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Side-by-side financial comparison of CLOVER HEALTH INVESTMENTS, CORP. (CLOV) and PHINIA INC. (PHIN). Click either name above to swap in a different company.
PHINIA INC. is the larger business by last-quarter revenue ($889.0M vs $749.2M, roughly 1.2× CLOVER HEALTH INVESTMENTS, CORP.). On growth, CLOVER HEALTH INVESTMENTS, CORP. posted the faster year-over-year revenue change (62.0% vs 6.7%). Over the past eight quarters, CLOVER HEALTH INVESTMENTS, CORP.'s revenue compounded faster (45.0% CAGR vs 1.5%).
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.
PHINIA Inc. is a global automotive technology provider specializing in fuel injection systems, starters, alternators, and hybrid/electric vehicle components. It serves OEMs and aftermarket customers across North America, Europe, Asia Pacific and key markets, covering passenger car, commercial vehicle and industrial mobility segments.
CLOV vs PHIN — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $749.2M | $889.0M |
| Net Profit | $27.3M | — |
| Gross Margin | — | 21.7% |
| Operating Margin | 3.6% | 7.8% |
| Net Margin | 3.6% | — |
| Revenue YoY | 62.0% | 6.7% |
| Net Profit YoY | — | — |
| EPS (diluted) | $0.05 | $1.14 |
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.
| Q1 26 | $749.2M | — | ||
| Q4 25 | $487.7M | $889.0M | ||
| Q3 25 | $496.6M | $908.0M | ||
| Q2 25 | $477.6M | $890.0M | ||
| Q1 25 | $462.3M | $796.0M | ||
| Q4 24 | $337.0M | $833.0M | ||
| Q3 24 | $331.0M | $839.0M | ||
| Q2 24 | $356.3M | $868.0M |
| Q1 26 | $27.3M | — | ||
| Q4 25 | $-49.3M | — | ||
| Q3 25 | $-24.4M | $13.0M | ||
| Q2 25 | $-10.6M | $46.0M | ||
| Q1 25 | $-1.3M | $26.0M | ||
| Q4 24 | $-22.1M | — | ||
| Q3 24 | $-9.2M | $31.0M | ||
| Q2 24 | $7.4M | $14.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 21.7% | ||
| Q3 25 | — | 22.0% | ||
| Q2 25 | — | 22.1% | ||
| Q1 25 | — | 21.6% | ||
| Q4 24 | — | 22.7% | ||
| Q3 24 | 24.5% | 22.3% | ||
| Q2 24 | 30.3% | 21.7% |
| Q1 26 | 3.6% | — | ||
| Q4 25 | -10.1% | 7.8% | ||
| Q3 25 | -4.9% | 3.7% | ||
| Q2 25 | -2.2% | 10.0% | ||
| Q1 25 | -0.3% | 7.8% | ||
| Q4 24 | -6.4% | 6.1% | ||
| Q3 24 | -2.7% | 7.9% | ||
| Q2 24 | 2.0% | 8.2% |
| Q1 26 | 3.6% | — | ||
| Q4 25 | -10.1% | — | ||
| Q3 25 | -4.9% | 1.4% | ||
| Q2 25 | -2.2% | 5.2% | ||
| Q1 25 | -0.3% | 3.3% | ||
| Q4 24 | -6.6% | — | ||
| Q3 24 | -2.8% | 3.7% | ||
| Q2 24 | 2.1% | 1.6% |
| Q1 26 | $0.05 | — | ||
| Q4 25 | — | $1.14 | ||
| Q3 25 | — | $0.33 | ||
| Q2 25 | — | $1.14 | ||
| Q1 25 | — | $0.63 | ||
| Q4 24 | — | $0.13 | ||
| Q3 24 | — | $0.70 | ||
| Q2 24 | — | $0.31 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $177.6M | $359.0M |
| Total DebtLower is stronger | — | $970.0M |
| Stockholders' EquityBook value | $339.4M | $1.6B |
| Total Assets | $697.7M | $3.8B |
| Debt / EquityLower = less leverage | — | 0.61× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $177.6M | — | ||
| Q4 25 | $78.3M | $359.0M | ||
| Q3 25 | — | $349.0M | ||
| Q2 25 | — | $347.0M | ||
| Q1 25 | — | $373.0M | ||
| Q4 24 | $194.5M | $484.0M | ||
| Q3 24 | $288.0M | $477.0M | ||
| Q2 24 | $254.8M | $339.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $970.0M | ||
| Q3 25 | — | $990.0M | ||
| Q2 25 | — | $990.0M | ||
| Q1 25 | — | $989.0M | ||
| Q4 24 | — | $988.0M | ||
| Q3 24 | — | $987.0M | ||
| Q2 24 | — | $821.0M |
| Q1 26 | $339.4M | — | ||
| Q4 25 | $308.7M | $1.6B | ||
| Q3 25 | $340.9M | $1.6B | ||
| Q2 25 | $344.2M | $1.6B | ||
| Q1 25 | $336.1M | $1.5B | ||
| Q4 24 | $341.1M | $1.6B | ||
| Q3 24 | $342.2M | $1.7B | ||
| Q2 24 | $324.9M | $1.7B |
| Q1 26 | $697.7M | — | ||
| Q4 25 | $541.0M | $3.8B | ||
| Q3 25 | $559.7M | $4.0B | ||
| Q2 25 | $575.0M | $3.9B | ||
| Q1 25 | $583.7M | $3.7B | ||
| Q4 24 | $580.7M | $3.8B | ||
| Q3 24 | $653.0M | $4.0B | ||
| Q2 24 | $674.2M | $3.9B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.61× | ||
| Q3 25 | — | 0.62× | ||
| Q2 25 | — | 0.61× | ||
| Q1 25 | — | 0.64× | ||
| Q4 24 | — | 0.63× | ||
| Q3 24 | — | 0.58× | ||
| Q2 24 | — | 0.47× |
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 | — | $96.0M |
| Free Cash FlowOCF − Capex | — | $67.0M |
| FCF MarginFCF / Revenue | — | 7.5% |
| Capex IntensityCapex / Revenue | — | 3.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $188.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-66.9M | $96.0M | ||
| Q3 25 | $12.1M | $119.0M | ||
| Q2 25 | $5.4M | $57.0M | ||
| Q1 25 | $-16.3M | $40.0M | ||
| Q4 24 | $34.8M | $73.0M | ||
| Q3 24 | $50.0M | $95.0M | ||
| Q2 24 | $44.8M | $109.0M |
| Q1 26 | — | — | ||
| Q4 25 | $-69.0M | $67.0M | ||
| Q3 25 | $11.4M | $93.0M | ||
| Q2 25 | $4.8M | $23.0M | ||
| Q1 25 | $-16.5M | $5.0M | ||
| Q4 24 | $33.3M | $53.0M | ||
| Q3 24 | $49.6M | $70.0M | ||
| Q2 24 | $44.4M | $92.0M |
| Q1 26 | — | — | ||
| Q4 25 | -14.1% | 7.5% | ||
| Q3 25 | 2.3% | 10.2% | ||
| Q2 25 | 1.0% | 2.6% | ||
| Q1 25 | -3.6% | 0.6% | ||
| Q4 24 | 9.9% | 6.4% | ||
| Q3 24 | 15.0% | 8.3% | ||
| Q2 24 | 12.5% | 10.6% |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 3.3% | ||
| Q3 25 | 0.1% | 2.9% | ||
| Q2 25 | 0.1% | 3.8% | ||
| Q1 25 | 0.0% | 4.4% | ||
| Q4 24 | 0.5% | 2.4% | ||
| Q3 24 | 0.1% | 3.0% | ||
| Q2 24 | 0.1% | 2.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 9.15× | ||
| Q2 25 | — | 1.24× | ||
| Q1 25 | — | 1.54× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.06× | ||
| Q2 24 | 6.04× | 7.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CLOV
Segment breakdown not available.
PHIN
| Customer | $618.0M | 70% |
| Fuel Systems | $194.0M | 22% |
| Other | $77.0M | 9% |
