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CLOVER HEALTH INVESTMENTS CO (CLOV) Stock Fundamental Analysis

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

2.92  -0.13 (-4.26%)

After market: 2.93 +0.01 (+0.34%)

Fundamental Rating

2

Taking everything into account, CLOV scores 2 out of 10 in our fundamental rating. CLOV was compared to 103 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 valied quite expensively at the moment, while 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 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 0 -200M -400M -600M

1.2 Ratios

With a Return On Assets value of -4.30%, CLOV is not doing good in the industry: 66.02% of the companies in the same industry are doing better.
CLOV has a Return On Equity of -7.47%. This is comparable to the rest of the industry: CLOV outperforms 42.72% of its industry peers.
Industry RankSector Rank
ROA -4.3%
ROE -7.47%
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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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 0.96. This is a bad value and indicates that CLOV is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.96, CLOV is doing worse than 69.90% of the companies in the same industry.
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 0.96
ROIC/WACCN/A
WACC9.07%
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 1.54. 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 1.54, CLOV perfoms like the industry average, outperforming 52.43% of the companies in the same industry.
A Quick Ratio of 1.54 indicates that CLOV should not have too much problems paying its short term obligations.
CLOV's Quick ratio of 1.54 is in line compared to the rest of the industry. CLOV outperforms 56.31% of its industry peers.
Industry RankSector Rank
Current Ratio 1.54
Quick Ratio 1.54
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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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 84.85%, which is quite impressive.
Looking at the last year, CLOV shows a very negative growth in Revenue. The Revenue has decreased by -19.77% 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)84.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)-19.77%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%33.27%

3.2 Future

CLOV is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 41.27% yearly.
Based on estimates for the next years, CLOV will show a quite strong growth in Revenue. The Revenue will grow by 14.96% on average per year.
EPS Next Y-41.67%
EPS Next 2Y-18.23%
EPS Next 3Y24.79%
EPS Next 5Y41.27%
Revenue Next Year22.74%
Revenue Next 2Y22.47%
Revenue Next 3Y17.36%
Revenue Next 5Y14.96%

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
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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1

4. Valuation

4.1 Price/Earnings Ratio

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

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

4.3 Compensation for Growth

CLOV's earnings are expected to grow with 24.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.23%
EPS Next 3Y24.79%

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0

5. Dividend

5.1 Amount

CLOV does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CLOVER HEALTH INVESTMENTS CO

NASDAQ:CLOV (7/11/2025, 8:00:51 PM)

After market: 2.93 +0.01 (+0.34%)

2.92

-0.13 (-4.26%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)08-05 2025-08-05/amc
Inst Owners26.15%
Inst Owner Change0%
Ins Owners3.36%
Ins Owner Change-4.5%
Market Cap1.49B
Analysts76.36
Price Target4.18 (43.15%)
Short Float %5.57%
Short Ratio3.04
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)69.83%
Min EPS beat(2)39.67%
Max EPS beat(2)100%
EPS beat(4)4
Avg EPS beat(4)77.7%
Min EPS beat(4)39.67%
Max EPS beat(4)120.14%
EPS beat(8)8
Avg EPS beat(8)54.43%
EPS beat(12)11
Avg EPS beat(12)42.86%
EPS beat(16)13
Avg EPS beat(16)8.81%
Revenue beat(2)0
Avg Revenue beat(2)-11.46%
Min Revenue beat(2)-13.64%
Max Revenue beat(2)-9.27%
Revenue beat(4)1
Avg Revenue beat(4)-6.52%
Min Revenue beat(4)-13.64%
Max Revenue beat(4)3.1%
Revenue beat(8)4
Avg Revenue beat(8)-2.24%
Revenue beat(12)8
Avg Revenue beat(12)0.42%
Revenue beat(16)12
Avg Revenue beat(16)7.25%
PT rev (1m)0%
PT rev (3m)-1.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)72.5%
EPS NY rev (1m)0%
EPS NY rev (3m)30.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.13%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1
P/FCF N/A
P/OCF N/A
P/B 4.42
P/tB 4.46
EV/EBITDA N/A
EPS(TTM)-0.05
EYN/A
EPS(NY)-0.13
Fwd EYN/A
FCF(TTM)-0.02
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS2.92
BVpS0.66
TBVpS0.65
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.3%
ROE -7.47%
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
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-Score5
Asset Turnover2.55
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 87.63%
Cap/Sales 0.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.54
Quick Ratio 1.54
Altman-Z 0.96
F-Score5
WACC9.07%
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)84.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y-41.67%
EPS Next 2Y-18.23%
EPS Next 3Y24.79%
EPS Next 5Y41.27%
Revenue 1Y (TTM)-19.77%
Revenue growth 3Y-2.34%
Revenue growth 5YN/A
Sales Q2Q%33.27%
Revenue Next Year22.74%
Revenue Next 2Y22.47%
Revenue Next 3Y17.36%
Revenue Next 5Y14.96%
EBIT growth 1Y81.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year196.09%
EBIT Next 3Y61.57%
EBIT Next 5YN/A
FCF growth 1Y88.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y89.13%
OCF growth 3YN/A
OCF growth 5YN/A