CLOV Stock Analysis: Clover Health Investments | NASDAQ
Healthcare Plans | NASDAQ, USA | Market Cap: 2.422m USD | 12M Return: 28.5% | US18914F1030 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 18.3M
Qual. Beats: 0
Rev. Trend: 67.5%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 6.3 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Clover Health Investments Corp. (CLOV) is a U.S. health insurer that provides Medicare Advantage plans to Medicare-eligible individuals, offering both preferred provider organization (PPO) and health maintenance organization (HMO) plan structures. The company also operates Clover Assistant, a physician-facing software platform designed to help detect, identify, and manage chronic diseases among patients. Clover Health was founded in 2014 and is headquartered in Wilmington, Delaware.
Medicare Advantage plans, also known as Medicare Part C, are privately administered alternatives to Original Medicare that combine hospital, medical, and often prescription drug coverage under a single plan. Clover Health operates within the broader health care services sub-industry, which includes insurers, managed care providers, and care delivery companies, and its focus on chronic disease management through software reflects a growing trend among insurers toward technology-enabled care coordination.
- Medicare Advantage membership growth drives premium revenue expansion
- Medical loss ratio trends pressure profitability margins
- CMS Star Ratings changes affect reimbursement rates
| Net Income: -18.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 18.68 > 1.0 |
| NWC/Revenue: 6.55% < 20% (prev 10.01%; Δ -3.47% < -1%) |
| CFO/TA 0.11 > 3% & CFO 77.0m > Net Income -18.4m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 1.50 > 1.5 & < 3 |
| Outstanding Shares: last quarter (545.4m) vs 12m ago 7.18% < -2% |
| Gross Margin: 18.57% > 18% (prev 23.86%; Δ -5.29% > 0.5%) |
| Asset Turnover: 382.4% > 50% (prev 279.6%; Δ 102.8% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: 0.23 (Total Current Assets 485.4m - Total Current Liabilities 323.3m) / Total Assets 720.3m |
| B: -3.10 (Retained Earnings -2.23b / Total Assets 720.3m) |
| C: -0.03 (EBIT TTM -18.4m / Avg Total Assets 647.7m) |
| D: 1.09 (Book Value of Equity 376.3m / Total Liabilities 344.1m) |
| Altman-Z'' = -7.67 = D |
| DSRI: 1.00 (Receivables 202.7m/131.3m, Revenue 2.48b/1.61b) |
| GMI: 1.28 (GM 23.86% / 18.57%) |
| AQI: 0.88 (AQ_t 0.32 / AQ_t-1 0.36) |
| SGI: 1.54 (Revenue 2.48b / 1.61b) |
| TATA: -0.13 (NI -18.4m - CFO 77.0m) / TA 720.3m) |
| Beneish M = -2.47 (Cap -4..+1) = BBB |
As of November 01, 2026, the stock is trading at USD 4.46 with a total of 4,651,444 shares traded. Over the past week, the price has changed by -3.04%, over one month by +3.12%, over three months by +2.76% and over the past year by +28.53%.
Current recommended Stop Loss: 4.20 (which is 5.8% or 1.2 ATR below the current price).
Clover Health Investments has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy CLOV.
- StrongBuy: 2
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 5.4 | 20.6% |
P/E Forward = 37.7358
P/S = 0.9783
P/B = 6.4796
Revenue TTM = 2.48b USD
EBIT TTM = -18.4m USD
EBITDA TTM = -16.5m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 3.67m USD (Leases only: 3.67m)
Net Debt = -197.7m USD (calculated: Debt 3.67m - CCE 201.3m)
Enterprise Value = 2.22b USD (2.42b + Debt 3.67m - CCE 201.3m)
Interest Coverage Ratio = unknown (Ebit TTM -18.4m / Interest Expense TTM 0.0)
EV/FCF = 29.98x (Enterprise Value 2.22b / FCF TTM 74.2m)
FCF Yield = 3.34% (FCF TTM 74.2m / Enterprise Value 2.22b)
FCF Margin = 3.00% (FCF TTM 74.2m / Revenue TTM 2.48b)
Net Margin = -0.74% (Net Income TTM -18.4m / Revenue TTM 2.48b)
Gross Margin = 18.57% ((Revenue TTM 2.48b - Cost of Revenue TTM 2.02b) / Revenue TTM)
Gross Margin QoQ = 20.59% (prev 21.30%)
Tobins Q-Ratio = 3.09 (Enterprise Value 2.22b / Total Assets 720.3m)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 3.67m)
Taxrate = 21.0% (US federal default 21%)
NOPAT = -14.5m (EBIT -18.4m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 1.50 (Total Current Assets 485.4m / Total Current Liabilities 323.3m)
Debt / Equity = 0.01 (Debt 3.67m / totalStockholderEquity, last quarter 376.3m)
Debt / EBITDA = 12.01 (negative EBITDA) (Net Debt -197.7m / EBITDA -16.5m)
Debt / FCF = -2.66 (Net Debt -197.7m / FCF TTM 74.2m)
Total Stockholder Equity = 341.3m (last 4 quarters mean from totalStockholderEquity)
RoA = -2.84% (Net Income -18.4m / Total Assets 720.3m)
RoE = -5.38% (Net Income TTM -18.4m / Total Stockholder Equity 341.3m)
RoCE = -4.63% (EBIT -18.4m / Capital Employed (Total Assets 720.3m - Current Liab 323.3m))
RoIC = -5.31% (negative operating profit) (NOPAT -14.5m / Invested Capital 273.2m)
WACC = 7.99% (E(2.42b)/V(2.43b) * Re(8.0%) + D(3.67m)/V(2.43b) * Rd(0.0%) * (1-Tc(0.21)))
Discount Rate = 8.0% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 19.58 | Cagr: -1.74%
[DCF] Terminal Value 75.44% ; FCFF base≈74.2m ; Y1≈74.5m ; Y5≈78.9m
[DCF] Fair Price = 3.27 (EV 1.23b - Net Debt -197.7m = Equity 1.43b / Shares 435.4m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.18 | # QB: 0
Revenue Correlation: 67.53 | Revenue CAGR: 14.64% | SUE: 0.95 | # QB: 2
EPS current Quarter (2026-09-30): EPS=0.01 | Chg30d=N/A | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=0.14 | Chg30d=+0.00% | Revisions=-25% | GrowthEPS=+259.0% | GrowthRev=+53.5%
EPS next Year (2027-12-31): EPS=0.15 | Chg30d=+0.00% | Revisions=-25% | GrowthEPS=+7.1% | GrowthRev=+19.3%