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Healthcare - Medical - Healthcare Plans - NASDAQ - US
$ 3.055
-1.95 %
$ 1.55 B
Market Cap
-75.5
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one CLOV stock under the worst case scenario is HIDDEN Compared to the current market price of 3.06 USD, Clover Health Investments, Corp. is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one CLOV stock under the base case scenario is HIDDEN Compared to the current market price of 3.06 USD, Clover Health Investments, Corp. is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one CLOV stock under the best case scenario is HIDDEN Compared to the current market price of 3.06 USD, Clover Health Investments, Corp. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CLOV

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$5.0$5.0$4.8$4.8$4.6$4.6$4.4$4.4$4.2$4.2$4.0$4.0$3.8$3.8$3.6$3.6$3.4$3.4$3.2$3.2$3.0$3.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
1.37 B REVENUE
8.77%
-45.7 M OPERATING INCOME
77.72%
-43 M NET INCOME
79.84%
34.8 M OPERATING CASH FLOW
130.07%
565 K INVESTING CASH FLOW
-99.60%
-17.4 M FINANCING CASH FLOW
48.73%
462 M REVENUE
37.21%
-1.27 M OPERATING INCOME
94.06%
-1.27 M NET INCOME
94.23%
-16.3 M OPERATING CASH FLOW
81.02%
8.93 M INVESTING CASH FLOW
720.57%
-31.7 M FINANCING CASH FLOW
-416.87%
Balance Sheet Clover Health Investments, Corp.
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Current Assets 343 M
Cash & Short-Term Investments 222 M
Receivables 92.8 M
Other Current Assets 28.8 M
Non-Current Assets 238 M
Long-Term Investments 202 M
PP&E 5.31 M
Other Non-Current Assets 30.6 M
38.15 %15.98 %4.96 %34.73 %5.27 %Total Assets$580.7m
Current Liabilities 214 M
Accounts Payable 34.6 M
Short-Term Debt 0
Other Current Liabilities 179 M
Non-Current Liabilities 26.1 M
Long-Term Debt 0
Other Non-Current Liabilities 26.1 M
14.43 %74.69 %10.89 %Total Liabilities$239.6m
EFFICIENCY
Earnings Waterfall Clover Health Investments, Corp.
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Revenue 1.37 B
Cost Of Revenue 1.01 B
Gross Profit 365 M
Operating Expenses 411 M
Operating Income -45.7 M
Other Expenses -2.74 M
Net Income -43 M
1b1b1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)1b(1b)365m(411m)(46m)3m(43m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
26.61% GROSS MARGIN
26.61%
-3.34% OPERATING MARGIN
-3.34%
-3.14% NET MARGIN
-3.14%
-12.61% ROE
-12.61%
-7.41% ROA
-7.41%
-12.46% ROIC
-12.46%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Clover Health Investments, Corp.
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50m50m00(50m)(50m)(100m)(100m)(150m)(150m)(200m)(200m)(250m)(250m)(300m)(300m)20192019202020202021202120222022202320232024202420252025
Net Income -43 M
Depreciation & Amortization 1.33 M
Capital Expenditures -1.56 M
Stock-Based Compensation 114 M
Change in Working Capital 12.9 M
Others -28.6 M
Free Cash Flow 33.3 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Clover Health Investments, Corp.
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Wall Street analysts predict an average 1-year price target for CLOV of $3.76 , with forecasts ranging from a low of $1.8 to a high of $6 .
CLOV Lowest Price Target Wall Street Target
1.8 USD -41.08%
CLOV Average Price Target Wall Street Target
3.76 USD 23.08%
CLOV Highest Price Target Wall Street Target
6 USD 96.40%
Price
Max Price Target
Min Price Target
Average Price Target
6666555544443333222211Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 4
6. Ownership
Insider Ownership Clover Health Investments, Corp.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
1.2 M USD 3
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
2 M USD 1
9-12 MONTHS
7. News
All You Need to Know About Clover Health Investments (CLOV) Rating Upgrade to Strong Buy Clover Health Investments (CLOV) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy). zacks.com - 1 month ago
Clover Health: Stars Are Aligning For GAAP Profitability In FY 2026 Clover reported impressive Q1 earnings with robust topline growth and improving profitability metrics thanks to a 30% YoY increase in its member base. Clover could see $95 million in additional revenues in FY 2026 without any member growth as a result of CMS increasing MA payouts by 5.1%. With Clover set to be eligible for a 5% quality bonus in 2026 thanks to its 4-star rating, I expect it to reach GAAP profitability in FY 2026. seekingalpha.com - 1 month ago
CLOV Stock Rises as Q1 Earnings Beat Estimates, Revenues Up Y/Y Clover Health's first-quarter 2025 results continue to benefit from the strength of its strong member retention. A decline in operating loss bodes well. zacks.com - 1 month ago
Clover Health Investments, Corp. (CLOV) Q1 2025 Earnings Call Transcript Clover Health Investments, Corp. (NASDAQ:CLOV ) Q1 2025 Earnings Conference Call May 6, 2025 5:00 PM ET Company Participants Ryan Schmidt - Investor Relations Andrew Toy - Chief Executive Officer Peter Kuipers - Chief Financial Officer Conference Call Participants Jonathan Yong - UBS Matt Hewitt - Craig-Hallum Capital Richard Close - Canaccord Genuity Operator Ladies and gentlemen, good afternoon and welcome to the Clover Health First Quarter 2025 Earnings Conference Call. At this time, all participants are in a listen-only mode. seekingalpha.com - 1 month ago
Clover Health Investments, Corp. (CLOV) Surpasses Q1 Earnings Estimates Clover Health Investments, Corp. (CLOV) came out with quarterly earnings of $0.05 per share, beating the Zacks Consensus Estimate of a loss of $0.07 per share. This compares to loss of $0.05 per share a year ago. zacks.com - 1 month ago
Clover Health Reports First Quarter 2025 Results and Improves Full Year 2025 Guidance First quarter 2025 Medicare Advantage membership of 103,418, up 30% year-over-year First quarter 2025 Total revenues of $462 million, up 33% year-over-year Medicare Advantage medical costs are in line with expectations, underscoring the strength of Clover's technology-first care management model Meaningful improvement across first quarter 2025 profitability metrics: GAAP Net loss of $1 million, as compared to a GAAP Net loss of $19 million a year ago Adjusted EBITDA of $26 million, up 279% year-over-year Adjusted Net income of $25 million, up 322% year-over-year Improved Full Year 2025 Guidance: Average Medicare Advantage membership of 103,000 - 107,000, representing 30% growth year-over-year at the midpoint Insurance revenue between $1.800 billion and $1.875 billion, representing 37% growth year-over-year at the midpoint Adjusted EBITDA profitability between $50 million and $70 million Adjusted Net income between $50 million and $70 million WILMINGTON, Del., May 06, 2025 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today reported financial results for the first quarter 2025. globenewswire.com - 1 month ago
Watch These 3 MedTech Stocks for Q1 Earnings: Beat or Miss? MedTech companies' quarterly results are likely to reflect strength in customer demand. Let's see how FMS, MASI and CLOV are placed ahead of their earnings releases. zacks.com - 1 month ago
Primary Care Physician Use of Counterpart Assistant Technology Associated with Better Health Outcomes in Patients with Congestive Heart Failure New whitepaper highlights how a relationship with a Primary Care Physician (“PCP”) that uses Counterpart Assistant is associated with better clinical management, and fewer hospitalizations (18% lower) and readmissions (25% lower) in heart failure patients New whitepaper highlights how a relationship with a Primary Care Physician (“PCP”) that uses Counterpart Assistant is associated with better clinical management, and fewer hospitalizations (18% lower) and readmissions (25% lower) in heart failure patients globenewswire.com - 1 month ago
Clover Health Announces Changes to Board of Directors Thomas L. Tran will become Chairman of the Audit Committee and the Nominating and Corporate Governance Committee, and Lee A. Shapiro will not stand for re-election at the 2025 Annual Shareholders' Meeting Thomas L. Tran will become Chairman of the Audit Committee and the Nominating and Corporate Governance Committee, and Lee A. Shapiro will not stand for re-election at the 2025 Annual Shareholders' Meeting globenewswire.com - 1 month ago
Clover Health to Participate in Upcoming Investor Conferences WILMINGTON, Del., April 21, 2025 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today announced its participation in the following investor conferences: globenewswire.com - 1 month ago
Clover Health to Report First Quarter 2025 Financial Results on May 6, 2025 WILMINGTON, Del., April 08, 2025 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today announced that it will report first quarter 2025 financial results after market close on Tuesday, May 6, 2025. Management will host a conference call and webcast at 5:00 p.m. Eastern Time on May 6, 2025, to discuss Clover Health's first quarter 2025 business and financial results. globenewswire.com - 2 months ago
Clover Health Appoints Industry Veteran as Chief Medical Officer of Medicare Advantage Dr. Shelly Gupta Brings Over a Decade of Medicare Advantage and Healthcare Leadership Experience Dr. Shelly Gupta Brings Over a Decade of Medicare Advantage and Healthcare Leadership Experience globenewswire.com - 2 months ago
8. Profile Summary

Clover Health Investments, Corp. CLOV

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COUNTRY US
INDUSTRY Medical - Healthcare Plans
MARKET CAP $ 1.55 B
Dividend Yield 0.00%
Description 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.
Contact 725 Cool Springs Blvd, Franklin, TN, 37067 https://www.cloverhealth.com
IPO Date June 12, 2020
Employees 570
Officers Ms. Rachel Fish Chief People Officer Mr. Andrew Toy Co-Founder, Chief Executive Officer & Director Ms. Wendy Richey Chief Compliance Officer Dr. Kumar Dharmarajan Chief Medical Officer of Clover Assistant Ms. Karen Soares General Counsel, Senior Vice President & Corporate Secretary Ms. Jamie L. Reynoso Chief Executive Officer of Medicare Advantage Mr. Vivek Garipalli Co-Founder & Executive Chairman Mr. Peter J. Kuipers Chief Financial Officer Mr. Brady Priest J.D. Chief Executive Officer of Home Care Mr. Conrad Wai Chief Executive Officer of Counterpart Health