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Side-by-side financial comparison of CLOVER HEALTH INVESTMENTS, CORP. (CLOV) and GLOBAL INDUSTRIAL Co (GIC). 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 $345.6M, roughly 1.4× GLOBAL INDUSTRIAL Co). GLOBAL INDUSTRIAL Co runs the higher net margin — 4.2% vs -10.1%, a 14.3% gap on every dollar of revenue. On growth, CLOVER HEALTH INVESTMENTS, CORP. posted the faster year-over-year revenue change (44.7% vs 14.3%). GLOBAL INDUSTRIAL Co produced more free cash flow last quarter ($19.2M vs $-69.0M). Over the past eight quarters, CLOVER HEALTH INVESTMENTS, CORP.'s revenue compounded faster (18.6% CAGR vs 3.4%).
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.
Global Industrial Company is a Port Washington, New York–based company providing industrial and MRO products through a system of branded e-Commerce websites and relationship marketers in North America. The primary brand is Global Industrial.
CLOV vs GIC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $487.7M | $345.6M |
| Net Profit | $-49.3M | $14.6M |
| Gross Margin | — | 34.5% |
| Operating Margin | -10.1% | 5.7% |
| Net Margin | -10.1% | 4.2% |
| Revenue YoY | 44.7% | 14.3% |
| Net Profit YoY | -123.2% | 36.4% |
| EPS (diluted) | — | $0.37 |
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 | $487.7M | $345.6M | ||
| Q3 25 | $496.6M | $353.6M | ||
| Q2 25 | $477.6M | $358.9M | ||
| Q1 25 | $462.3M | $321.0M | ||
| Q4 24 | $337.0M | $302.3M | ||
| Q3 24 | $331.0M | $342.4M | ||
| Q2 24 | $356.3M | $347.8M | ||
| Q1 24 | $346.9M | $323.4M |
| Q4 25 | $-49.3M | $14.6M | ||
| Q3 25 | $-24.4M | $18.8M | ||
| Q2 25 | $-10.6M | $25.1M | ||
| Q1 25 | $-1.3M | $13.6M | ||
| Q4 24 | $-22.1M | $10.7M | ||
| Q3 24 | $-9.2M | $16.8M | ||
| Q2 24 | $7.4M | $20.3M | ||
| Q1 24 | $-19.2M | $13.2M |
| Q4 25 | — | 34.5% | ||
| Q3 25 | — | 35.6% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 34.9% | ||
| Q4 24 | — | 33.8% | ||
| Q3 24 | 24.5% | 34.0% | ||
| Q2 24 | 30.3% | 35.2% | ||
| Q1 24 | 23.6% | 34.3% |
| Q4 25 | -10.1% | 5.7% | ||
| Q3 25 | -4.9% | 7.4% | ||
| Q2 25 | -2.2% | 9.3% | ||
| Q1 25 | -0.3% | 5.7% | ||
| Q4 24 | -6.4% | 4.8% | ||
| Q3 24 | -2.7% | 6.5% | ||
| Q2 24 | 2.0% | 7.6% | ||
| Q1 24 | -6.5% | 5.4% |
| Q4 25 | -10.1% | 4.2% | ||
| Q3 25 | -4.9% | 5.3% | ||
| Q2 25 | -2.2% | 7.0% | ||
| Q1 25 | -0.3% | 4.2% | ||
| Q4 24 | -6.6% | 3.5% | ||
| Q3 24 | -2.8% | 4.9% | ||
| Q2 24 | 2.1% | 5.8% | ||
| Q1 24 | -5.5% | 4.1% |
| Q4 25 | — | $0.37 | ||
| Q3 25 | — | $0.48 | ||
| Q2 25 | — | $0.65 | ||
| Q1 25 | — | $0.35 | ||
| Q4 24 | — | $0.28 | ||
| Q3 24 | — | $0.44 | ||
| Q2 24 | — | $0.52 | ||
| Q1 24 | — | $0.34 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $78.3M | $67.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $308.7M | $313.2M |
| Total Assets | $541.0M | $580.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $78.3M | $67.5M | ||
| Q3 25 | — | $67.2M | ||
| Q2 25 | — | $55.1M | ||
| Q1 25 | — | $39.0M | ||
| Q4 24 | $194.5M | $44.6M | ||
| Q3 24 | $288.0M | $38.9M | ||
| Q2 24 | $254.8M | $38.8M | ||
| Q1 24 | $208.3M | $29.9M |
| Q4 25 | $308.7M | $313.2M | ||
| Q3 25 | $340.9M | $316.0M | ||
| Q2 25 | $344.2M | $305.2M | ||
| Q1 25 | $336.1M | $287.9M | ||
| Q4 24 | $341.1M | $281.1M | ||
| Q3 24 | $342.2M | $279.2M | ||
| Q2 24 | $324.9M | $270.4M | ||
| Q1 24 | $292.5M | $260.2M |
| Q4 25 | $541.0M | $580.8M | ||
| Q3 25 | $559.7M | $602.5M | ||
| Q2 25 | $575.0M | $586.5M | ||
| Q1 25 | $583.7M | $536.7M | ||
| Q4 24 | $580.7M | $520.7M | ||
| Q3 24 | $653.0M | $531.6M | ||
| Q2 24 | $674.2M | $542.5M | ||
| Q1 24 | $671.8M | $517.4M |
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 | $20.0M |
| Free Cash FlowOCF − Capex | $-69.0M | $19.2M |
| FCF MarginFCF / Revenue | -14.1% | 5.6% |
| Capex IntensityCapex / Revenue | 0.4% | 0.2% |
| Cash ConversionOCF / Net Profit | — | 1.37× |
| TTM Free Cash FlowTrailing 4 quarters | $-69.2M | $74.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-66.9M | $20.0M | ||
| Q3 25 | $12.1M | $22.7M | ||
| Q2 25 | $5.4M | $31.7M | ||
| Q1 25 | $-16.3M | $3.4M | ||
| Q4 24 | $34.8M | $15.9M | ||
| Q3 24 | $50.0M | $9.6M | ||
| Q2 24 | $44.8M | $18.8M | ||
| Q1 24 | $25.9M | $6.4M |
| Q4 25 | $-69.0M | $19.2M | ||
| Q3 25 | $11.4M | $22.0M | ||
| Q2 25 | $4.8M | $30.3M | ||
| Q1 25 | $-16.5M | $3.2M | ||
| Q4 24 | $33.3M | $15.2M | ||
| Q3 24 | $49.6M | $8.7M | ||
| Q2 24 | $44.4M | $17.9M | ||
| Q1 24 | $25.5M | $5.1M |
| Q4 25 | -14.1% | 5.6% | ||
| Q3 25 | 2.3% | 6.2% | ||
| Q2 25 | 1.0% | 8.4% | ||
| Q1 25 | -3.6% | 1.0% | ||
| Q4 24 | 9.9% | 5.0% | ||
| Q3 24 | 15.0% | 2.5% | ||
| Q2 24 | 12.5% | 5.1% | ||
| Q1 24 | 7.3% | 1.6% |
| Q4 25 | 0.4% | 0.2% | ||
| Q3 25 | 0.1% | 0.2% | ||
| Q2 25 | 0.1% | 0.4% | ||
| Q1 25 | 0.0% | 0.1% | ||
| Q4 24 | 0.5% | 0.2% | ||
| Q3 24 | 0.1% | 0.3% | ||
| Q2 24 | 0.1% | 0.3% | ||
| Q1 24 | 0.1% | 0.4% |
| Q4 25 | — | 1.37× | ||
| Q3 25 | — | 1.21× | ||
| Q2 25 | — | 1.26× | ||
| Q1 25 | — | 0.25× | ||
| Q4 24 | — | 1.49× | ||
| Q3 24 | — | 0.57× | ||
| Q2 24 | 6.04× | 0.93× | ||
| Q1 24 | — | 0.48× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
