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CLOVER HEALTH INVESTMENTS CO (CLOV) Stock Fundamental Analysis

NASDAQ:CLOV - Nasdaq - US18914F1030 - Common Stock - Currency: USD

2.825  -0.19 (-6.46%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CLOV. CLOV was compared to 103 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. While showing a medium growth rate, CLOV is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year CLOV has reported negative net income.
In the past year CLOV has reported a negative cash flow from operations.
In the past 5 years CLOV always reported negative net income.
In the past 5 years CLOV reported 4 times negative operating cash flow.
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

The Return On Assets of CLOV (-4.30%) is worse than 65.05% of its industry peers.
CLOV has a Return On Equity (-7.47%) which is in line with its industry peers.
Industry RankSector Rank
ROA -4.3%
ROE -7.47%
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
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
CLOV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

Based on the Altman-Z score of 1.08, we must say that CLOV is in the distress zone and has some risk of bankruptcy.
CLOV has a Altman-Z score of 1.08. This is in the lower half of the industry: CLOV underperforms 67.96% of its industry peers.
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 RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 1.08
ROIC/WACCN/A
WACC9.02%
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 1.54. This is a normal value and indicates that CLOV is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of CLOV (1.54) is comparable to the rest of the industry.
CLOV has a Quick Ratio of 1.54. This is a normal value and indicates that CLOV is financially healthy and should not expect problems in meeting its short term obligations.
CLOV's Quick ratio of 1.54 is in line compared to the rest of the industry. CLOV outperforms 57.28% of its industry peers.
Industry RankSector Rank
Current Ratio 1.54
Quick Ratio 1.54
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 84.85% over the past year.
CLOV shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.77%.
CLOV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.34% yearly.
EPS 1Y (TTM)84.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)-19.77%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%33.27%

3.2 Future

The Earnings Per Share is expected to grow by 41.27% on average over the next years. This is a very strong growth
Based on estimates for the next years, CLOV will show a quite strong growth in Revenue. The Revenue will grow by 14.96% on average per year.
EPS Next Y-41.67%
EPS Next 2Y-18.23%
EPS Next 3Y24.79%
EPS Next 5Y41.27%
Revenue Next Year22.74%
Revenue Next 2Y22.47%
Revenue Next 3Y17.36%
Revenue Next 5Y14.96%

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
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

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 RankSector Rank
PE N/A
Fwd PE N/A
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

4.3 Compensation for Growth

CLOV's earnings are expected to grow with 24.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.23%
EPS Next 3Y24.79%

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0

5. Dividend

5.1 Amount

No dividends for CLOV!.
Industry RankSector Rank
Dividend Yield N/A

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CLOVER HEALTH INVESTMENTS CO

NASDAQ:CLOV (6/23/2025, 12:05:08 PM)

2.825

-0.19 (-6.46%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners26.15%
Inst Owner Change16.36%
Ins Owners3.36%
Ins Owner Change-3.77%
Market Cap1.44B
Analysts76.36
Price Target4.18 (47.96%)
Short Float %5.11%
Short Ratio3.39
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)69.83%
Min EPS beat(2)39.67%
Max EPS beat(2)100%
EPS beat(4)4
Avg EPS beat(4)77.7%
Min EPS beat(4)39.67%
Max EPS beat(4)120.14%
EPS beat(8)8
Avg EPS beat(8)54.43%
EPS beat(12)11
Avg EPS beat(12)42.86%
EPS beat(16)13
Avg EPS beat(16)8.81%
Revenue beat(2)0
Avg Revenue beat(2)-11.46%
Min Revenue beat(2)-13.64%
Max Revenue beat(2)-9.27%
Revenue beat(4)1
Avg Revenue beat(4)-6.52%
Min Revenue beat(4)-13.64%
Max Revenue beat(4)3.1%
Revenue beat(8)4
Avg Revenue beat(8)-2.24%
Revenue beat(12)8
Avg Revenue beat(12)0.42%
Revenue beat(16)12
Avg Revenue beat(16)7.25%
PT rev (1m)-1.2%
PT rev (3m)-1.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)72.5%
EPS NY rev (1m)0%
EPS NY rev (3m)9.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.5%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.97
P/FCF N/A
P/OCF N/A
P/B 4.28
P/tB 4.32
EV/EBITDA N/A
EPS(TTM)-0.05
EYN/A
EPS(NY)-0.13
Fwd EYN/A
FCF(TTM)-0.02
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS2.92
BVpS0.66
TBVpS0.65
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.3%
ROE -7.47%
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)-28.89%
ROA(5y)-29.85%
ROE(3y)-60.71%
ROE(5y)-58.55%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover2.55
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 87.63%
Cap/Sales 0.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.54
Quick Ratio 1.54
Altman-Z 1.08
F-Score5
WACC9.02%
ROIC/WACCN/A
Cap/Depr(3y)171.94%
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)84.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y-41.67%
EPS Next 2Y-18.23%
EPS Next 3Y24.79%
EPS Next 5Y41.27%
Revenue 1Y (TTM)-19.77%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%33.27%
Revenue Next Year22.74%
Revenue Next 2Y22.47%
Revenue Next 3Y17.36%
Revenue Next 5Y14.96%
EBIT growth 1Y81.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year196.09%
EBIT Next 3Y61.57%
EBIT Next 5YN/A
FCF growth 1Y88.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y89.13%
OCF growth 3YN/A
OCF growth 5YN/A