CLOVER HEALTH INVESTMENTS CO (CLOV) Stock Fundamental Analysis

NASDAQ:CLOV • US18914F1030

2.0656 USD
+0.06 (+2.77%)
Last: Feb 25, 2026, 10:02 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, CLOV scores 2 out of 10 in our fundamental rating. CLOV was compared to 101 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. While showing a medium growth rate, CLOV is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

0

1. Profitability

1.1 Basic Checks

  • CLOV had negative earnings in the past year.
  • In the past year CLOV has reported a negative cash flow from operations.
  • 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

  • With a Return On Assets value of -10.40%, CLOV is not doing good in the industry: 74.26% of the companies in the same industry are doing better.
  • The Return On Equity of CLOV (-17.08%) is worse than 63.37% of its industry peers.
Industry RankSector Rank
ROA -10.4%
ROE -17.08%
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

  • 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 -10 -20 -30 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

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 0.37. 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 0.37. This is in the lower half of the industry: CLOV underperforms 75.25% 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 0.37
ROIC/WACCN/A
WACC8.67%
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 1.71. This is a normal value and indicates that CLOV is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of CLOV (1.71) is better than 69.31% of its industry peers.
  • CLOV has a Quick Ratio of 1.71. 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 Quick ratio of 1.71. This is in the better half of the industry: CLOV outperforms 73.27% of its industry peers.
Industry RankSector Rank
Current Ratio 1.71
Quick Ratio 1.71
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. Growth

3.1 Past

  • CLOV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.11%, which is quite impressive.
  • Looking at the last year, CLOV shows a quite strong growth in Revenue. The Revenue has grown by 14.84% in the last year.
  • CLOV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.34% yearly.
EPS 1Y (TTM)42.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
Revenue 1Y (TTM)14.84%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%50.05%

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
  • The Revenue is expected to grow by 19.46% on average over the next years. This is quite good.
EPS Next Y-96.44%
EPS Next 2Y33.17%
EPS Next 3Y32.04%
EPS Next 5Y40.11%
Revenue Next Year25.45%
Revenue Next 2Y34.37%
Revenue Next 3Y26.49%
Revenue Next 5Y19.46%

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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. Valuation

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 -60 -80 -100

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 32.04% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y33.17%
EPS Next 3Y32.04%

More info and screens

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

0

5. Dividend

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

CLOVER HEALTH INVESTMENTS CO

NASDAQ:CLOV (2/25/2026, 10:02:58 AM)

2.0656

+0.06 (+2.77%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)11-04
Earnings (Next)02-26
Inst Owners32.34%
Inst Owner Change-9.03%
Ins Owners2.68%
Ins Owner Change-5.67%
Market Cap1.07B
Revenue(TTM)1.77B
Net Income(TTM)-58.23M
Analysts76
Price Target2.92 (41.36%)
Short Float %9.56%
Short Ratio7.23
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)-17.35%
Min EPS beat(2)-63.4%
Max EPS beat(2)28.7%
EPS beat(4)3
Avg EPS beat(4)26.24%
Min EPS beat(4)-63.4%
Max EPS beat(4)100%
EPS beat(8)7
Avg EPS beat(8)40.42%
EPS beat(12)11
Avg EPS beat(12)37.49%
EPS beat(16)13
Avg EPS beat(16)31.61%
Revenue beat(2)1
Avg Revenue beat(2)1.68%
Min Revenue beat(2)-0.01%
Max Revenue beat(2)3.36%
Revenue beat(4)1
Avg Revenue beat(4)-3.94%
Min Revenue beat(4)-13.64%
Max Revenue beat(4)3.36%
Revenue beat(8)4
Avg Revenue beat(8)-1.11%
Revenue beat(12)7
Avg Revenue beat(12)0.43%
Revenue beat(16)11
Avg Revenue beat(16)1.55%
PT rev (1m)-11.47%
PT rev (3m)-14.98%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-54.99%
EPS NY rev (1m)0%
EPS NY rev (3m)-62.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.83%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.6
P/FCF N/A
P/OCF N/A
P/B 3.13
P/tB 3.16
EV/EBITDA N/A
EPS(TTM)-0.11
EYN/A
EPS(NY)-0.02
Fwd EYN/A
FCF(TTM)-0.17
FCFYN/A
OCF(TTM)-0.16
OCFYN/A
SpS3.43
BVpS0.66
TBVpS0.65
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -10.4%
ROE -17.08%
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
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-Score6
Asset Turnover3.17
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 109.96%
Cap/Sales 0.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.71
Quick Ratio 1.71
Altman-Z 0.37
F-Score6
WACC8.67%
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)42.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
EPS Next Y-96.44%
EPS Next 2Y33.17%
EPS Next 3Y32.04%
EPS Next 5Y40.11%
Revenue 1Y (TTM)14.84%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%50.05%
Revenue Next Year25.45%
Revenue Next 2Y34.37%
Revenue Next 3Y26.49%
Revenue Next 5Y19.46%
EBIT growth 1Y20.18%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year133.99%
EBIT Next 3Y48.64%
EBIT Next 5YN/A
FCF growth 1Y13.97%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y11.59%
OCF growth 3YN/A
OCF growth 5YN/A

CLOVER HEALTH INVESTMENTS CO / CLOV 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 decline by -96.44% in the next year.