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CLOV$3.92-1.51%
Fair $3.92+0.0%

CLOV

Clover Health Investments, Corp.

Healthcare / Healthcare PlansNasdaqGS

$3.92

-0.06 (-1.51%)

Fairly Valued+0.0%Fair Value $3.92Fund rank 25/100 · Data gapFallback financials|
SA 33/D
F-Score: 2/9
Low Profitability

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 33% · confianza 22%

FCF escenarios

weak_data · normalized FCF $-69.0M · quality 42.7/100

Data gap 25/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 26/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

33/100

D

Piotroski

2/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 7Warnings: 1unknown: 7
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. ROE is -27.7%, below the 5% threshold
Thesis & Journal · CLOVLocal privado en este navegador · Clover Health Investments, Corp.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$2.1B

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-27.7%

↓

Gross Margin

18.5%

↓

Debt/Equity

N/A

•
52-Week Range$4
$2$4

TradingView lightweight chart

CLOV price, volumen y niveles de valoración

Último $3.920Periodo -61.6%
Fair value: $3.920

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2019–2025 · 6 años de histórico normalizado

Revenue CAGR

+26.8%

FCF CAGR

—

FCF margin

-3.6%

FCF / Net income

0.81x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $1.92B · net income $-85.5M · FCF $-69.0M

2019-FY → 2025-FY

Gross margin

18.5%— pts

Operating margin

-4.4%+35.2% pts

Net margin

-4.4%+74.2% pts

FCF margin

-3.6%+31.0% pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
Income Statement
Revenue$1.92B$1.92B$1.37B$1.26B$1.10B$1.47B$672.9M$462.3M
Net Income$-85.5M$-85.5M$-43.0M$-213.4M$-339.6M$-587.8M$-136.4M$-363.7M
EBITDA$-83.9M$-83.9M$-44.9M$-207.6M$-252.0M$-636.8M$-92.9M$-186.1M
EPS-0.17-0.17-0.08-0.44-0.71-1.42-1.54-4.14
Gross Margin18.5%18.5%26.6%20.3%9.4%-5.4%——
Operating Margin-4.4%-4.4%-3.3%-14.2%-26.1%-43.3%-13.8%-39.6%
Net Margin-4.4%-4.4%-3.1%-16.9%-31.0%-39.9%-20.3%-78.7%
Balance Sheet
Debt/Equity———0.020.020.04-0.17—
Current Ratio1.331.33——————
Cash Flow
Free Cash Flow$-69.0M$-69.0M$33.3M$-145.2M$-208.4M$-283.0M$-119.2M$-159.9M
Returns
ROE-27.7%-27.7%-12.6%-74.5%-95.1%-109.8%22.1%2063053.7%
Valuation
P/B6.506.504.731.601.35———
Growth & Yield
Revenue Growth40.3%40.3%8.8%15.0%—118.8%45.6%—
EPS Growth-112.5%-112.5%81.9%37.8%—7.8%62.8%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +24.8%

Total return

+24.8%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.08 → -0.17

Residual

+24.8%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term+24.8%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.