Overview Dividends

(CLOV) Clover Health Investments - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US18914F1030

Medicare Advantage Plans, Provider Plans, Chronic Disease Software

Health Care Services
Market Cap in USD: 1,214m

IPO / Inception: 2001-01-02
Return 12m vs S&P 500: -34.4%

EPS (Earnings per Share)

EPS CAGR: 63.67%
EPS Trend: 87.0%

Last SUE: 1.15
Qual. Beats: 1

Revenue

Rev. CAGR: 3.79%
Rev. Trend: -45.4%

Last SUE: 0.10
Qual. Beats: 0

Dividends

Currently no dividends paid

Risk via 5d forecast
Volatility	76.7%
Value at Risk 5%th	105%
Relative Tail Risk	-16.56%

Reward TTM
Sharpe Ratio	-0.01
Alpha	-34.96
CAGR/Max DD	0.55

Character TTM
Hurst Exponent	0.557
Beta	0.894
Beta Downside	1.144

Drawdowns 3y
Max DD	60.15%
Mean DD	29.05%
Median DD	31.08%

Description: CLOV Clover Health Investments November 14, 2025

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. The firm’s proprietary Clover Assistant platform leverages data analytics to help physicians identify and manage chronic conditions earlier, aiming to improve outcomes and reduce costs.

Recent data (Q2 2024) show Clover Health’s Medicare Advantage enrollment grew ~12% year-over-year to roughly 170,000 members, while revenue rose to $210 million, albeit with a net loss of $45 million as the company invests heavily in technology and marketing. Key sector drivers include the aging U.S. population-projected to add 10 million new Medicare beneficiaries by 2030-and increasing payer preference for value-based care models, which favor platforms like Clover Assistant that can demonstrate cost savings.

If you want a more granular, data-driven view of CLOV’s valuation and risk profile, ValueRay’s analytical dashboards can provide the deeper insight needed for informed decision-making.

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (-58.3m TTM) > 0 and > 6% of Revenue (6% = 106.4m TTM)

FCFTA -0.15 (>2.0%) and ΔFCFTA 5.76pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 7.75% (prev 9.91%; Δ -2.16pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.15 (>3.0%) and CFO -84.6m <= Net Income -58.3m (YES >=105%, WARN >=100%)

NO Net Debt/EBITDA fails (EBITDA <= 0)

Current Ratio 1.71 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (512.7m) change vs 12m ago 4.60% (target <= -2.0% for YES)

Gross Margin 21.18% (prev 21.57%; Δ -0.39pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 292.5% (prev 236.5%; Δ 56.00pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM)

Altman Z'' -22.82

(A) 0.25 = (Total Current Assets 330.9m - Total Current Liabilities 193.4m) / Total Assets 559.7m

(B) -4.00 = Retained Earnings (Balance) -2.24b / Total Assets 559.7m

warn (B) unusual magnitude: -4.00 — check mapping/units

(D) -10.23 = Book Value of Equity -2.24b / Total Liabilities 218.7m

Total Rating: -22.82 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 25.13

1. Piotroski 2.50pt

2. FCF Yield -8.54%

3. FCF Margin -4.87%

4. Debt/Equity data missing

5. Debt/Ebitda 3.39

6. ROIC - WACC (= -22.70)%

7. RoE -17.12%

8. Rev. Trend -45.39%

9. EPS Trend 86.97%

What is the price of CLOV shares?

As of January 07, 2026, the stock is trading at USD 2.59 with a total of 6,572,634 shares traded.
Over the past week, the price has changed by +4.44%, over one month by +0.39%, over three months by -1.15% and over the past year by -23.37%.

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.

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	3.2	24.7%
Analysts Target Price	3.2	24.7%
ValueRay Target Price	2.3	-12%

CLOV Fundamental Data Overview January 03, 2026

Market Cap USD = 1.21b (1.21b USD * 1.0 USD.USD)
P/E Forward = 98.0392
P/S = 0.6846
P/B = 3.5614
Beta = 2.253
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 = 1.01b USD (1.21b + (null Debt) - CCE 202.8m)
Interest Coverage Ratio = unknown (Ebit TTM -57.7m / Interest Expense TTM 0.0)
FCF Yield = -8.54% (FCF TTM -86.4m / Enterprise Value 1.01b)
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 = 1.81 (Enterprise Value 1.01b / 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 = -10.42% (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 = 9.31% (E(1.21b)/V(1.21b) * Re(9.31%) + (debt-free company))
Discount Rate = 9.31% (= 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=+37.7%

Additional Sources for CLOV Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle