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CLOVER HEALTH INVESTMENTS CO (CLOV) Stock Fundamental Analysis

NASDAQ:CLOV - US18914F1030 - Common Stock

2.62 USD
-0.01 (-0.38%)
Last: 8/29/2025, 8:13:43 PM
2.61 USD
-0.01 (-0.38%)
After Hours: 8/29/2025, 8:13:43 PM
Fundamental Rating

2

CLOV gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 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. CLOV is valied quite expensively at the moment, while it does show a decent growth rate.


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 (-7.50%) is worse than 72.55% of its industry peers.
CLOV's Return On Equity of -12.52% is in line compared to the rest of the industry. CLOV outperforms 40.20% of its industry peers.
Industry RankSector Rank
ROA -7.5%
ROE -12.52%
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

The Profit Margin and Operating Margin and Gross Margin are not available for CLOV so they could not be analyzed.
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 0.99, we must say that CLOV is in the distress zone and has some risk of bankruptcy.
CLOV's Altman-Z score of 0.99 is on the low side compared to the rest of the industry. CLOV is outperformed by 70.59% 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 0.99
ROIC/WACCN/A
WACC8.87%
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

A Current Ratio of 1.80 indicates that CLOV should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.80, CLOV is doing good in the industry, outperforming 66.67% of the companies in the same industry.
CLOV has a Quick 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.
CLOV has a better Quick ratio (1.80) than 67.65% 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

CLOV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 69.23%, which is quite impressive.
Looking at the last year, CLOV shows a decrease in Revenue. The Revenue has decreased by -5.17% in the last year.
The Revenue has been decreasing by -2.34% on average over the past years.
EPS 1Y (TTM)69.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-300%
Revenue 1Y (TTM)-5.17%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%34.07%

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 19.66% yearly.
EPS Next Y-36%
EPS Next 2Y-3.76%
EPS Next 3Y22.32%
EPS Next 5Y40.11%
Revenue Next Year23.9%
Revenue Next 2Y25.47%
Revenue Next 3Y21.48%
Revenue Next 5Y19.66%

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 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

CLOV reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for CLOV. No positive earnings are expected for the next year.
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

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 22.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.76%
EPS Next 3Y22.32%

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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 (8/29/2025, 8:13:43 PM)

After market: 2.61 -0.01 (-0.38%)

2.62

-0.01 (-0.38%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)08-05 2025-08-05/amc
Earnings (Next)11-04 2025-11-04/amc
Inst Owners27.27%
Inst Owner Change38.51%
Ins Owners3.21%
Ins Owner Change-3.7%
Market Cap1.34B
Analysts76.36
Price Target3.34 (27.48%)
Short Float %10.17%
Short Ratio4
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)-20.24%
PT rev (3m)-21.2%
EPS NQ rev (1m)-7.69%
EPS NQ rev (3m)-40%
EPS NY rev (1m)4%
EPS NY rev (3m)4%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)10.84%
Revenue NY rev (1m)0.95%
Revenue NY rev (3m)0.95%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.84
P/FCF N/A
P/OCF N/A
P/B 3.9
P/tB 3.94
EV/EBITDA N/A
EPS(TTM)-0.08
EYN/A
EPS(NY)-0.1
Fwd EYN/A
FCF(TTM)-0.09
FCFYN/A
OCF(TTM)-0.09
OCFYN/A
SpS3.14
BVpS0.67
TBVpS0.67
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -7.5%
ROE -12.52%
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-Score6
Asset Turnover2.8
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 95.14%
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 0.99
F-Score6
WACC8.87%
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)69.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-300%
EPS Next Y-36%
EPS Next 2Y-3.76%
EPS Next 3Y22.32%
EPS Next 5Y40.11%
Revenue 1Y (TTM)-5.17%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%34.07%
Revenue Next Year23.9%
Revenue Next 2Y25.47%
Revenue Next 3Y21.48%
Revenue Next 5Y19.66%
EBIT growth 1Y58.45%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year196.09%
EBIT Next 3Y61.57%
EBIT Next 5YN/A
FCF growth 1Y-344.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-290.74%
OCF growth 3YN/A
OCF growth 5YN/A