CLOVER HEALTH INVESTMENTS CO (CLOV)
US18914F1030 - Common Stock
Taking everything into account, CLOV scores 2 out of 10 in our fundamental rating. CLOV was compared to 117 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. CLOV is valued expensive and it does not seem to be growing.
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 always reported negative operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of -37.39%, CLOV is doing worse than 85.34% of the companies in the same industry.
With a Return On Equity value of -74.50%, CLOV is not doing good in the industry: 71.55% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -37.39% | ||
| ROE | -74.5% | ||
| ROIC | N/A |
ROA(3y)-47.04%
ROA(5y)-28.38%
ROE(3y)-93.07%
ROE(5y)N/A
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.
CLOV has more shares outstanding than it did 1 year ago.
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
CLOV has an Altman-Z score of -1.74. This is a bad value and indicates that CLOV is not financially healthy and even has some risk of bankruptcy.
CLOV has a Altman-Z score of -1.74. This is in the lower half of the industry: CLOV underperforms 78.45% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -1.74 |
ROIC/WACCN/A
WACC9.31%
2.3 Liquidity
CLOV has a Current Ratio of 1.64. 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 Current ratio of 1.64 is fine compared to the rest of the industry. CLOV outperforms 64.66% of its industry peers.
A Quick Ratio of 1.64 indicates that CLOV should not have too much problems paying its short term obligations.
CLOV has a Quick ratio of 1.64. This is in the better half of the industry: CLOV outperforms 70.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.64 | ||
| Quick Ratio | 1.64 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 40.94% over the past year.
The Revenue for CLOV has decreased by -41.50% in the past year. This is quite bad
EPS 1Y (TTM)40.94%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q20%
Revenue 1Y (TTM)-41.5%
Revenue growth 3YN/A
Revenue growth 5YN/A
Revenue growth Q2Q-43.23%
3.2 Future
Based on estimates for the next years, CLOV will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.57% on average per year.
The Revenue is expected to decrease by -4.00% on average over the next years.
EPS Next Y48.84%
EPS Next 2Y24.11%
EPS Next 3Y17.97%
EPS Next 5Y18.57%
Revenue Next Year-36.38%
Revenue Next 2Y-18.36%
Revenue Next 3Y-11.2%
Revenue Next 5Y-4%
3.3 Evolution
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 17.97% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y24.11%
EPS Next 3Y17.97%
5. Dividend
5.1 Amount
CLOV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CLOVER HEALTH INVESTMENTS CO
NASDAQ:CLOV (4/29/2024, 2:19:37 PM)
0.6511
-0.03 (-4.25%)
Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap322.48M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -37.39% | ||
| ROE | -74.5% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover3.56
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.64 | ||
| Quick Ratio | 1.64 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)40.94%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y48.84%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-41.5%
Revenue growth 3YN/A
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y