Stock AnalizClover Health Investments, Corp. CLOV
Medical Specialities · data as of November 13, 2026
Clover Health Investments, Corp. (CLOV) is a healthcare company listed in the US with a market value of about $2.7B. In the twelve months to September 30, 2026 it had revenue of $2.7B and net income of $12M, a net margin of 0.5%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is future growth (4/5); the weakest is value (0/5).
Key numbers: a P/E of 496.0, a price to free cash flow of 20.1, 5-year revenue growth of 23% a year, a 5-year average ROIC of -53%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 71% below the current price.
Score: 2.0 / 5
Checks passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 7 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.7B | $1.9B | $1.4B | $1.3B | $1.1B | $1.5B | $673M | $462M |
| Net income | $12M | -$86M | -$43M | -$213M | -$340M | -$588M | -$136M | -$364M |
| Free cash flow | $132M | -$69M | $33M | -$145M | -$208M | -$283M | -$119M | -$160M |
| EPS (diluted) | $0.02 | $-0.17 | $-0.09 | $-0.44 | $-0.71 | $-1.42 | $-1.54 | $-4.14 |
| Net margin | 0.5% | -4.5% | -3.1% | -16.9% | -31.0% | -39.9% | -20.3% | -78.7% |
| ROIC | — | -27.4% | -13.3% | -70.5% | -64.0% | -89.3% | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $5.60, 13% above the current price; targets range from $5.00 to $6.00; the consensus rating is “Buy”; expected EPS is $0.14 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Clover Health Investments’s P/E ratio?
About 496.0, based on the last twelve months of diluted earnings per share (forward P/E about 35.4).
Is Clover Health Investments stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 71% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Clover Health Investments pay a dividend?
Not currently.
Is Clover Health Investments a good stock to buy?
We do not give buy or sell advice. Clover Health Investments scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.