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CLOVER HEALTH INVESTMENTS CO (CLOV) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:CLOV - US18914F1030 - Common Stock

2.58 USD
-0.08 (-3.01%)
Last: 12/5/2025, 5:46:32 PM
2.58 USD
0 (0%)
After Hours: 12/5/2025, 5:46:32 PM
Fundamental Rating

2

CLOV gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 101 industry peers in the Health Care Providers & Services industry. CLOV scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CLOV is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

CLOV had negative earnings in the past year.
In the past year CLOV has reported a negative cash flow from operations.
In the past 5 years CLOV always reported negative net income.
CLOV had negative operating cash flow in 4 of the past 5 years.
CLOV Yearly Net Income VS EBIT VS OCF VS FCFCLOV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 -200M -400M -600M

1.2 Ratios

CLOV has a worse Return On Assets (-7.55%) than 71.29% of its industry peers.
Looking at the Return On Equity, with a value of -12.63%, CLOV is doing worse than 60.40% of the companies in the same industry.
Industry RankSector Rank
ROA -7.55%
ROE -12.62%
ROIC N/A
ROA(3y)-28.87%
ROA(5y)-29.84%
ROE(3y)-60.67%
ROE(5y)-58.53%
ROIC(3y)N/A
ROIC(5y)N/A
CLOV Yearly ROA, ROE, ROICCLOV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 -20 -40 -60 -80 -100

1.3 Margins

CLOV does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CLOV Yearly Profit, Operating, Gross MarginsCLOV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 -10 -20 -30 -40

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5

2. Health

2.1 Basic Checks

CLOV does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CLOV has more shares outstanding
Compared to 5 years ago, CLOV has more shares outstanding
There is no outstanding debt for CLOV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CLOV Yearly Shares OutstandingCLOV Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
CLOV Yearly Total Debt VS Total AssetsCLOV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

CLOV has an Altman-Z score of 1.06. This is a bad value and indicates that CLOV is not financially healthy and even has some risk of bankruptcy.
CLOV has a worse Altman-Z score (1.06) than 69.31% of its industry peers.
CLOV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 1.06
ROIC/WACCN/A
WACC8.75%
CLOV Yearly LT Debt VS Equity VS FCFCLOV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 200M -200M 400M 600M

2.3 Liquidity

CLOV has a Current Ratio of 1.80. This is a normal value and indicates that CLOV is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Current ratio value of 1.80, CLOV is doing good in the industry, outperforming 70.30% of the companies in the same industry.
A Quick Ratio of 1.80 indicates that CLOV should not have too much problems paying its short term obligations.
The Quick ratio of CLOV (1.80) is better than 72.28% of its industry peers.
Industry RankSector Rank
Current Ratio 1.8
Quick Ratio 1.8
CLOV Yearly Current Assets VS Current LiabilitesCLOV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 42.11% over the past year.
The Revenue has grown by 8.77% in the past year. This is quite good.
The Revenue has been decreasing by -2.34% on average over the past years.
EPS 1Y (TTM)42.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
Revenue 1Y (TTM)8.77%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%50.05%

3.2 Future

Based on estimates for the next years, CLOV will show a very strong growth in Earnings Per Share. The EPS will grow by 40.11% on average per year.
CLOV is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.46% yearly.
EPS Next Y-20.89%
EPS Next 2Y57.83%
EPS Next 3Y47.21%
EPS Next 5Y40.11%
Revenue Next Year24.42%
Revenue Next 2Y27.89%
Revenue Next 3Y21.48%
Revenue Next 5Y19.46%

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
CLOV Yearly Revenue VS EstimatesCLOV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 1B 2B 3B 4B 5B
CLOV Yearly EPS VS EstimatesCLOV Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 -0.5 -1

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CLOV. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 58.38 indicates a quite expensive valuation of CLOV.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CLOV is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.10, CLOV is valued quite expensively.
Industry RankSector Rank
PE N/A
Fwd PE 58.38
CLOV Price Earnings VS Forward Price EarningsCLOV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CLOV Per share dataCLOV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

CLOV's earnings are expected to grow with 47.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y57.83%
EPS Next 3Y47.21%

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0

5. Dividend

5.1 Amount

CLOV does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CLOVER HEALTH INVESTMENTS CO

NASDAQ:CLOV (12/5/2025, 5:46:32 PM)

After market: 2.58 0 (0%)

2.58

-0.08 (-3.01%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners35.27%
Inst Owner Change-7.5%
Ins Owners3.33%
Ins Owner Change-5%
Market Cap1.33B
Revenue(TTM)1.37B
Net Income(TTM)-43.43M
Analysts77.78
Price Target3.3 (27.91%)
Short Float %10.61%
Short Ratio4.37
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)64.35%
Min EPS beat(2)28.7%
Max EPS beat(2)100%
EPS beat(4)4
Avg EPS beat(4)54.84%
Min EPS beat(4)28.7%
Max EPS beat(4)100%
EPS beat(8)8
Avg EPS beat(8)50.41%
EPS beat(12)12
Avg EPS beat(12)45.64%
EPS beat(16)14
Avg EPS beat(16)39.67%
Revenue beat(2)0
Avg Revenue beat(2)-2.74%
Min Revenue beat(2)-5.47%
Max Revenue beat(2)-0.01%
Revenue beat(4)0
Avg Revenue beat(4)-6.35%
Min Revenue beat(4)-13.64%
Max Revenue beat(4)-0.01%
Revenue beat(8)3
Avg Revenue beat(8)-2.09%
Revenue beat(12)7
Avg Revenue beat(12)0.58%
Revenue beat(16)11
Avg Revenue beat(16)1.43%
PT rev (1m)-11.42%
PT rev (3m)-1.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)20%
EPS NY rev (1m)8.57%
EPS NY rev (3m)11.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.42%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 58.38
P/S 0.83
P/FCF N/A
P/OCF N/A
P/B 3.88
P/tB 3.91
EV/EBITDA N/A
EPS(TTM)-0.11
EYN/A
EPS(NY)0.04
Fwd EY1.71%
FCF(TTM)-0.09
FCFYN/A
OCF(TTM)-0.09
OCFYN/A
SpS3.11
BVpS0.67
TBVpS0.66
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -7.55%
ROE -12.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-28.87%
ROA(5y)-29.84%
ROE(3y)-60.67%
ROE(5y)-58.53%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover2.8
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 95.45%
Cap/Sales 0.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.8
Quick Ratio 1.8
Altman-Z 1.06
F-Score6
WACC8.75%
ROIC/WACCN/A
Cap/Depr(3y)172.01%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.1%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)42.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
EPS Next Y-20.89%
EPS Next 2Y57.83%
EPS Next 3Y47.21%
EPS Next 5Y40.11%
Revenue 1Y (TTM)8.77%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%50.05%
Revenue Next Year24.42%
Revenue Next 2Y27.89%
Revenue Next 3Y21.48%
Revenue Next 5Y19.46%
EBIT growth 1Y58.46%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year195.47%
EBIT Next 3Y61.57%
EBIT Next 5YN/A
FCF growth 1Y-346.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-291.84%
OCF growth 3YN/A
OCF growth 5YN/A

CLOVER HEALTH INVESTMENTS CO / CLOV FAQ

What is the ChartMill fundamental rating of CLOVER HEALTH INVESTMENTS CO (CLOV) stock?

ChartMill assigns a fundamental rating of 2 / 10 to CLOV.


What is the valuation status of CLOVER HEALTH INVESTMENTS CO (CLOV) stock?

ChartMill assigns a valuation rating of 1 / 10 to CLOVER HEALTH INVESTMENTS CO (CLOV). This can be considered as Overvalued.


What is the profitability of CLOV stock?

CLOVER HEALTH INVESTMENTS CO (CLOV) has a profitability rating of 0 / 10.