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Side-by-side financial comparison of CLOVER HEALTH INVESTMENTS, CORP. (CLOV) and OXFORD INDUSTRIES INC (OXM). 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 $307.3M, roughly 1.6× OXFORD INDUSTRIES INC). CLOVER HEALTH INVESTMENTS, CORP. runs the higher net margin — -10.1% vs -20.7%, a 10.6% gap on every dollar of revenue. On growth, CLOVER HEALTH INVESTMENTS, CORP. posted the faster year-over-year revenue change (44.7% vs -0.2%). OXFORD INDUSTRIES INC produced more free cash flow last quarter ($-47.9M vs $-69.0M). Over the past eight quarters, CLOVER HEALTH INVESTMENTS, CORP.'s revenue compounded faster (18.6% CAGR vs -3.0%).
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.
Oxford Industries, Inc. is a publicly traded clothing company in the United States that specializes in high-end clothing and apparel. The company carries many major labels, including Tommy Bahama, Lilly Pulitzer, Johnny Was and Southern Tide.
CLOV vs OXM — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $487.7M | $307.3M |
| Net Profit | $-49.3M | $-63.7M |
| Gross Margin | — | 60.3% |
| Operating Margin | -10.1% | -27.7% |
| Net Margin | -10.1% | -20.7% |
| Revenue YoY | 44.7% | -0.2% |
| Net Profit YoY | -123.2% | -1517.6% |
| EPS (diluted) | — | $-4.28 |
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 | $307.3M | ||
| Q3 25 | $496.6M | $403.1M | ||
| Q2 25 | $477.6M | $392.9M | ||
| Q1 25 | $462.3M | — | ||
| Q4 24 | $337.0M | $308.0M | ||
| Q3 24 | $331.0M | $419.9M | ||
| Q2 24 | $356.3M | $398.2M | ||
| Q1 24 | $346.9M | $404.4M |
| Q4 25 | $-49.3M | $-63.7M | ||
| Q3 25 | $-24.4M | $16.7M | ||
| Q2 25 | $-10.6M | $26.2M | ||
| Q1 25 | $-1.3M | — | ||
| Q4 24 | $-22.1M | $-3.9M | ||
| Q3 24 | $-9.2M | $40.6M | ||
| Q2 24 | $7.4M | $38.4M | ||
| Q1 24 | $-19.2M | $-60.1M |
| Q4 25 | — | 60.3% | ||
| Q3 25 | — | 61.4% | ||
| Q2 25 | — | 64.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 63.1% | ||
| Q3 24 | 24.5% | 63.1% | ||
| Q2 24 | 30.3% | 64.9% | ||
| Q1 24 | 23.6% | 60.9% |
| Q4 25 | -10.1% | -27.7% | ||
| Q3 25 | -4.9% | 6.3% | ||
| Q2 25 | -2.2% | 9.2% | ||
| Q1 25 | -0.3% | — | ||
| Q4 24 | -6.4% | -2.0% | ||
| Q3 24 | -2.7% | 12.5% | ||
| Q2 24 | 2.0% | 13.2% | ||
| Q1 24 | -6.5% | -20.1% |
| Q4 25 | -10.1% | -20.7% | ||
| Q3 25 | -4.9% | 4.1% | ||
| Q2 25 | -2.2% | 6.7% | ||
| Q1 25 | -0.3% | — | ||
| Q4 24 | -6.6% | -1.3% | ||
| Q3 24 | -2.8% | 9.7% | ||
| Q2 24 | 2.1% | 9.6% | ||
| Q1 24 | -5.5% | -14.9% |
| Q4 25 | — | $-4.28 | ||
| Q3 25 | — | $1.12 | ||
| Q2 25 | — | $1.70 | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $-0.25 | ||
| Q3 24 | — | $2.57 | ||
| Q2 24 | — | $2.42 | ||
| Q1 24 | — | $-3.72 |
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 | $8.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $308.7M | $528.0M |
| Total Assets | $541.0M | $1.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $78.3M | $8.0M | ||
| Q3 25 | — | $6.9M | ||
| Q2 25 | — | $8.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | $194.5M | $7.0M | ||
| Q3 24 | $288.0M | $18.4M | ||
| Q2 24 | $254.8M | $7.7M | ||
| Q1 24 | $208.3M | $7.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $29.0M |
| Q4 25 | $308.7M | $528.0M | ||
| Q3 25 | $340.9M | $597.1M | ||
| Q2 25 | $344.2M | $592.4M | ||
| Q1 25 | $336.1M | — | ||
| Q4 24 | $341.1M | $612.2M | ||
| Q3 24 | $342.2M | $621.6M | ||
| Q2 24 | $324.9M | $592.9M | ||
| Q1 24 | $292.5M | $560.9M |
| Q4 25 | $541.0M | $1.3B | ||
| Q3 25 | $559.7M | $1.3B | ||
| Q2 25 | $575.0M | $1.3B | ||
| Q1 25 | $583.7M | — | ||
| Q4 24 | $580.7M | $1.2B | ||
| Q3 24 | $653.0M | $1.2B | ||
| Q2 24 | $674.2M | $1.2B | ||
| Q1 24 | $671.8M | $1.1B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.05× |
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 | $-9.1M |
| Free Cash FlowOCF − Capex | $-69.0M | $-47.9M |
| FCF MarginFCF / Revenue | -14.1% | -15.6% |
| Capex IntensityCapex / Revenue | 0.4% | 12.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-69.2M | $-79.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-66.9M | $-9.1M | ||
| Q3 25 | $12.1M | $83.5M | ||
| Q2 25 | $5.4M | $-3.9M | ||
| Q1 25 | $-16.3M | — | ||
| Q4 24 | $34.8M | $-18.2M | ||
| Q3 24 | $50.0M | $88.8M | ||
| Q2 24 | $44.8M | $32.9M | ||
| Q1 24 | $25.9M | $74.9M |
| Q4 25 | $-69.0M | $-47.9M | ||
| Q3 25 | $11.4M | $52.3M | ||
| Q2 25 | $4.8M | $-27.4M | ||
| Q1 25 | $-16.5M | — | ||
| Q4 24 | $33.3M | $-56.9M | ||
| Q3 24 | $49.6M | $47.2M | ||
| Q2 24 | $44.4M | $21.0M | ||
| Q1 24 | $25.5M | $55.3M |
| Q4 25 | -14.1% | -15.6% | ||
| Q3 25 | 2.3% | 13.0% | ||
| Q2 25 | 1.0% | -7.0% | ||
| Q1 25 | -3.6% | — | ||
| Q4 24 | 9.9% | -18.5% | ||
| Q3 24 | 15.0% | 11.2% | ||
| Q2 24 | 12.5% | 5.3% | ||
| Q1 24 | 7.3% | 13.7% |
| Q4 25 | 0.4% | 12.6% | ||
| Q3 25 | 0.1% | 7.7% | ||
| Q2 25 | 0.1% | 6.0% | ||
| Q1 25 | 0.0% | — | ||
| Q4 24 | 0.5% | 12.6% | ||
| Q3 24 | 0.1% | 9.9% | ||
| Q2 24 | 0.1% | 3.0% | ||
| Q1 24 | 0.1% | 4.8% |
| Q4 25 | — | — | ||
| Q3 25 | — | 5.00× | ||
| Q2 25 | — | -0.15× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 2.19× | ||
| Q2 24 | 6.04× | 0.86× | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CLOV
Segment breakdown not available.
OXM
| Sales Channel Retail | $162.9M | 53% |
| Sales Channel Wholesale | $61.3M | 20% |
| Johnny Was | $45.4M | 15% |
| Sales Channel Food And Beverage | $29.3M | 10% |
| Other Foreign Countries | $9.0M | 3% |
