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CLOVER HEALTH INVESTMENTS, CORP. /DE

CLOV

$4.76 ▲ +0.10 (+2.15%) at close

7 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

CLOVER HEALTH INVESTMENTS, CORP. /DE faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $2.4B

Dividend Yield —

Revenue Growth 40.3% ↗

Op. Margin -4.4% ↘

ROIC None

FCF / Share $-0.13 ↘

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.92B

↑ +40.3% —

Net Income Profit after all expenses

$-85.55M

↓ -98.9% —

Operating Margin Operating profit as % of sales

-4.4%

↓ -33.2% 20th

FCF / Share Free cash flow per share

$-0.13

↓ -298.3% —

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

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Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↑

Cash Quality ↑

Financial view

Statement lens

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Cadence

Annual Quarterly

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	40.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+404%)	-32.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-507%)	-41.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-619%)	136.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1602%)	118.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1384%)	45.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+470%)	—
EPS Growth YoY (%)	—	—	38.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	50.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	7.8% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	62.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	-98.9% Weak ↓ Weak Declining Year-over-year change in net income	79.8% Excellent ↑ Excellent Improving Year-over-year change in net income	37.0% Excellent ↑ Excellent Improving Year-over-year change in net income	42.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-330.9% Weak Weak Year-over-year change in net income	62.5% Excellent Excellent Year-over-year change in net income	—
FCF Growth YoY (%)	N/M	N/M	44.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	36.2% Excellent → Excellent Stable Year-over-year change in free cash flow	49.0% Excellent Excellent Year-over-year change in free cash flow	26.2% Excellent Excellent Year-over-year change in free cash flow	—
Revenue CAGR 3Y (%)	-17.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	44.6% Excellent Excellent Compound annual revenue growth over 3 years	95.9% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	23.4% Excellent Excellent Compound annual revenue growth over 5 years	24.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	-4.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-130%)	-3.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-122%)	-10.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-168%)	-10.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-171%)	-43.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-388%)	-13.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-192%)	-39.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-364%)
Effective Tax Rate (%) (%)	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	-4.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-137%)	-3.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-126%)	-10.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-187%)	-9.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-181%)	-39.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-433%)	-20.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-269%)	-78.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-756%)
FCF Margin (%) (%)	-3.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.4% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-5.7% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-6.0% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-19.2% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-17.7% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-34.6% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	0.81x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	-0.77x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.55x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.62x Weak → Weak Stable Free cash flow relative to reported net income Optimal: > 1x	0.48x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.87x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	0.44x Weak Weak Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%)	—	—	—	-84.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-90.6% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	14.3% Good Good Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-15.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-7.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-36.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-45.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-67.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	-34.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	—	—	—	-97.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-750%)	-109.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-832%)	22.1% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+47%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Debt to Equity (x)	—	—	—	0.00x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.04x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	-0.17x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-129%)	—
Interest Coverage (x)	—	—	-29791.71x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-278.26x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-199.50x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-2.58x Weak Weak Operating income divided by interest expense Optimal: > 5x	-7.91x Weak Weak Operating income divided by interest expense Optimal: > 5x
Net Debt (USD)	$-78.30M	$-194.54M	$-122.86M	$-103.79M	$-280.03M	$14.06M	—
Debt / EBITDA (x)	—	—	—	0.00x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.03x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.15x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$3.76	$2.80	$4.22	$7.30	$3.56	$7.59	$5.26
Basic EPS, GAAP (USD)	—	—	$-0.44	$-0.71	$-1.42	$-1.54	$-4.14
Free Cash Flow per Share (USD)	$-0.13	$0.07	$-0.24	$-0.44	$-0.69	$-1.34	$-1.82
Book Value per Share (USD)	—	—	—	$0.73	$1.30	$-6.96	—
Tangible Book Value per Share (USD)	—	—	—	$0.71	$1.29	$-6.97	—
Basic Weighted Avg Shares (shares)	511.97M	490.02M	482.18M	476.24M	412.92M	88.69M	87.83M

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD)	$99.03M	$129.61M	$166.85M	$184.34M	$379.92M	$25.55M	—
LT Debt (USD)	—	—	—	$0.00	$19.94M	$106.41M	—
Total Equity (USD)	—	—	—	$347.74M	$535.41M	$-617.10M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$1.92B	$1.37B	$2.03B	$3.48B	$1.47B	$672.89M	$462.27M
Depreciation Expense (USD)	$200.00K	$200.00K	$400.00K	$400.00K	$300.00K	$500.00K	$600.00K
Net Income, GAAP (USD)	$-85.55M	$-43.01M	$-213.36M	$-338.84M	$-587.76M	$-136.39M	$-363.74M
Operating Cash Flow (USD)	$-66.93M	$34.84M	$-115.87M	$-203.93M	$-282.33M	$-118.50M	$-159.88M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 26 quarters

CLOVER HEALTH INVESTMENTS, CORP. /DE

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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