CLOVER HEALTH INVESTMENTS CO (CLOV) Fundamental Analysis & Valuation

NASDAQ:CLOV • US18914F1030

Current stock price

2.4 USD
+0.17 (+7.62%)
Last:

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

0

1. CLOV Profitability Analysis

1.1 Basic Checks

  • In the past year CLOV has reported negative net income.
  • CLOV had a negative operating cash flow in the past year.
  • 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 worse Return On Assets (-15.81%) than 77.00% of its industry peers.
  • With a Return On Equity value of -27.71%, CLOV is not doing good in the industry: 67.00% of the companies in the same industry are doing better.
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

  • 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 2025 -10 -20 -30 -40

More info and screens

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 0.36, we must say that CLOV is in the distress zone and has some risk of bankruptcy.
  • CLOV's Altman-Z score of 0.36 is on the low side compared to the rest of the industry. CLOV is outperformed by 75.00% 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 0.36
ROIC/WACCN/A
WACC8.9%
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.
  • Looking at the Current ratio, with a value of 1.47, CLOV is in line with its industry, outperforming 57.00% of the companies in the same industry.
  • CLOV has a Quick 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.
  • Looking at the Quick ratio, with a value of 1.47, CLOV is in the better half of the industry, outperforming 61.00% 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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CLOV Growth Analysis

3.1 Past

  • CLOV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -88.89%.
  • Looking at the last year, CLOV shows a very strong growth in Revenue. The Revenue has grown by 40.34%.
  • Measured over the past years, CLOV shows a very negative growth in Revenue. The Revenue has been decreasing by -17.90% on average per year.
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.
  • The Revenue is expected to grow by 18.01% on average over the next years. This is quite good.
EPS Next Y98%
EPS Next 2Y43.53%
EPS Next 3Y33.14%
EPS Next 5Y39.62%
Revenue Next Year51.13%
Revenue Next 2Y32.04%
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

More info and screens

Find the best growth stocksShow best growing peers

1

4. CLOV Valuation Analysis

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 -200 -400 -600

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 33.14% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y43.53%
EPS Next 3Y33.14%

More info and screens

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

0

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 (4/21/2026, 11:45:05 AM)

2.4

+0.17 (+7.62%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners29.88%
Inst Owner Change0.08%
Ins Owners2.75%
Ins Owner Change-0.22%
Market Cap1.26B
Revenue(TTM)1.92B
Net Income(TTM)-85.55M
Analysts76
Price Target2.6 (8.33%)
Short Float %9.46%
Short Ratio6.75
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)-10.92%
PT rev (3m)-21.13%
EPS NQ rev (1m)-40%
EPS NQ rev (3m)349.78%
EPS NY rev (1m)85.73%
EPS NY rev (3m)87.51%
Revenue NQ rev (1m)0.36%
Revenue NQ rev (3m)9.9%
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)9.76%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.65
P/FCF N/A
P/OCF N/A
P/B 4.08
P/tB 4.12
EV/EBITDA N/A
EPS(TTM)-0.17
EYN/A
EPS(NY)0
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 Number0 (-100%)
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 0.36
F-Score4
WACC8.9%
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 Y98%
EPS Next 2Y43.53%
EPS Next 3Y33.14%
EPS Next 5Y39.62%
Revenue 1Y (TTM)40.34%
Revenue growth 3Y-17.9%
Revenue growth 5YN/A
Sales Q2Q%44.74%
Revenue Next Year51.13%
Revenue Next 2Y32.04%
Revenue Next 3Y24.8%
Revenue Next 5Y18.01%
EBIT growth 1Y-89.98%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year161.61%
EBIT Next 3Y45.81%
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.


How profitable is CLOVER HEALTH INVESTMENTS CO (CLOV) stock?

CLOVER HEALTH INVESTMENTS CO (CLOV) has a profitability rating of 0 / 10.