CLOVER HEALTH INVESTMENTS CO (CLOV) Fundamental Analysis & Valuation

NASDAQ:CLOV • US18914F1030

Current stock price

1.82 USD
0 (0%)
At close:
1.82 USD
0 (0%)
Pre-Market:

This CLOV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

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1. CLOV Profitability Analysis

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.
  • CLOV had negative earnings in each of the past 5 years.
  • 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 2025 0 -200M -400M -600M

1.2 Ratios

  • CLOV has a Return On Assets of -15.81%. This is in the lower half of the industry: CLOV underperforms 77.00% of its industry peers.
  • The Return On Equity of CLOV (-27.71%) is worse than 66.00% of its industry peers.
Industry RankSector Rank
ROA -15.81%
ROE -27.71%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 2025 -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 2025 -10 -20 -30 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. CLOV Health Analysis

2.1 Basic Checks

  • CLOV does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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

  • Based on the Altman-Z score of -0.20, we must say that CLOV is in the distress zone and has some risk of bankruptcy.
  • CLOV has a Altman-Z score of -0.20. This is amonst the worse of the industry: CLOV underperforms 80.00% 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 -0.2
ROIC/WACCN/A
WACC8.97%
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 2025 0 200M -200M 400M 600M

2.3 Liquidity

  • CLOV has a Current Ratio of 1.47. 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 Current ratio value of 1.47, CLOV perfoms like the industry average, outperforming 59.00% of the companies in the same industry.
  • A Quick Ratio of 1.47 indicates that CLOV should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.47, CLOV is doing good in the industry, outperforming 63.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.47
Quick Ratio 1.47
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CLOV Growth Analysis

3.1 Past

  • The earnings per share for CLOV have decreased strongly by -88.89% in the last year.
  • CLOV shows a strong growth in Revenue. In the last year, the Revenue has grown by 40.34%.
  • The Revenue for CLOV have been decreasing by -17.90% on average. This is quite bad
EPS 1Y (TTM)-88.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
Revenue 1Y (TTM)40.34%
Revenue growth 3Y-17.9%
Revenue growth 5YN/A
Sales Q2Q%44.74%

3.2 Future

  • CLOV is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.62% yearly.
  • Based on estimates for the next years, CLOV will show a quite strong growth in Revenue. The Revenue will grow by 18.01% on average per year.
EPS Next Y86%
EPS Next 2Y44.22%
EPS Next 3Y34.81%
EPS Next 5Y39.62%
Revenue Next Year50.82%
Revenue Next 2Y32.1%
Revenue Next 3Y24.8%
Revenue Next 5Y18.01%

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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Find the best growth stocksShow best growing peers

1

4. CLOV Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for CLOV. In the last year negative earnings were reported.
  • 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 40 -40 -60

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

  • A more expensive valuation may be justified as CLOV's earnings are expected to grow with 34.81% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y44.22%
EPS Next 3Y34.81%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

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5. CLOV Dividend Analysis

5.1 Amount

  • No dividends for CLOV!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CLOV Fundamentals: All Metrics, Ratios and Statistics

CLOVER HEALTH INVESTMENTS CO

NASDAQ:CLOV (3/25/2026, 8:18:15 PM)

Premarket: 1.82 0 (0%)

1.82

0 (0%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)02-26
Earnings (Next)05-04
Inst Owners30%
Inst Owner Change-8.89%
Ins Owners2.59%
Ins Owner Change-6.14%
Market Cap954.90M
Revenue(TTM)1.92B
Net Income(TTM)-85.55M
Analysts76
Price Target2.92 (60.44%)
Short Float %9.28%
Short Ratio6.47
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1
Avg EPS beat(2)-29.14%
Min EPS beat(2)-63.4%
Max EPS beat(2)5.12%
EPS beat(4)3
Avg EPS beat(4)17.61%
Min EPS beat(4)-63.4%
Max EPS beat(4)100%
EPS beat(8)7
Avg EPS beat(8)40.87%
EPS beat(12)11
Avg EPS beat(12)35.19%
EPS beat(16)14
Avg EPS beat(16)32.29%
Revenue beat(2)2
Avg Revenue beat(2)2.87%
Min Revenue beat(2)2.37%
Max Revenue beat(2)3.36%
Revenue beat(4)2
Avg Revenue beat(4)0.06%
Min Revenue beat(4)-5.47%
Max Revenue beat(4)3.36%
Revenue beat(8)4
Avg Revenue beat(8)-1.34%
Revenue beat(12)7
Avg Revenue beat(12)-0.39%
Revenue beat(16)11
Avg Revenue beat(16)1.46%
PT rev (1m)0%
PT rev (3m)-11.47%
EPS NQ rev (1m)649.63%
EPS NQ rev (3m)649.63%
EPS NY rev (1m)-16.65%
EPS NY rev (3m)12.52%
Revenue NQ rev (1m)9.5%
Revenue NQ rev (3m)9.5%
Revenue NY rev (1m)4.79%
Revenue NY rev (3m)9.54%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.5
P/FCF N/A
P/OCF N/A
P/B 3.09
P/tB 3.12
EV/EBITDA N/A
EPS(TTM)-0.17
EYN/A
EPS(NY)-0.02
Fwd EYN/A
FCF(TTM)-0.13
FCFYN/A
OCF(TTM)-0.13
OCFYN/A
SpS3.67
BVpS0.59
TBVpS0.58
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -15.81%
ROE -27.71%
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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-Score4
Asset Turnover3.56
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 121.17%
Cap/Sales 0.11%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.47
Quick Ratio 1.47
Altman-Z -0.2
F-Score4
WACC8.97%
ROIC/WACCN/A
Cap/Depr(3y)87.12%
Cap/Depr(5y)138.92%
Cap/Sales(3y)0.09%
Cap/Sales(5y)0.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-88.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
EPS Next Y86%
EPS Next 2Y44.22%
EPS Next 3Y34.81%
EPS Next 5Y39.62%
Revenue 1Y (TTM)40.34%
Revenue growth 3Y-17.9%
Revenue growth 5YN/A
Sales Q2Q%44.74%
Revenue Next Year50.82%
Revenue Next 2Y32.1%
Revenue Next 3Y24.8%
Revenue Next 5Y18.01%
EBIT growth 1Y-89.98%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year154.17%
EBIT Next 3Y47.64%
EBIT Next 5YN/A
FCF growth 1Y-307.21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-292.09%
OCF growth 3YN/A
OCF growth 5YN/A

CLOVER HEALTH INVESTMENTS CO / CLOV Fundamental Analysis 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 grow by 86% in the next year.