CLOV vs. LU

Last updated Jun 9, 2026

CLOV (Clover Health Investments, Corp.) and LU (Lufax Holding Ltd) are both stocks. CLOV operates in Healthcare Plans (Healthcare), while LU operates in Credit Services (Financial Services). Over the past 5 years, CLOV returned -25.36%/yr vs -40.10%/yr for LU. At a 0.23 correlation, their price movements are largely independent.

Performance

CLOV vs. LU - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Clover Health Investments, Corp. (CLOV) and Lufax Holding Ltd (LU). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, CLOV achieves a 66.81% return, which is significantly higher than LU's -46.09% return.

CLOV

• 1D: 2.35%
• 1M: 25.64%
• YTD: 66.81%
• 6M: 53.13%
• 1Y: 28.31%
• 3Y*: 57.67%
• 5Y*: -25.36%
• 10Y*: —

LU

• 1D: -4.83%
• 1M: -29.23%
• YTD: -46.09%
• 6M: -47.92%
• 1Y: -52.41%
• 3Y*: -20.35%
• 5Y*: -40.10%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

CLOV vs. LU - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
CLOV Clover Health Investments, Corp.	66.81%	-25.40%	230.85%	2.43%	-75.01%	-77.82%	67.37%
LU Lufax Holding Ltd	-46.09%	7.11%	73.97%	-58.03%	-60.48%	-60.35%	10.51%

Correlation

The correlation between CLOV and LU is 0.22, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.22
Correlation (3Y) Calculated over the trailing 3-year period	0.18
Correlation (5Y) Calculated over the trailing 5-year period	0.25
Correlation (All Time) Calculated using the full available price history since Nov 2, 2020	0.23

Fundamentals

Total Revenue (TTM) CLOV : $2.21B LU : $31.92B
Gross Profit (TTM) CLOV : $939.14M LU : $13.50B
EBITDA (TTM) CLOV : -$55.21M LU : -$1.26B

Return for Risk

CLOV vs. LU — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CLOV

CLOV Risk / Return Rank: 56
CLOV Sharpe Ratio Rank: 56
CLOV Sortino Ratio Rank: 57
CLOV Omega Ratio Rank: 57
CLOV Calmar Ratio Rank: 55
CLOV Martin Ratio Rank: 52

LU

LU Risk / Return Rank: 8
LU Sharpe Ratio Rank: 5
LU Sortino Ratio Rank: 5
LU Omega Ratio Rank: 7
LU Calmar Ratio Rank: 13
LU Martin Ratio Rank: 9

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CLOV vs. LU - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Clover Health Investments, Corp. (CLOV) and Lufax Holding Ltd (LU). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	CLOV	LU	Difference
Sharpe ratio: Return per unit of total volatility	0.41	-0.99	+1.40
Sortino ratio: Return per unit of downside risk	1.08	-1.62	+2.71
Omega ratio: Gain probability vs. loss probability	1.14	0.81	+0.32
Calmar ratio: Return relative to maximum drawdown	0.51	-0.77	+1.28
Martin ratio: Return relative to average drawdown	0.93	-1.39	+2.32
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

CLOV vs. LU - Sharpe Ratio Comparison

The current CLOV Sharpe Ratio is 0.41, which is higher than the LU Sharpe Ratio of -0.99. The chart below compares the historical Sharpe Ratios of CLOV and LU, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	CLOV	LU	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.41	-0.99	+1.40
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.33	-0.53	+0.20
Sharpe Ratio (All Time) Calculated using the full available price history	-0.17	-0.49	+0.32

Drawdowns

CLOV vs. LU - Drawdown Comparison

The maximum CLOV drawdown since its inception was -97.19%, roughly equal to the maximum LU drawdown of -96.68%. Use the drawdown chart below to compare losses from any high point for CLOV and LU.

Drawdown Indicators

	CLOV	LU	Difference
Max Drawdown Largest peak-to-trough decline	-97.19%	-96.68%	-0.51%
Max Drawdown (1Y) Largest decline over 1 year	-55.50%	-68.64%	+13.14%
Max Drawdown (3Y) Largest decline over 3 years	-64.73%	-69.41%	+4.68%
Max Drawdown (5Y) Largest decline over 5 years	-95.86%	-94.84%	-1.02%
Current Drawdown Current decline from peak	-82.30%	-95.24%	+12.94%
Average Drawdown Average peak-to-trough decline	-76.63%	-78.40%	+1.77%
Ulcer Index Depth and duration of drawdowns from previous peaks	30.48%	37.82%	-7.34%

Volatility

CLOV vs. LU - Volatility Comparison

Clover Health Investments, Corp. (CLOV) has a higher volatility of 23.92% compared to Lufax Holding Ltd (LU) at 12.14%. This indicates that CLOV's price experiences larger fluctuations and is considered to be riskier than LU based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CLOV	LU	Difference
Volatility (1M) Calculated over the trailing 1-month period	23.92%	12.14%	+11.78%
Volatility (6M) Calculated over the trailing 6-month period	40.34%	34.52%	+5.82%
Volatility (1Y) Calculated over the trailing 1-year period	69.47%	53.08%	+16.39%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	78.08%	76.63%	+1.45%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	85.65%	76.25%	+9.40%

Dividends

CLOV vs. LU - Dividend Comparison

Neither CLOV nor LU has paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022
CLOV Clover Health Investments, Corp.	0.00%	0.00%	0.00%	0.00%	0.00%
LU Lufax Holding Ltd	0.00%	0.00%	101.26%	11.60%	26.29%

Financials

Frequently Asked Questions

Can I hold both CLOV and LU in my portfolio?

CLOV and LU have a correlation of 0.22, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, CLOV or LU?

CLOV has higher volatility (23.92%) compared to LU (12.14%). In terms of maximum drawdown, CLOV dropped -97.19% vs LU's -96.68%.

Which has better risk-adjusted returns?

CLOV currently has the higher Sharpe Ratio (0.41 vs -0.99), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.