(CLOV) Clover Health Investments - Overview
Sector: Healthcare | Industry: Healthcare Plans | Exchange: NASDAQ (USA) | Market Cap: 1.785m USD | Total Return: 10.6% in 12m
Avg Turnover: 20.9M
Qual. Beats: 0
Rev. Trend: 7.6%
Qual. Beats: 1
Warnings
Altman Z'' -15.00 < 1.0 - financial distress zone
Choppy
Tailwinds
Rs(ibd) Leader, Idiosyncratic Leader
Clover Health Investments Corp. (CLOV) operates as a healthcare technology company providing Medicare Advantage plans through Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) structures. The firm integrates insurance coverage with its proprietary Clover Assistant software, a clinical decision-support tool designed to assist physicians in the early identification and management of chronic conditions.
The Medicare Advantage sector relies on a capitated payment model where private insurers receive fixed monthly payments from the federal government to manage member care. Clover Health distinguishes itself by utilizing a technology-first approach to reduce medical loss ratios through data-driven preventative care rather than traditional network restrictions.
Investors can further evaluate these operational metrics and financial trends by reviewing the detailed data available on ValueRay.
- Clover Assistant software licensing expansion drives high-margin recurring SaaS revenue
- Medical Loss Ratio improvements accelerate path toward consistent GAAP profitability
- Medicare Advantage star ratings impact federal reimbursement levels and member growth
- Regulatory changes in CMS benchmarks pressure overall plan premium revenue
- Shift to capital-light business model reduces reliance on external financing
| Net Income: -56.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 4.59 > 1.0 |
| NWC/Revenue: 5.04% < 20% (prev 7.79%; Δ -2.75% < -1%) |
| CFO/TA 0.03 > 3% & CFO 24.3m > Net Income -56.9m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 1.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (532.5m) vs 12m ago 7.13% < -2% |
| Gross Margin: 18.39% > 18% (prev 0.26%; Δ 1.81k% > 0.5%) |
| Asset Turnover: 345.1% > 50% (prev 254.7%; Δ 90.44% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBITDA TTM and Interest Expense TTM) |
| A: 0.16 (Total Current Assets 448.0m - Total Current Liabilities 336.6m) / Total Assets 697.7m |
| B: -3.24 (Retained Earnings -2.26b / Total Assets 697.7m) |
| C: -0.09 (EBIT TTM -56.9m / Avg Total Assets 640.7m) |
| D: -6.31 (Book Value of Equity -2.26b / Total Liabilities 358.3m) |
| Altman-Z'' = -16.74 = D |
| DSRI: 0.99 (Receivables 202.7m/138.3m, Revenue 2.21b/1.49b) |
| GMI: 1.43 (GM 18.39% / 26.37%) |
| AQI: 0.82 (AQ_t 0.35 / AQ_t-1 0.42) |
| SGI: 1.49 (Revenue 2.21b / 1.49b) |
| TATA: -0.12 (NI -56.9m - CFO 24.3m) / TA 697.7m) |
| Beneish M = -2.52 (Cap -4..+1) = A |
As of May 26, 2026, the stock is trading at USD 3.55 with a total of 4,710,104 shares traded.
Over the past week, the price has changed by +2.31%,
over one month by +46.09%,
over three months by +76.62% and
over the past year by +10.59%.
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 | 2.8 | -20.6% |
P/E Forward = 81.9672
P/S = 0.8078
P/B = 5.2758
Revenue TTM = 2.21b USD
EBIT TTM = -56.9m USD
EBITDA TTM = -55.2m USD
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 3.67m USD (Leases only: 3.67m)
Net Debt = -173.9m USD (calculated: Debt 3.67m - CCE 177.6m)
Enterprise Value = 1.61b USD (1.79b + Debt 3.67m - CCE 177.6m)
Interest Coverage Ratio = unknown (Ebit TTM -56.9m / Interest Expense TTM 0.0)
EV/FCF = 74.54x (Enterprise Value 1.61b / FCF TTM 21.6m)
FCF Yield = 1.34% (FCF TTM 21.6m / Enterprise Value 1.61b)
FCF Margin = 0.98% (FCF TTM 21.6m / Revenue TTM 2.21b)
Net Margin = -2.58% (Net Income TTM -56.9m / Revenue TTM 2.21b)
Gross Margin = 18.39% ((Revenue TTM 2.21b - Cost of Revenue TTM 1.80b) / Revenue TTM)
Gross Margin QoQ = 21.30% (prev 15.22%)
Tobins Q-Ratio = 2.31 (Enterprise Value 1.61b / Total Assets 697.7m)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 3.67m)
Taxrate = 21.0% (US default 21%)
NOPAT = -45.0m (EBIT -56.9m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 1.33 (Total Current Assets 448.0m / Total Current Liabilities 336.6m)
Debt / Equity = 0.01 (Debt 3.67m / totalStockholderEquity, last quarter 339.4m)
Debt / EBITDA = 3.15 (negative EBITDA) (Net Debt -173.9m / EBITDA -55.2m)
Debt / FCF = -8.04 (Net Debt -173.9m / FCF TTM 21.6m)
Total Stockholder Equity = 333.3m (last 4 quarters mean from totalStockholderEquity)
RoA = -8.89% (Net Income -56.9m / Total Assets 697.7m)
RoE = -2.19% (Net Income TTM -56.9m / Total Stockholder Equity 2.59b)
RoCE = -15.77% (EBIT -56.9m / Capital Employed (Total Assets 697.7m - Current Liab 336.6m))
RoIC = -12.46% (negative operating profit) (NOPAT -45.0m / Invested Capital 361.1m)
WACC = 14.12% (E(1.79b)/V(1.79b) * Re(14.15%) + D(3.67m)/V(1.79b) * Rd(0.0%) * (1-Tc(0.21)))
Discount Rate = 14.15% (= CAPM, Blume Beta Adj.) -> capped to 13.17%
Shares (quarterly) Correlation: 55.56 | Cagr: 4.57%
[DCF] Terminal Value 57.99% ; FCFF base≈21.6m ; Y1≈21.7m ; Y5≈23.0m
[DCF] Fair Price = 0.82 (EV 180.7m - Net Debt -173.9m = Equity 354.6m / Shares 431.0m; r=14.12% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.09 | # QB: 0
Revenue Correlation: 7.62 | Revenue CAGR: 1.50% | SUE: 2.64 | # QB: 1
EPS current Quarter (2026-06-30): EPS=0.05 | Chg30d=+0.00% | Revisions=-20% | Analysts=1
EPS current Year (2026-12-31): EPS=0.09 | Chg30d=+12.50% | Revisions=-20% | GrowthEPS=+130.8% | GrowthRev=+51.2%
EPS next Year (2027-12-31): EPS=0.10 | Chg30d=+11.11% | Revisions=-20% | GrowthEPS=+11.1% | GrowthRev=+14.2%