Clover Health Investments, Corp.

CLOV

$4.28

+0.47%

N/A+$0.02

Healthcare

Medical - Healthcare Plans

NASDAQ

Active Trading

Clover Health Investments, Corp. is a U.S.-based firm specializing in Medicare Advantage insurance. The company leverages its proprietary software platform, the Clover ...

Fundamental Analysis of CLOV

Key Strengths

Proprietary Clover Assistant platform enabling data-driven, preventive care

Strong balance sheet with zero debt and healthy current ratio of 1.5

Risk Factors

Highly competitive Medicare Advantage market with large established players

Regulatory changes and government reimbursement rate adjustments could impact margins

Profitability

Net Margin-0.74%

Operating Margin-0.74%

Valuation

P/E Ratio-105.06x

Current Ratio1.50

Efficiency

ROE-5.38%

ROA-2.55%

Fundamental Analysis of CLOV

Clover Health is a Medicare Advantage insurer that leverages its proprietary Clover Assistant platform to deliver value-based care. The company operates in the highly competitive and regulated Medicare Advantage market, focusing on technology-driven preventive care to improve health outcomes and reduce costs. Financially, Clover Health has shown signs of improvement, with the TTM data indicating a net loss of -0.7% of revenue, a significant improvement from previous years, and the company reported positive GAAP net income in Q1 2026. The stock trades at a price-to-sales ratio of 0.99, which is moderate for a health insurance company, and the market cap is $2.45 billion. The balance sheet is solid with no debt, a current ratio of 1.5, and a cash position of $0.38 per share. However, the company's return on equity is -5.4%, and the earnings yield is negative, indicating ongoing profitability challenges. The high beta of 2.485 suggests significant volatility. Key strengths include the unique Clover Assistant platform, a strong balance sheet, and a growing membership base. Risks include regulatory changes, intense competition from larger insurers, and the need to achieve sustainable profitability. Overall, the company is in a transition phase, and long-term success hinges on scaling its model and controlling medical costs.

Key Strengths of CLOV

Proprietary Clover Assistant platform enabling data-driven, preventive care
Strong balance sheet with zero debt and healthy current ratio of 1.5
Revenue growth driven by expanding Medicare Advantage membership
Recent achievement of positive GAAP net income in Q1 2026 indicates improving profitability
Experienced management team led by CEO Andrew Toy
Focus on value-based care aligns with industry trends towards cost reduction

Risk Factors of CLOV

Highly competitive Medicare Advantage market with large established players
Regulatory changes and government reimbursement rate adjustments could impact margins
High stock price volatility (beta of 2.485) may deter risk-averse investors
History of net losses and negative return on equity signals ongoing profitability challenges
Dependence on the success of the Clover Assistant platform to achieve operational efficiencies
Potential increases in medical and pharmacy utilization could pressure financial performance

Market Cap vs Revenue & Earnings

Earnings

n/a

Revenue

n/a

Market cap

$2.22B

-105.1x

P/E Ratio

0.9x

P/S Ratio

Earnings & Revenue

Last Reportedn/a

Earnings per share (EPS)n/a

Gross Margin18.57%

Net Profit Margin-0.74%

Debt/Equity Ratio0.00

Profitability Bridge (Current vs YoY)

How gross, operating and net margins shifted versus last year.

Revenue / Net Income / FCF History (USD B)

Growth Signals of CLOV

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
Revenue	—	—	—	—	Flat
Diluted EPS	—	—	—	—	Flat
Free Cash Flow	—	—	—	—	Flat

Profitability of CLOV

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
Net Margin	—	3.77%	—	—	Flat
Operating Margin	—	3.77%	—	—	Flat
ROE	—	—	—	—	Flat

Financial Health of CLOV

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
Current Ratio	—	1.501	—	—	Flat
Quick Ratio	—	1.501	—	—	Flat
Debt / Equity	—	0.000	—	—	Flat

Valuation of CLOV

Metric	Current	Previous	YoYYear-over-Year change: current quarter versus the same quarter last year.	QoQQuarter-over-Quarter change: current quarter versus the immediately previous quarter.	Signal
P/E	—	26.20x	—	—	Flat
P/B	—	7.30x	—	—	Flat

Supply Chain of CLOV

RELATIONS

Upstream

CVS Caremark (CVS Health Corporation)NYSE:CVS Google Cloud (Alphabet Inc.)NASDAQ:GOOGL Amazon Web Services (Amazon.com Inc.)NASDAQ:AMZNKno2HealthExIPC Digital Health / Independent Pharmacy Cooperative (IPC)ClearDATANVIDIA CorporationNASDAQ:NVDA

Downstream

Centers for Medicare & Medicaid Services (CMS)Medicare Advantage Members (Individuals)Physician Groups / Primary Care Providers (Network Participants)Insurance Brokers & AgentsCathay Life Insurance (Cathay Financial Holdings)TWSE:2882External Medicare Advantage Payors & Providers (Counterpart Health Customers)

Proxies

Oscar Health, Inc.NYSE:OSCR Alignment Healthcare, Inc.NASDAQ:ALHC Humana Inc.NYSE:HUM

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Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer