(CLOV) Clover Health Investments - Overview
Stock: Medicare Advantage Plans, PPO Plans, HMO Plans, Software Platform
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 71.4% |
| Relative Tail Risk | -17.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.82 |
| Alpha | -68.04 |
| Character TTM | |
|---|---|
| Beta | 0.836 |
| Beta Downside | 1.047 |
| Drawdowns 3y | |
|---|---|
| Max DD | 60.15% |
| CAGR/Max DD | 0.35 |
Description: CLOV Clover Health Investments January 17, 2026
Clover Health Investments Corp (NASDAQ:CLOV) is a Delaware-incorporated provider of Medicare Advantage (MA) plans, offering both Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) options to Medicare-eligible beneficiaries across the United States.
Through its proprietary Clover Assistant platform, the firm leverages data analytics and AI to help physicians identify and intervene on chronic conditions earlier, aiming to improve health outcomes and reduce cost-of-care-an increasingly critical differentiator as CMS tightens MA reimbursement incentives.
Key performance indicators as of Q4 2023 include a 12% year-over-year growth in member enrollment to roughly 190,000 members, a 4.2% medical loss ratio (MLR) improvement versus the industry median of ~85%, and a cash-burn rate of $45 million, reflecting ongoing investment in technology and provider networks.
Sector drivers such as the aging U.S. population, rising chronic disease prevalence, and the federal shift toward value-based care models create a tailwind for MA providers that can successfully integrate predictive analytics.
For a deeper dive into CLOV’s valuation dynamics and how they compare to peers, consider exploring the detailed analysis on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: -58.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.15 > 0.02 and ΔFCF/TA 5.76 > 1.0 |
| NWC/Revenue: 7.75% < 20% (prev 9.91%; Δ -2.16% < -1%) |
| CFO/TA -0.15 > 3% & CFO -84.6m > Net Income -58.3m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 1.71 > 1.5 & < 3 |
| Outstanding Shares: last quarter (512.7m) vs 12m ago 4.60% < -2% |
| Gross Margin: 21.18% > 18% (prev 0.22%; Δ 2096 % > 0.5%) |
| Asset Turnover: 292.5% > 50% (prev 236.5%; Δ 56.00% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBITDA TTM and Interest Expense TTM) |
Altman Z'' -15.00
| A: 0.25 (Total Current Assets 330.9m - Total Current Liabilities 193.4m) / Total Assets 559.7m |
| B: -4.00 (Retained Earnings -2.24b / Total Assets 559.7m) |
| C: -0.10 (EBIT TTM -57.7m / Avg Total Assets 606.3m) |
| D: -10.23 (Book Value of Equity -2.24b / Total Liabilities 218.7m) |
| Altman-Z'' Score: -22.82 = D |
Beneish M -2.53
| DSRI: 1.23 (Receivables 103.5m/73.2m, Revenue 1.77b/1.54b) |
| GMI: 1.02 (GM 21.18% / 21.57%) |
| AQI: 1.23 (AQ_t 0.40 / AQ_t-1 0.33) |
| SGI: 1.15 (Revenue 1.77b / 1.54b) |
| TATA: 0.05 (NI -58.3m - CFO -84.6m) / TA 559.7m) |
| Beneish M-Score: -2.53 (Cap -4..+1) = A |
What is the price of CLOV shares?
Over the past week, the price has changed by -4.91%, over one month by -17.76%, over three months by -18.39% and over the past year by -52.03%.
Is CLOV a buy, sell or hold?
- StrongBuy: 2
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CLOV price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 3.2 | 51.6% |
| Analysts Target Price | 3.2 | 51.6% |
| ValueRay Target Price | 1.9 | -13.1% |
CLOV Fundamental Data Overview February 03, 2026
P/S = 0.6526
P/B = 3.4402
Revenue TTM = 1.77b USD
EBIT TTM = -57.7m USD
EBITDA TTM = -56.1m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = -190.1m USD (from netDebt column, last quarter)
Enterprise Value = 954.5m USD (1.16b + (null Debt) - CCE 202.8m)
Interest Coverage Ratio = unknown (Ebit TTM -57.7m / Interest Expense TTM 0.0)
EV/FCF = -11.05x (Enterprise Value 954.5m / FCF TTM -86.4m)
FCF Yield = -9.05% (FCF TTM -86.4m / Enterprise Value 954.5m)
FCF Margin = -4.87% (FCF TTM -86.4m / Revenue TTM 1.77b)
Net Margin = -3.29% (Net Income TTM -58.3m / Revenue TTM 1.77b)
Gross Margin = 21.18% ((Revenue TTM 1.77b - Cost of Revenue TTM 1.40b) / Revenue TTM)
Gross Margin QoQ = 14.73% (prev 20.86%)
Tobins Q-Ratio = 1.71 (Enterprise Value 954.5m / Total Assets 559.7m)
Interest Expense / Debt = unknown (Interest Expense 0.0 / Debt none)
Taxrate = 21.0% (US default 21%)
NOPAT = -45.6m (EBIT -57.7m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 1.71 (Total Current Assets 330.9m / Total Current Liabilities 193.4m)
Debt / Equity = unknown (Debt none)
Debt / EBITDA = 3.39 (negative EBITDA) (Net Debt -190.1m / EBITDA -56.1m)
Debt / FCF = 2.20 (negative FCF - burning cash) (Net Debt -190.1m / FCF TTM -86.4m)
Total Stockholder Equity = 340.6m (last 4 quarters mean from totalStockholderEquity)
RoA = -9.62% (Net Income -58.3m / Total Assets 559.7m)
RoE = -17.12% (Net Income TTM -58.3m / Total Stockholder Equity 340.6m)
RoCE = -15.76% (EBIT -57.7m / Capital Employed (Total Assets 559.7m - Current Liab 193.4m))
RoIC = -13.39% (negative operating profit) (NOPAT -45.6m / Invested Capital 340.6m)
WACC = 8.99% (E(1.16b)/V(1.16b) * Re(8.99%) + (debt-free company))
Discount Rate = 8.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.18%
Fair Price DCF = unknown (Cash Flow -86.4m)
EPS Correlation: 86.97 | EPS CAGR: 63.67% | SUE: 1.15 | # QB: 1
Revenue Correlation: -45.39 | Revenue CAGR: 3.79% | SUE: 0.10 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.07 | Chg30d=-0.010 | Revisions Net=-1 | Analysts=1
EPS next Year (2026-12-31): EPS=0.06 | Chg30d=-0.130 | Revisions Net=-1 | Growth EPS=+50.0% | Growth Revenue=+43.9%