2.59 USD
-0.09 (-3.36%)
2.6 USD
+0.01 (+0.39%)
CLOV gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 103 industry peers in the Health Care Providers & Services industry. CLOV scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CLOV is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- CLOV had negative earnings in the past year.
- CLOV had a negative operating cash flow in the past year.
- In the past 5 years CLOV always reported negative net income.
- CLOV had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- CLOV has a worse Return On Assets (-10.40%) than 71.84% of its industry peers.
- The Return On Equity of CLOV (-17.08%) is worse than 62.14% of its industry peers.
| Industry Rank | Sector 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
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 Rank | Sector 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
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.
2.2 Solvency
- Based on the Altman-Z score of 1.20, we must say that CLOV is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of CLOV (1.20) is worse than 68.93% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.2 |
ROIC/WACCN/A
WACC8.9%
2.3 Liquidity
- A Current Ratio of 1.71 indicates that CLOV should not have too much problems paying its short term obligations.
- CLOV has a better Current ratio (1.71) than 66.99% of its industry peers.
- A Quick Ratio of 1.71 indicates that CLOV should not have too much problems paying its short term obligations.
- CLOV has a better Quick ratio (1.71) than 71.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.71 | ||
| Quick Ratio | 1.71 |
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.
- The Revenue has grown by 14.84% in the past year. This is quite good.
- 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
- Based on estimates for the next years, CLOV will show a quite strong growth in Revenue. The Revenue will grow by 19.46% on average per year.
EPS Next Y-96.44%
EPS Next 2Y30.3%
EPS Next 3Y33.82%
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- CLOV's earnings are expected to grow with 33.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.3%
EPS Next 3Y33.82%
5. Dividend
5.1 Amount
- No dividends for CLOV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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.