Q4 24 | $27.3M | $34.8M | ||
| Q3 24 | $20.2M | $50.0M | ||
| Q2 24 | $22.3M | $44.8M | ||
| Q1 24 | — | $25.9M |
| Q4 25 | — | $-69.0M | ||
| Q3 25 | $41.9M | $11.4M | ||
| Q2 25 | $-12.1M | $4.8M | ||
| Q1 25 | — | $-16.5M | ||
| Q4 24 | $7.6M | $33.3M | ||
| Q3 24 | $735.0K | $49.6M | ||
| Q2 24 | $448.0K | $44.4M | ||
| Q1 24 | — | $25.5M |
| Q4 25 | — | -14.1% | ||
| Q3 25 | 11.5% | 2.3% | ||
| Q2 25 | -3.5% | 1.0% | ||
| Q1 25 | — | -3.6% | ||
| Q4 24 | 2.3% | 9.9% | ||
| Q3 24 | 0.2% | 15.0% | ||
| Q2 24 | 0.1% | 12.5% | ||
| Q1 24 | — | 7.3% |
| Q4 25 | — | 0.4% | ||
| Q3 25 | 5.6% | 0.1% | ||
| Q2 25 | 4.8% | 0.1% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | 6.0% | 0.5% | ||
| Q3 24 | 5.6% | 0.1% | ||
| Q2 24 | 6.5% | 0.1% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 2.80× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.18× | — | ||
| Q2 24 | 2.89× | 6.04× | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
