CLOV Stock Analysis: Clover Health Investments | NASDAQ
Healthcare Plans | NASDAQ, USA | Market Cap: 2.770m USD | 12M Return: 45.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 40.8M
Qual. Beats: 0
Rev. Trend: 7.6%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 6 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. (NASDAQ: CLOV) provides Medicare Advantage plans in the United States, offering both PPO and HMO products to Medicare-eligible individuals. The company sits within the GICS Health Care Services sub-industry and is classified as a mid-cap stock.
In addition to its insurance operations, Clover operates Clover Assistant, a proprietary software platform that helps physicians detect, identify, and manage chronic diseases. This combination of insurance underwriting and clinical decision-support software reflects the broader Medicare Advantage industry shift toward tech-enabled care management, where private plans increasingly rely on data tools to control medical costs and improve member outcomes.
The company was founded in 2014 and is headquartered in Wilmington, Delaware.
- CMS rate notice sets Medicare Advantage reimbursement outlook
- Medical loss ratio trends signal path to profitability
- Clover Assistant adoption drives software revenue and care efficiency
| Net Income: -56.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 9.30 > 1.0 |
| NWC/Revenue: 5.04% < 20% (prev 7.79%; Δ -2.75% < -1%) |
| CFO/TA 0.08 > 3% & CFO 57.3m > 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 26.37%; Δ -7.98% > 0.5%) |
| Asset Turnover: 345.1% > 50% (prev 254.7%; Δ 90.44% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT 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: 0.95 (Book Value of Equity 339.4m / Total Liabilities 358.3m) |
| Altman-Z'' = -9.12 = D |
| DSRI: 0.99 (Receivables 202.7m/138.3m, Revenue 2.21b/1.49b) |
| GMI: 1.43 (GM 26.37% / 18.39%) |
| AQI: 0.82 (AQ_t 0.35 / AQ_t-1 0.42) |
| SGI: 1.49 (Revenue 2.21b / 1.49b) |
| TATA: -0.16 (NI -56.9m - CFO 57.3m) / TA 697.7m) |
| Beneish M = -2.42 (Cap -4..+1) = BBB |
As of July 11, 2026, the stock is trading at USD 4.44 with a total of 6,004,154 shares traded. Over the past week, the price has changed by -15.59%, over one month by -9.20%, over three months by +130.05% and over the past year by +45.57%.
Current recommended Stop Loss: 4.10 (which is 7.7% 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 | 4.2 | -6.5% |
P/E Forward = 81.9672
P/S = 1.2533
P/B = 8.3791
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 = 2.60b USD (2.77b + Debt 3.67m - CCE 177.6m)
Interest Coverage Ratio = unknown (Ebit TTM -56.9m / Interest Expense TTM 0.0)
EV/FCF = 47.60x (Enterprise Value 2.60b / FCF TTM 54.5m)
FCF Yield = 2.10% (FCF TTM 54.5m / Enterprise Value 2.60b)
FCF Margin = 2.47% (FCF TTM 54.5m / 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 = 3.72 (Enterprise Value 2.60b / Total Assets 697.7m)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 3.67m)
Taxrate = 21.0% (US federal 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 = -3.19 (Net Debt -173.9m / FCF TTM 54.5m)
Total Stockholder Equity = 333.3m (last 4 quarters mean from totalStockholderEquity)
RoA = -8.89% (Net Income -56.9m / Total Assets 697.7m)
RoE = -17.08% (Net Income TTM -56.9m / Total Stockholder Equity 333.3m)
RoCE = -15.77% (EBIT -56.9m / Capital Employed (Total Assets 697.7m - Current Liab 336.6m))
RoIC = -17.95% (negative operating profit) (NOPAT -45.0m / Invested Capital 250.6m)
WACC = 12.63% (E(2.77b)/V(2.77b) * Re(12.65%) + D(3.67m)/V(2.77b) * Rd(0.0%) * (1-Tc(0.21)))
Discount Rate = 12.65% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 55.56 | Cagr: 4.57%
[DCF] Terminal Value 61.98% ; FCFF base≈54.5m ; Y1≈54.8m ; Y5≈58.0m
[DCF] Fair Price = 1.62 (EV 522.3m - Net Debt -173.9m = Equity 696.2m / Shares 431.0m; r=12.63% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.0 | # 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=-25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.00 | Chg30d=N/A | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=0.09 | Chg30d=+12.50% | Revisions=-25% | GrowthEPS=+130.8% | GrowthRev=+51.2%
EPS next Year (2027-12-31): EPS=0.10 | Chg30d=+11.11% | Revisions=-25% | GrowthEPS=+11.1% | GrowthRev=+14.2%