2.59 USD
-0.09 (-3.36%)
2.6 USD
+0.01 (+0.39%)
Taking everything into account, CLOV scores 2 out of 10 in our fundamental rating. CLOV was compared to 102 industry peers in the Health Care Providers & Services industry. The financial health of CLOV is average, but there are quite some concerns on its profitability. While showing a medium growth rate, CLOV is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- In the past year CLOV has reported negative net income.
- CLOV had a negative operating cash flow in the past year.
- In the past 5 years CLOV always reported negative net income.
- CLOV had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a Return On Assets value of -10.40%, CLOV is not doing good in the industry: 71.57% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of -17.08%, CLOV is doing worse than 61.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -10.4% | ||
| ROE | -17.08% | ||
| ROIC | N/A |
ROA(3y)-28.89%
ROA(5y)-29.85%
ROE(3y)-60.71%
ROE(5y)-58.55%
ROIC(3y)N/A
ROIC(5y)N/A
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 Rank | Sector 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
2. Health
2.1 Basic Checks
- CLOV does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for CLOV has been increased compared to 1 year ago.
- Compared to 5 years ago, CLOV has more shares outstanding
- CLOV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- Based on the Altman-Z score of 1.32, we must say that CLOV is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of 1.32, CLOV is not doing good in the industry: 67.65% of the companies in the same industry are doing better.
- 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.32 |
ROIC/WACCN/A
WACC8.92%
2.3 Liquidity
- A Current Ratio of 1.71 indicates that CLOV should not have too much problems paying its short term obligations.
- CLOV's Current ratio of 1.71 is fine compared to the rest of the industry. CLOV outperforms 67.65% of its industry peers.
- CLOV has a Quick Ratio of 1.71. This is a normal value and indicates that CLOV is financially healthy and should not expect problems in meeting its short term obligations.
- CLOV has a Quick ratio of 1.71. This is in the better half of the industry: CLOV outperforms 72.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.71 | ||
| Quick Ratio | 1.71 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 42.11% over the past year.
- Looking at the last year, CLOV shows a quite strong growth in Revenue. The Revenue has grown by 14.84% in the last year.
- 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)14.84%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%50.05%
3.2 Future
- The Earnings Per Share is expected to grow by 40.11% on average over the next years. This is a very strong growth
- 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-96.44%
EPS Next 2Y30.3%
EPS Next 3Y33.82%
EPS Next 5Y40.11%
Revenue Next Year25.45%
Revenue Next 2Y31.43%
Revenue Next 3Y25.37%
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.
4. Valuation
4.1 Price/Earnings Ratio
- CLOV reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- Also next year CLOV is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A more expensive valuation may be justified as CLOV's earnings are expected to grow with 33.82% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.3%
EPS Next 3Y33.82%
5. Dividend
5.1 Amount
- CLOV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 for 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.
Can you provide the expected EPS growth for CLOV stock?
The Earnings per Share (EPS) of CLOVER HEALTH INVESTMENTS CO (CLOV) is expected to decline by -96.44% in the next year.