(CLOV) Clover Health Investments - Ratings and Ratios
Medicare Plans, Care Management
CLOV EPS (Earnings per Share)
CLOV Revenue
Description: CLOV Clover Health Investments
Clover Health Investments Corp (NASDAQ:CLOV) is a US-based healthcare services company. As a healthcare services provider, CLOVs performance is influenced by factors such as Medicare reimbursement rates, patient demographics, and the overall demand for healthcare services.
The companys market capitalization stands at approximately $1.11 billion, indicating a mid-cap stock with potential for growth. However, the negative Return on Equity (RoE) of -12.64% raises concerns about the companys profitability and ability to generate returns for shareholders.
Key Performance Indicators (KPIs) to monitor for CLOV include revenue growth, patient acquisition costs, and medical loss ratio (MLR). The MLR, which measures the percentage of premium revenue spent on medical claims, is a critical metric for healthcare payers like CLOV. A lower MLR indicates more efficient operations and better profitability.
Economic drivers that may impact CLOVs performance include changes in government healthcare policies, such as the Medicare Advantage program, and shifts in the competitive landscape. The companys ability to navigate these factors and maintain a strong market position will be crucial to its long-term success.
To evaluate CLOVs investment potential, its essential to analyze its financial statements, including the quarterly tax provision, to understand the companys tax obligations and potential impacts on profitability. A thorough analysis of CLOVs business model, competitive advantages, and management team is also necessary to determine the companys growth prospects and potential for long-term value creation.
CLOV Stock Overview
| Market Cap in USD | 1,568m |
| Sub-Industry | Health Care Services |
| IPO / Inception | 2001-01-02 |
CLOV Stock Ratings
| Growth Rating | -8.70% |
| Fundamental | 37.7% |
| Dividend Rating | 1.0% |
| Return 12m vs S&P 500 | -16.2% |
| Analyst Rating | 4.0 of 5 |
CLOV Dividends
Currently no dividends paidCLOV Growth Ratios
| Growth Correlation 3m | -15.8% |
| Growth Correlation 12m | -54.1% |
| Growth Correlation 5y | -47.4% |
| CAGR 5y | 13.63% |
| CAGR/Max DD 3y | 0.19 |
| CAGR/Mean DD 3y | 0.33 |
| Sharpe Ratio 12m | -0.06 |
| Alpha | 0.22 |
| Beta | 0.639 |
| Volatility | 66.67% |
| Current Volume | 4209.8k |
| Average Volume 20d | 4209.8k |
| Stop Loss | 2.9 (-5.5%) |
| Signal | -0.25 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (-43.1m TTM) > 0 and > 6% of Revenue (6% = 96.5m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA 23.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 10.01% (prev 14.81%; Δ -4.80pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.08 (>3.0%) and CFO -46.7m <= Net Income -43.1m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 1.80 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (508.9m) change vs 12m ago 2.77% (target <= -2.0% for YES) |
| Gross Margin 23.86% (prev 21.20%; Δ 2.66pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 257.4% (prev 225.4%; Δ 32.06pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM) |
Altman Z'' -21.25
| (A) 0.28 = (Total Current Assets 362.9m - Total Current Liabilities 201.9m) / Total Assets 575.0m |
| (B) -3.85 = Retained Earnings (Balance) -2.21b / Total Assets 575.0m |
| warn (B) unusual magnitude: -3.85 — check mapping/units |
| (C) -0.07 = EBIT TTM -42.1m / Avg Total Assets 624.6m |
| (D) -9.59 = Book Value of Equity -2.21b / Total Liabilities 230.8m |
| Total Rating: -21.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 37.69
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 2.08% = 1.04 |
| 3. FCF Margin 2.07% = 0.52 |
| 4. Debt/Equity 0.67 = 2.28 |
| 5. Debt/Ebitda -5.69 = -2.50 |
| 6. ROIC - WACC (= -19.65)% = -12.50 |
| 7. RoE -12.64% = -2.11 |
| 8. Rev. Trend -39.69% = -2.98 |
| 9. EPS Trend 88.68% = 4.43 |
What is the price of CLOV shares?
Over the past week, the price has changed by +1.66%, over one month by +17.62%, over three months by +8.48% and over the past year by -0.65%.
Is Clover Health Investments a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CLOV is around 2.64 USD . This means that CLOV is currently overvalued and has a potential downside of -14.01%.
Is CLOV a buy, sell or hold?
- Strong Buy: 2
- Buy: 0
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CLOV price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 3.7 | 18.9% |
| Analysts Target Price | 3.7 | 18.9% |
| ValueRay Target Price | 2.9 | -5.2% |
Last update: 2025-09-16 04:32
CLOV Fundamental Data Overview
CCE Cash And Equivalents = 199.5m USD (Cash And Short Term Investments, last quarter)
P/E Forward = 45.6621
P/S = 0.9754
P/B = 4.5566
Beta = 1.973
Revenue TTM = 1.61b USD
EBIT TTM = -42.1m USD
EBITDA TTM = -40.6m USD
Long Term Debt = 28.9m USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 201.9m USD (from totalCurrentLiabilities, last quarter)
Debt = 230.8m USD (Calculated: Short Term 201.9m + Long Term 28.9m)
Net Debt = -188.6m USD (from netDebt column, last quarter)
Enterprise Value = 1.60b USD (1.57b + Debt 230.8m - CCE 199.5m)
Interest Coverage Ratio = unknown (Ebit TTM -42.1m / Interest Expense TTM 0.0)
FCF Yield = 2.08% (FCF TTM 33.3m / Enterprise Value 1.60b)
FCF Margin = 2.07% (FCF TTM 33.3m / Revenue TTM 1.61b)
Net Margin = -2.68% (Net Income TTM -43.1m / Revenue TTM 1.61b)
Gross Margin = 23.86% ((Revenue TTM 1.61b - Cost of Revenue TTM 1.22b) / Revenue TTM)
Tobins Q-Ratio = -0.72 (set to none) (Enterprise Value 1.60b / Book Value Of Equity -2.21b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 230.8m)
Taxrate = 21.0% (US default)
NOPAT = -42.1m (EBIT -42.1m, no tax applied on loss)
Current Ratio = 1.80 (Total Current Assets 362.9m / Total Current Liabilities 201.9m)
Debt / Equity = 0.67 (Debt 230.8m / last Quarter total Stockholder Equity 344.2m)
Debt / EBITDA = -5.69 (Net Debt -188.6m / EBITDA -40.6m)
Debt / FCF = 6.93 (Debt 230.8m / FCF TTM 33.3m)
Total Stockholder Equity = 340.9m (last 4 quarters mean)
RoA = -7.50% (Net Income -43.1m, Total Assets 575.0m )
RoE = -12.64% (Net Income TTM -43.1m / Total Stockholder Equity 340.9m)
RoCE = -11.39% (Ebit -42.1m / (Equity 340.9m + L.T.Debt 28.9m))
RoIC = -12.36% (NOPAT -42.1m / Invested Capital 340.9m)
WACC = 7.30% (E(1.57b)/V(1.80b) * Re(8.37%)) + (D(230.8m)/V(1.80b) * Rd(0.0%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 78.79 | Cagr: 0.58%
Discount Rate = 8.37% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 69.00% ; FCFE base≈33.3m ; Y1≈21.9m ; Y5≈9.99m
Fair Price DCF = 0.44 (DCF Value 185.9m / Shares Outstanding 420.1m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 88.68 | EPS CAGR: 157.0% | SUE: 1.22 | # QB: 2
Revenue Correlation: -39.69 | Revenue CAGR: -19.14% | SUE: 0.11 | # QB: 0
Additional Sources for CLOV Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle