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CLOVER HEALTH INVESTMENTS CO (CLOV) Stock Fundamental Analysis

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

3.35  +0.01 (+0.3%)

After market: 3.3885 +0.04 (+1.15%)

Fundamental Rating

2

Overall CLOV gets a fundamental rating of 2 out of 10. We evaluated CLOV against 102 industry peers in the Health Care Providers & Services industry. While CLOV seems to be doing ok healthwise, there are quite some concerns on its profitability. CLOV is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

CLOV had negative earnings in the past year.
CLOV had a positive operating cash flow in the past year.
CLOV had negative earnings in each of the past 5 years.
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

CLOV has a worse Return On Assets (-7.41%) than 72.55% of its industry peers.
The Return On Equity of CLOV (-12.61%) is worse than 62.75% of its industry peers.
Industry RankSector Rank
ROA -7.41%
ROE -12.61%
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.
CLOV has more shares outstanding than it did 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.
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

CLOV has an Altman-Z score of 1.29. 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 1.29. This is in the lower half of the industry: CLOV underperforms 68.63% 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 0
Altman-Z 1.29
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 0 200M -200M 400M 600M

2.3 Liquidity

CLOV has a Current Ratio of 1.61. 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 1.61 is in line compared to the rest of the industry. CLOV outperforms 57.84% of its industry peers.
A Quick Ratio of 1.61 indicates that CLOV should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.61, CLOV is doing good in the industry, outperforming 60.78% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.61
Quick Ratio 1.61
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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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 79.55% over the past year.
The Revenue for CLOV has decreased by -32.58% in the past year. This is quite bad
Measured over the past years, CLOV shows a decrease in Revenue. The Revenue has been decreasing by -2.34% on average per year.
EPS 1Y (TTM)79.55%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%71.43%
Revenue 1Y (TTM)-32.58%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%-33.96%

3.2 Future

The Earnings Per Share is expected to grow by 22.81% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 14.48% on average over the next years. This is quite good.
EPS Next Y-104%
EPS Next 2Y-19.02%
EPS Next 3Y9.7%
EPS Next 5Y22.81%
Revenue Next Year30.75%
Revenue Next 2Y21.89%
Revenue Next 3Y18.19%
Revenue Next 5Y14.48%

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 2029 0 -0.2 -0.4 -0.6 -0.8 -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

4.2 Price Multiples

CLOV's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 50.89
EV/EBITDA N/A
CLOV Per share dataCLOV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 1 1.5 2 2.5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-19.02%
EPS Next 3Y9.7%

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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 (5/5/2025, 8:01:31 PM)

After market: 3.3885 +0.04 (+1.15%)

3.35

+0.01 (+0.3%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)02-27 2025-02-27/amc
Earnings (Next)05-06 2025-05-06/amc
Inst Owners22.66%
Inst Owner Change-0.2%
Ins Owners5.69%
Ins Owner Change-4.45%
Market Cap1.69B
Analysts76.36
Price Target4.23 (26.27%)
Short Float %3.12%
Short Ratio2.09
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)45.32%
Min EPS beat(2)39.67%
Max EPS beat(2)50.98%
EPS beat(4)4
Avg EPS beat(4)64.14%
Min EPS beat(4)39.67%
Max EPS beat(4)120.14%
EPS beat(8)8
Avg EPS beat(8)43.98%
EPS beat(12)11
Avg EPS beat(12)37.18%
EPS beat(16)12
Avg EPS beat(16)1.61%
Revenue beat(2)0
Avg Revenue beat(2)-9.97%
Min Revenue beat(2)-13.64%
Max Revenue beat(2)-6.29%
Revenue beat(4)2
Avg Revenue beat(4)-2.74%
Min Revenue beat(4)-13.64%
Max Revenue beat(4)5.88%
Revenue beat(8)5
Avg Revenue beat(8)-0.61%
Revenue beat(12)9
Avg Revenue beat(12)1.93%
Revenue beat(16)13
Avg Revenue beat(16)7.95%
PT rev (1m)0%
PT rev (3m)1.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-44.44%
EPS NY rev (1m)0%
EPS NY rev (3m)-30.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)16.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)15.66%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.24
P/FCF 50.89
P/OCF 48.62
P/B 4.97
P/tB 5.01
EV/EBITDA N/A
EPS(TTM)-0.09
EYN/A
EPS(NY)-0.18
Fwd EYN/A
FCF(TTM)0.07
FCFY1.96%
OCF(TTM)0.07
OCFY2.06%
SpS2.71
BVpS0.67
TBVpS0.67
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -7.41%
ROE -12.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 2.43%
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 Turnover2.36
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 116.91%
Cap/Sales 0.11%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.61
Quick Ratio 1.61
Altman-Z 1.29
F-Score6
WACC8.97%
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)79.55%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%71.43%
EPS Next Y-104%
EPS Next 2Y-19.02%
EPS Next 3Y9.7%
EPS Next 5Y22.81%
Revenue 1Y (TTM)-32.58%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%-33.96%
Revenue Next Year30.75%
Revenue Next 2Y21.89%
Revenue Next 3Y18.19%
Revenue Next 5Y14.48%
EBIT growth 1Y75.35%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year179.72%
EBIT Next 3Y63.58%
EBIT Next 5YN/A
FCF growth 1Y122.92%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y124.09%
OCF growth 3YN/A
OCF growth 5YN/A