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Healthcare - Medical - Healthcare Plans - NASDAQ - US
$ 2.935
3.6 %
$ 1.49 B
Market Cap
-72.0
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one CLOV stock under the worst case scenario is HIDDEN Compared to the current market price of 2.94 USD, Clover Health Investments, Corp. is HIDDEN

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one CLOV stock under the base case scenario is HIDDEN Compared to the current market price of 2.94 USD, Clover Health Investments, Corp. is HIDDEN

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one CLOV stock under the best case scenario is HIDDEN Compared to the current market price of 2.94 USD, Clover Health Investments, Corp. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CLOV

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$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$3.0$2.8$2.8$2.6$2.6$2.4$2.415 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 JulAug '25Aug '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 $4.08 , with forecasts ranging from a low of $1.8 to a high of $6 .
CLOV Lowest Price Target Wall Street Target
1.8 USD -38.67%
CLOV Average Price Target Wall Street Target
4.08 USD 38.84%
CLOV Highest Price Target Wall Street Target
6 USD 104.43%
Price
Max Price Target
Min Price Target
Average Price Target
66665555444433332222Sep '24Sep '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25May '25May '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26May '26May '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership Clover Health Investments, Corp.
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Sold
0-3 MONTHS
858 K USD 2
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
1 M USD 1
9-12 MONTHS
7. News
Primary Care Physician Use of Counterpart Assistant Technology Linked to Better Health Outcomes in Patients with Chronic Obstructive Pulmonary Disease New whitepaper shows that a relationship with a primary care physician (“PCP”) who uses Counterpart Assistant is correlated with more frequent Chronic Obstructive Pulmonary Disease (“COPD”) diagnosis, increased specialty care, and meaningful reductions in hospitalizations (15% lower) and 30-day readmissions (18% lower). globenewswire.com - 2 days ago
Clover Health Pre-Q2 Earnings Analysis: Buy, Sell or Hold the Stock? CLOV's second-quarter results are likely to reflect strong Medicare Advantage membership growth and expansion and deeper integration of Clover Assistant. zacks.com - 5 days ago
Clover Health Applauds White House and CMS' Push to “Tear Down Digital Walls,” Accelerating and Simplifying Access to Health Data for Patients and Their Clinicians WILMINGTON, Del., July 31, 2025 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover Health”), a physician enablement company bringing access to great healthcare to everyone on Medicare, strongly supports the White House and Centers for Medicare & Medicaid Services' (CMS) announcement calling on the healthcare industry to “tear down digital walls” and build a truly patient-centric, interoperable ecosystem. globenewswire.com - 6 days ago
Counterpart Health Appoints Vicky Bruner as Vice President of Operations to Support Expansion and Customer Execution WILMINGTON, Del., July 29, 2025 (GLOBE NEWSWIRE) -- Counterpart Health, Inc. (“Counterpart”), a wholly owned subsidiary of Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”) and a leading AI-powered physician-enablement platform, today announced the appointment of Vicky Bruner as Vice President of Operations. globenewswire.com - 1 week ago
OSCR vs. CLOV: Which Stock Is A Better Buy Now? In this piece, we'll check in on two mid-cap health insurance plays that are leveraging their tech-savvy and digital strengths to grab a bigger slice of the health insurance industry. 247wallst.com - 1 week ago
TotalEnergies - Angola: Start-up of BEGONIA and CLOV Phase 3 Offshore Projects PARIS--(BUSINESS WIRE)--TotalEnergies (Paris:TTE) (LSE:TTE) (NYSE:TTE) announces the start of production from the BEGONIA and CLOV Phase 3 offshore projects, leveraging ullage in the PAZFLOR and CLOV floating production, storage and offloading units (FPSO) to add a total of 60,000 barrels a day of new production. These two subsea tie-back projects deliver additional production leveraging available capacity on existing FPSO's and as such have low marginal costs and low carbon intensities. BEGONI. businesswire.com - 2 weeks ago
Clover Health to Participate in Upcoming Canaccord Genuity 45th Annual Growth Conference WILMINGTON, Del., July 21, 2025 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today announced that its Chief Financial Officer, Peter Kuipers, will present at the Canaccord Genuity 45th Annual Growth Conference on Tuesday, August 12, 2025, at 11:00 a.m. Eastern Time. globenewswire.com - 2 weeks ago
Clover Health Appoints Joseph Oldakowski as Vice President of Finance and Controller WILMINGTON, Del., July 17, 2025 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover Health”), a physician enablement company bringing access to great healthcare to everyone on Medicare, today announced the appointment of Joseph (Joe) Oldakowski as Vice President of Finance and Controller. In this role, Mr. Oldakowski reports to Chief Financial Officer Peter Kuipers and will lead Clover's corporate accounting, GAAP, SEC, and statutory financial reporting and tax function. globenewswire.com - 2 weeks ago
Clover Health Launches New Jersey Community Pharmacy Program in Partnership with IPC's iCare+ Network WILMINGTON, Del., July 09, 2025 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover Health”), a leading Medicare Advantage company committed to affordable, high-quality care, today announced the launch of a new community-based pharmacy pilot program across New Jersey. globenewswire.com - 4 weeks ago
Clover Health to Report Second Quarter 2025 Financial Results on August 5, 2025 WILMINGTON, Del., July 08, 2025 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today announced that it will release its financial results after the market closes on Tuesday, August 5, 2025. Company management will host a conference call and webcast at 5:00 p.m. Eastern Time on the same day to discuss the company's business and financial performance for the quarter. globenewswire.com - 4 weeks ago
Clover Health Set to Join Russell 3000® Index WILMINGTON, Del., June 30, 2025 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover Health”), announced that it is set to join the broad-market Russell 3000® Index, effective after the US market opens today, June 30, 2025, as part of the 2025 Russell indexes reconstitution. globenewswire.com - 1 month ago
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 - 2 months ago
8. Profile Summary

Clover Health Investments, Corp. CLOV

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COUNTRY US
INDUSTRY Medical - Healthcare Plans
MARKET CAP $ 1.49 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