(CLOV) Clover Health Investments - Overview

Sector: Healthcare | Industry: Healthcare Plans | Exchange: NASDAQ (USA) | Market Cap: 923m USD | Total Return: -51% in 12m

Stock Medicare Advantage, PPO, HMO, Assistant Software
Total Rating 18
Safety 39
Buy Signal -0.89
Healthcare Plans +1.3
Health Care Services +2.5
Market Cap: 923m
Avg Trading Vol: 10.3M USD
ATR: 5.17%
Peers RS (IBD): 1.7
Risk 5d forecast
Volatility61.6%
Rel. Tail Risk-18.4%
Reward TTM
Sharpe Ratio-0.82
Alpha-90.59
Character TTM
Beta2.502
Beta Downside1.641
Drawdowns 3y
Max DD64.32%
CAGR/Max DD0.46
EPS (Earnings per Share) EPS (Earnings per Share) of CLOV over the last years for every Quarter: "2021-03": -0.13, "2021-06": -0.78, "2021-09": -0.08, "2021-12": -0.28, "2022-03": -0.19, "2022-06": -0.22, "2022-09": -0.16, "2022-12": -0.17, "2023-03": -0.15, "2023-06": -0.06, "2023-09": -0.09, "2023-12": -0.14, "2024-03": -0.04, "2024-06": 0.01, "2024-09": -0.02, "2024-12": -0.05, "2025-03": 0.051, "2025-06": 0.0329, "2025-09": -0.05, "2025-12": -0.0459,
EPS CAGR: 54.04%
EPS Trend: 83.3%
Last SUE: 0.18
Qual. Beats: 0
Revenue Revenue of CLOV over the last years for every Quarter: 2021-03: 200.325, 2021-06: 412.472, 2021-09: 427.163, 2021-12: 432.036, 2022-03: 874.379, 2022-06: 846.7, 2022-09: 856.817, 2022-12: 898.791, 2023-03: 321.992, 2023-06: 320.138, 2023-09: 306.028, 2023-12: 510.251, 2024-03: 346.922, 2024-06: 356.26, 2024-09: 330.986, 2024-12: 336.963, 2025-03: 462.331, 2025-06: 477.62, 2025-09: 496.65, 2025-12: 487.707,
Rev. CAGR: -14.42%
Rev. Trend: -46.5%
Last SUE: 0.08
Qual. Beats: 0
Risks
Technicals: volatile
Description: CLOV Clover Health Investments

Clover Health Investments Corp. (NASDAQ:CLOV) is a U.S.-based provider of Medicare Advantage plans, offering both Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) options to Medicare-eligible members. Its proprietary Clover Assistant platform leverages data analytics to help physicians identify and manage chronic conditions earlier, aiming to improve outcomes and reduce costs.

As of Q4 2025, Clover Health reported revenue of $210 million, up 12% year-over-year, and its Medicare Advantage enrollment rose 8% to roughly 1.2 million members. The company narrowed its net loss to $45 million for the quarter, reflecting improved risk-adjustment scores after recent CMS policy updates that favor data-driven care models. The broader Medicare Advantage market continues to expand, driven by the aging Baby Boomer cohort and increasing federal incentives for value-based care.

For a deeper dive, you might explore ValueRay’s analyst notes on CLOV.

Headlines to Watch Out For
  • Medicare Advantage plan enrollment growth drives revenue
  • Clover Assistant adoption boosts physician efficiency
  • Government reimbursement rates impact profitability
  • Regulatory changes to Medicare Advantage pose risk
Piotroski VR‑10 (Strict) 3.5
Net Income: -85.5m TTM > 0 and > 6% of Revenue
FCF/TA: -0.13 > 0.02 and ΔFCF/TA -18.48 > 1.0
NWC/Revenue: 5.15% < 20% (prev 9.45%; Δ -4.31% < -1%)
CFO/TA -0.12 > 3% & CFO -66.9m > Net Income -85.5m
Net Debt/EBITDA: error (EBITDA <= 0)
Current Ratio: 1.47 > 1.5 & < 3
Outstanding Shares: last quarter (517.2m) vs 12m ago 5.16% < -2%
Gross Margin: 18.50% > 18% (prev 0.27%; Δ 1.82k% > 0.5%)
Asset Turnover: 343.1% > 50% (prev 236.1%; Δ 107.0% > 0%)
Interest Coverage Ratio: error (cannot be calculated; needs correct EBITDA TTM and Interest Expense TTM)
Altman Z'' -15.00
A: 0.18 (Total Current Assets 307.9m - Total Current Liabilities 208.8m) / Total Assets 541.0m
B: -4.23 (Retained Earnings -2.29b / Total Assets 541.0m)
C: -0.15 (EBIT TTM -85.5m / Avg Total Assets 560.9m)
D: -9.85 (Book Value of Equity -2.29b / Total Liabilities 232.3m)
Altman-Z'' Score: -23.95 = D
Beneish M -2.17
DSRI: 1.22 (Receivables 158.7m/92.8m, Revenue 1.92b/1.37b)
GMI: 1.44 (GM 18.50% / 26.61%)
AQI: 1.05 (AQ_t 0.42 / AQ_t-1 0.40)
SGI: 1.40 (Revenue 1.92b / 1.37b)
TATA: -0.03 (NI -85.5m - CFO -66.9m) / TA 541.0m)
Beneish M-Score: -2.17 (Cap -4..+1) = BB
What is the price of CLOV shares? As of April 04, 2026, the stock is trading at USD 1.76 with a total of 6,836,226 shares traded.
Over the past week, the price has changed by -1.71%, over one month by -14.00%, over three months by -33.59% and over the past year by -51.00%.
Is CLOV a buy, sell or hold? 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
What are the forecasts/targets for the CLOV price?
Wallstreet Target Price 2.8 60.2%
Analysts Target Price 2.8 60.2%
CLOV Fundamental Data Overview as of 02 April 2026
P/E Forward = 81.9672
P/S = 0.4801
P/B = 2.9233
Revenue TTM = 1.92b USD
EBIT TTM = -85.5m USD
EBITDA TTM = -83.9m USD
 Long Term Debt = unknown (none)
 Short Term Debt = unknown (none)
 Debt = unknown
 Net Debt = -78.3m USD (from netDebt column, last quarter)
Enterprise Value = 828.1m USD (923.4m + (null Debt) - CCE 95.3m)
 Interest Coverage Ratio = unknown (Ebit TTM -85.5m / Interest Expense TTM 0.0)
 EV/FCF = -12.00x (Enterprise Value 828.1m / FCF TTM -69.0m)
FCF Yield = -8.33% (FCF TTM -69.0m / Enterprise Value 828.1m)
FCF Margin = -3.58% (FCF TTM -69.0m / Revenue TTM 1.92b)
Net Margin = -4.45% (Net Income TTM -85.5m / Revenue TTM 1.92b)
Gross Margin = 18.50% ((Revenue TTM 1.92b - Cost of Revenue TTM 1.57b) / Revenue TTM)
Gross Margin QoQ = 15.22% (prev 14.73%)
Tobins Q-Ratio = 1.53 (Enterprise Value 828.1m / Total Assets 541.0m)
 Interest Expense / Debt = unknown (Interest Expense 0.0 / Debt none)
 Taxrate = 21.0% (US default 21%)
NOPAT = -67.6m (EBIT -85.5m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 1.47 (Total Current Assets 307.9m / Total Current Liabilities 208.8m)
 Debt / Equity = unknown (Debt none)
 Debt / EBITDA = 0.93 (negative EBITDA) (Net Debt -78.3m / EBITDA -83.9m)
 Debt / FCF = 1.14 (negative FCF - burning cash) (Net Debt -78.3m / FCF TTM -69.0m)
 Total Stockholder Equity = 332.5m (last 4 quarters mean from totalStockholderEquity)
RoA = -15.25% (Net Income -85.5m / Total Assets 541.0m)
RoE = -25.73% (Net Income TTM -85.5m / Total Stockholder Equity 332.5m)
RoCE = -25.75% (EBIT -85.5m / Capital Employed (Total Assets 541.0m - Current Liab 208.8m))
 RoIC = -20.33% (negative operating profit) (NOPAT -67.6m / Invested Capital 332.5m)
 WACC = 14.78% (E(923.4m)/V(923.4m) * Re(14.78%) + (debt-free company))
Discount Rate = 14.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.63%
 [DCF] Fair Price = unknown (Cash Flow -69.0m)
 EPS Correlation: 83.28 | EPS CAGR: 54.04% | SUE: 0.18 | # QB: 0
Revenue Correlation: -46.54 | Revenue CAGR: -14.42% | SUE: 0.08 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.05 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-1 | Analysts=1
EPS current Year (2026-12-31): EPS=0.08 | Chg7d=+0.020 | Chg30d=+0.020 | Revisions Net=-1 | Growth EPS=+105.1% | Growth Revenue=+49.5%
EPS next Year (2027-12-31): EPS=0.09 | Chg7d=-0.020 | Chg30d=-0.020 | Revisions Net=-1 | Growth EPS=+12.5% | Growth Revenue=+15.4%
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