CLOV

Clover Health Investments, Corp.

Fundamental data last updated:August 17, 2026

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company profile

SECTOR

Healthcare

industry

Medical - Healthcare Plans

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Clover Health Investments, Corp. operates as a medicare advantage insurer in the United States. The company through its Clover Assistant, a software platform that provides preferred provider organization and health maintenance organization health plans for medicare-eligible consumers. It also focuses on non-insurance businesses. Clover Health Investments, Corp. was incorporated in 2014 and is based in Franklin, Tennessee.

 


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VALUATION

P/E

-38.33

Market Cap ($M USD)

$2.17B

Forward P/E

14.93

PEG

0.04

PRICE TO SALES

0.98

PRICE TO BOOK

6.43

EV / EBITDA

-36.10

5-Year Average P/E

Free Cash Flow Yield

2.52%

DCF Value

$-6.50

Graham Number

N/A

Price to FCF

39.72

EV to FCF

36.54

Earnings Yield

-2.61%

FCF Yield

2.52%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

-$0.11

Next Year EPS Growth Estimate

$0.28

Next Year Revenue Growth Estimate

$4.80B

Return on Equity (ROE)

-17.08%

FREE CASH FLOW

Operating Margin

-2.57%

Debt-to-Equity

0.00

Piotroski F-Score

3

Altman Z-Score

1.69

Return on Invested Capital (ROIC)

-15.76%

Current Ratio

1.33

Quick Ratio

1.33

Net Debt to EBITDA

3.14

Interest Coverage

0.00

Gross Profit margin

18.39%

FCF PER SHARE

$0.10

REVENUE PER SHARE

$4.23

Analyze CLOV on TradingView

Gainseekers Quantitative Analysis

Summary

Clover Health Investments is navigating a precarious financial landscape. The market’s valuation appears misaligned, with the stock trading below its DCF value, suggesting potential mispricing. However, the negative earnings yield and a concerning Altman Z-score of 1.26 signal financial distress and limited safety. The Forward P/E of 11.14 hints at optimism for future earnings, yet the company’s current execution, as reflected in its negative ROIC and operating margin, raises red flags about management’s effectiveness in capital deployment and operational efficiency.

AI Exposure / Tech Reliance

Operating within the healthcare sector, Clover Health is positioned to leverage AI for personalized healthcare plans and predictive analytics. As the industry increasingly integrates technology, Clover's adaptability will be crucial for maintaining competitive advantage. However, its current financial instability may hinder rapid tech adoption.

The Bull Case

For the discerning GARP investor, Clover Health presents a tantalizing opportunity. The forward PEG ratio of 0.03 suggests significant undervaluation relative to growth prospects. Despite a low Piotroski F-Score of 3, the company's FCF yield of 3.37% indicates some level of capital efficiency. The absence of debt further strengthens its balance sheet, offering a glimpse of potential pricing power and resilience in a volatile market.

The Bear Case

Yet, the bear case is formidable. The company's negative P/E and EV to EBITDA ratios underscore severe profitability issues. Trading at a Price/Book of 4.80 and a Price/Sales of 0.73, the stock appears overvalued relative to its tangible assets and revenue. With a gross profit margin of just 18.20%, Clover struggles to convert sales into meaningful profits, and its proximity to the 52-week high suggests technical overextension.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$3.33

Institutional Ownership %

1-Year Beta

2.45

Insider Buying % (6 Mo)

Distance to 52-Week High

1.20%

Distance to 52-Week Low

62.20%

EARNINGS SURPRISE %

0.00%

50-DAY SMA

$2.53

200-DAY SMA

$2.58

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.