CLOV
Neutral signalScored 2026-10-21 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
Clover Health Investments, Corp.
- Nom
- Clover Health Investments, Corp.
- Secteur
- Healthcare
- Industrie
- Medical - Healthcare Plans
- Bourse
- NASDAQ
- Capitalisation
- $2.5B
- Employés
- 724
- PDG
- Andrew Toy
- Site web
- https://www.cloverhealth.com
- Marché
- ALHCCICNCCVSHUMOSCR
Clover Health Investments, Corp. is a U.S.-based firm specializing in Medicare Advantage insurance. The company leverages its proprietary software platform, the Clover Assistant, to provide both Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) health plans for individuals eligible for Medicare. In addition to its insurance operations, Clover Health also engages in non-insurance-related business ventures. The company was established in 2014 and its main office is located in Franklin, Tennessee.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 380 982 titres (~1 626 780,82 $ US)
- Insiders
- Toy Andrew
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$4,174,754
Avg sell (VWAP, 90d window) $4.52 vs last close $4.56 (+0.8%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$3,386,570 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-10-15
- Liquidity
- Thin $18,966,147/day · 20d vol
- Last synced
-
2026-10-26 21:10:15
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-20 | Soares Karen | Sell · S | 19,275 | $4.66 | $89,822 | Form 4 |
| 2026-10-19 | Reynoso Jamie L. | Sell · S | 4,066 | $4.41 | $17,931 | Form 4 |
| 2026-10-15 | Reynoso Jamie L. | Sell · S | 18,273 | $4.68 | $85,518 | Form 4 |
| 2026-10-15 | Soares Karen | Sell · S | 14,673 | $4.68 | $68,670 | Form 4 |
| 2026-10-15 | THORNTON JOSEPH CLAY | Sell · S | 4,591 | $4.68 | $21,486 | Form 4 |
| 2026-10-15 | Toy Andrew | Sell · S | 62,176 | $4.68 | $290,984 | Form 4 |
| 2026-10-15 | Wai Conrad | Sell · S | 23,627 | $4.68 | $110,574 | Form 4 |
| 2026-10-07 | Reynoso Jamie L. | Sell · S · 10b5-1 | 2,006 | $4.63 | $9,288 | Form 4 |
| 2026-10-05 | Reynoso Jamie L. | Sell · S · 10b5-1 | 8,750 | $4.42 | $38,675 | Form 4 |
| 2026-10-01 | Toy Andrew | Sell · S · 10b5-1 | 318,806 | $4.19 | $1,335,797 | Form 4 |
| 2026-09-17 | Reynoso Jamie L. | Sell · S · 10b5-1 | 1,921 | $4.56 | $8,760 | Form 4 |
| 2026-09-16 | OLDAKOWSKI JOSEPH FRANK | Sell · S · 10b5-1 | 3,170 | $4.64 | $14,709 | Form 4 |
| 2026-09-15 | Wai Conrad | Sell · S · 10b5-1 | 300,000 | $4.72 | $1,416,000 | Form 4 |
| 2026-09-15 | Reynoso Jamie L. | Sell · S · 10b5-1 | 9,273 | $4.78 | $44,325 | Form 4 |
| 2026-09-15 | Soares Karen | Sell · S · 10b5-1 | 6,846 | $4.78 | $32,724 | Form 4 |
| 2026-09-14 | OLDAKOWSKI JOSEPH FRANK | Sell · S | 20,000 | $5.16 | $103,200 | Form 4 |
| 2026-08-17 | THORNTON JOSEPH CLAY | Sell · S · 10b5-1 | 17,775 | $4.39 | $78,032 | Form 4 |
| 2026-08-10 | Toy Andrew | Sell · S · 10b5-1 | 87,798 | $4.65 | $408,261 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-10-21 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
CLOV presents a weak composite profile: below-average liquidity (45) and deteriorating fundamental trends (35) combine with a low-conviction earnings catalyst (35, confidence 0.45), leaving little margin of safety.
The first sentence of the analysis written for CLOV on 2026-10-21 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Neutral signal
Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Timing Supports a bullish reading. Interesting trend — weekly bias up
- Financial indicators Pulls against a bullish reading. Current ratio 1.47 · operating margin -4.4%
Suggested stop 4.42, nearest stored support minus 0.5 ATR(3.1% under the last close). Reward/risk to the next stored resistance is 4.46. Research, not advice. Not an order.
Recent news
- 2026-10-20 Clover Health Investments (NASDAQ:CLOV) Insider Karen Soares Sells 14,673 Shares of Company Stock Clover Health Investments, Corp. (NASDAQ: CLOV - Get Free Report) insider Karen Soares sold 14,673 shares of Clover Health Investments stock in a transaction on Thursday, October 15th. The stock was sold at an average price of $4.68, for a total transaction of $68,669.64. Following the sale, the insider directly owned 1,592,698 shares of the company''s
- 2026-10-20 Clover Health Investments (NASDAQ:CLOV) CEO Andrew Toy Sells 62,176 Shares of Stock Clover Health Investments, Corp. (NASDAQ: CLOV - Get Free Report) CEO Andrew Toy sold 62,176 shares of the firm''s stock in a transaction dated Thursday, October 15th. The shares were sold at an average price of $4.68, for a total value of $290,983.68. Following the sale, the chief executive officer owned 9,078,334 shares in the company,
- 2026-10-20 Clover Health Investments (NASDAQ:CLOV) CEO Conrad Wai Sells 23,627 Shares of Stock Clover Health Investments, Corp. (NASDAQ: CLOV - Get Free Report) CEO Conrad Wai sold 23,627 shares of the business''s stock in a transaction that occurred on Thursday, October 15th. The shares were sold at an average price of $4.68, for a total value of $110,574.36. Following the completion of the transaction, the chief executive officer owned
- 2026-10-19 Clover Health Earns Top Honors in U.S. News & World Report''s 2027 Medicare Advantage Ratings Across Three States WILMINGTON, Del., Oct. 19, 2026 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover Health” or “Clover”), a physician enablement technology company committed to bringing access to great healthcare to everyone on Medicare, today announced that it earned top distinctions across New Jersey, Georgia, and South Carolina in U.S. News & World Report''s 2027 Best Insurance Companies for Medicare Advantage (“MA”) ratings.
- 2026-10-08 Clover Health Medicare Advantage PPO Plans Earn 5 Star Rating for 2027 WILMINGTON, Del., Oct. 08, 2026 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today announced that the Centers for Medicare & Medicaid Services (“CMS”) has awarded its PPO Medicare Advantage (“MA”) plans a rating of 5 Stars and its HMO MA plan a rating of 4.5 Stars for 2027, which will affect payment year 2028.
- 2026-10-08 At 67, He’ll Keep His Clover Medicare Advantage Plan for 2027. The Premium Will Stay $0. The Most He Can Be Billed Will Jump $1,144 A $0 monthly premium sounds like free coverage until you read the pages most people skip. One number buried in the Annual Notice of Change quietly decides how much a serious diagnosis will actually cost in 2027.
- 2026-10-07 Clover Health to Report Third Quarter 2026 Financial Results on November 4, 2026 WILMINGTON, Del., Oct. 07, 2026 (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 Wednesday, November 4, 2026.
- 2026-10-01 Clover Health''s 2027 Medicare Advantage Plans Emphasize PPO Choice, Preventive Care and Member Value WILMINGTON, Del., Oct. 01, 2026 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), a physician enablement technology company committed to bringing access to great healthcare to everyone on Medicare, today announced its 2027 Medicare Advantage (MA) plan offerings, with a continued focus on PPO choice, affordable access to preventive care and meaningful member value.
- 2026-09-24 UPDATE – Clover Health Welcomes Former U.S. Senator Robert Torricelli and Dr. Brian J. Miller M.D. WILMINGTON, Del., Sept. 24, 2026 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”) today announced the appointments of former U.S. Senator Robert Torricelli and Dr. Brian J.
- 2026-09-24 Clover Health Welcomes Former U.S. Senator Robert Torricelli and MedPAC Commissioner Dr. Brian J. Miller M.D. WILMINGTON, Del., Sept. 24, 2026 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”) today announced the appointments of former U.S. Senator Robert Torricelli and Dr. Brian J.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 18.5% | 26.6% | 20.3% | 9.4% | -5.4% | |
| Ebit Margin | -4.4% | -3.4% | -16.7% | -23.1% | -38.8% | |
| Ebitda Margin | -4.4% | -3.3% | -16.5% | -23.0% | -38.7% | |
| Operating Profit Margin | -4.4% | -3.3% | -16.3% | -26.1% | -43.3% | |
| Pretax Profit Margin | -4.4% | -3.4% | -16.7% | -23.2% | -39.9% | |
| Continuous Operations Profit Margin | -4.4% | -3.4% | -16.7% | -23.2% | -39.9% | |
| Net Profit Margin | -4.4% | -3.1% | -16.9% | -31.0% | -39.9% | |
| Bottom Line Profit Margin | -4.4% | -3.1% | -16.9% | -31.0% | -39.9% | |
| Current Ratio | 1.474 | 1.607 | 1.639 | 1.448 | 2.020 | |
| Quick Ratio | 1.474 | 1.607 | 1.639 | 1.448 | 2.020 | |
| Solvency Ratio | -0.361 | -0.174 | -0.742 | -0.749 | -1.425 | |
| Cash Ratio | 0.375 | 0.911 | 0.446 | 0.241 | 0.805 | |
| Price To Earnings Ratio | -13.824 | -35.877 | -2.116 | -1.309 | -2.976 | |
| Price To Earnings Growth Ratio | -0.148 | 0.446 | 0.058 | 0.030 | -0.007 | |
| Forward Price To Earnings Growth Ratio | -0.148 | 0.446 | 0.058 | 0.030 | -0.007 | |
| Price To Earnings Diluted Ratio | -13.824 | -35.877 | -2.116 | -1.309 | -2.976 | |
| Price To Earnings Diluted Growth Ratio | -0.148 | 0.446 | 0.058 | 0.030 | -0.007 | |
| Price To Book Ratio | 3.937 | 4.525 | 1.603 | 1.240 | 3.271 | |
| Price To Sales Ratio | 0.632 | 1.126 | 0.364 | 0.404 | 1.190 | |
| Price To Free Cash Flow Ratio | -17.622 | 46.368 | -3.942 | -2.124 | -6.188 | |
| Price To Operating Cash Flow Ratio | -18.160 | 44.298 | -3.962 | -2.171 | -6.204 | |
| Debt To Assets Ratio | 0.000 | 0.000 | 0.008 | 0.007 | 0.029 | |
| Debt To Equity Ratio | 0.000 | 0.000 | 0.016 | 0.016 | 0.052 | |
| Debt To Capital Ratio | 0.000 | 0.000 | 0.016 | 0.016 | 0.049 | |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.036 | |
| Financial Leverage Ratio | 1.753 | 1.702 | 1.993 | 2.266 | 1.776 | |
| Working Capital Turnover Ratio | 16.833 | 9.250 | 6.996 | 3.825 | 7.261 | |
| Operating Cash Flow Ratio | -0.321 | 0.163 | -0.444 | -0.473 | -0.758 | |
| Operating Cash Flow Sales Ratio | -0.035 | 0.025 | -0.092 | -0.186 | -0.192 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.031 | 0.955 | 1.005 | 1.022 | 1.003 | |
| Debt Service Coverage Ratio | 0.000 | 0.000 | -29,661.714 | -184.911 | -33.684 | |
| Interest Coverage Ratio | 0.000 | 0.000 | -29,332.714 | -210.318 | -37.670 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | -24.849 | -34.800 | -10.146 | |
| Capital Expenditure Coverage Ratio | -32.763 | 22.394 | -198.409 | -45.652 | -390.492 | |
| Dividend Paid And Capex Coverage Ratio | -32.763 | 22.394 | -198.409 | -45.652 | -5.905 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | -0.080 | |
| Enterprise Value Multiple | -13.560 | -30.021 | -1.673 | -1.368 | -2.597 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 18.5% | ▼-8.1% | ▲4.6% |
| Ebit Margin | -4.5% | ▼-1.1% | ▲12.8% |
| Ebitda Margin | -4.4% | ▼-1.1% | ▲12.8% |
| Operating Profit Margin | -4.4% | ▼-1.1% | ▲14.2% |
| Pretax Profit Margin | -4.5% | ▼-1.1% | ▲13.1% |
| Continuous Operations Profit Margin | -4.5% | ▼-1.1% | ▲13.1% |
| Net Profit Margin | -4.5% | ▼-1.3% | ▲14.6% |
| Bottom Line Profit Margin | -4.5% | ▼-1.3% | ▲14.6% |
| Current Ratio | 1.474 | ▼-0.133 | ▼-0.163 |
| Quick Ratio | 1.474 | ▼-0.133 | ▼-0.163 |
| Solvency Ratio | -0.361 | ▼-0.187 | ▲0.329 |
| Cash Ratio | 0.375 | ▼-0.536 | ▼-0.180 |
| Price To Earnings Ratio | -13.823 | ▲22.053 | ▼-2.603 |
| Price To Earnings Growth Ratio | -0.148 | ▼-0.593 | ▼-0.224 |
| Forward Price To Earnings Growth Ratio | -0.148 | ▼-0.593 | ▼-0.224 |
| Price To Earnings Diluted Ratio | -13.823 | ▲22.053 | ▼-2.603 |
| Price To Earnings Diluted Growth Ratio | -0.148 | ▼-0.593 | ▼-0.224 |
| Price To Book Ratio | 3.938 | ▼-0.587 | ▲1.022 |
| Price To Sales Ratio | 0.632 | ▼-0.494 | ▼-0.111 |
| Price To Free Cash Flow Ratio | -17.622 | ▼-63.990 | ▼-20.920 |
| Price To Operating Cash Flow Ratio | -18.160 | ▼-62.458 | ▼-20.920 |
| Debt To Assets Ratio | 0.000 | 0.000 | ▼-0.009 |
| Debt To Equity Ratio | 0.000 | 0.000 | ▼-0.017 |
| Debt To Capital Ratio | 0.000 | 0.000 | ▼-0.016 |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | ▼-0.007 |
| Financial Leverage Ratio | 1.752 | ▲0.050 | ▼-0.145 |
| Working Capital Turnover Ratio | 16.833 | ▲7.583 | ▲8.000 |
| Operating Cash Flow Ratio | -0.321 | ▼-0.484 | ▲0.046 |
| Operating Cash Flow Sales Ratio | -0.035 | ▼-0.060 | ▲0.061 |
| Free Cash Flow Operating Cash Flow Ratio | 1.030 | ▲0.075 | ▲0.027 |
| Debt Service Coverage Ratio | 0.000 | 0.000 | ▲5976.062 |
| Interest Coverage Ratio | 0.000 | 0.000 | ▲5916.140 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▲13.959 |
| Capital Expenditure Coverage Ratio | -32.763 | ▼-55.157 | ▲96.222 |
| Dividend Paid And Capex Coverage Ratio | -32.763 | ▼-55.157 | ▲19.304 |
| Dividend Payout Ratio | 0.000 | 0.000 | ▲0.016 |
| Enterprise Value Multiple | -13.560 | ▲16.461 | ▼-3.716 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.22B | $1.54B | $459.1M | $442.7M | $1.75B | |
| Enterprise value | $1.14B | $1.35B | $347.3M | $344.7M | $1.48B | |
| EV / Sales | 0.59x | 0.98x | 0.28x | 0.31x | 1.00x | |
| EV / Op. cash flow | -16.99x | 38.72x | -3.00x | -1.69x | -5.24x | |
| EV / Free cash flow | -16.49x | 40.52x | -2.98x | -1.65x | -5.23x | |
| EV / EBITDA | -13.56x | -30.02x | -1.67x | -1.37x | -2.60x | |
| Net debt / EBITDA | 0.93x | 4.33x | 0.54x | 0.39x | 0.48x | |
| Current ratio | 1.47x | 1.61x | 1.64x | 1.45x | 2.02x | |
| Income quality | 0.78x | -0.81x | 0.54x | 0.60x | 0.48x | |
| Graham net-net | -$0 | $0 | $0 | $0 | $1 | |
| Tax burden | 100.0% | 93.0% | 101.5% | 133.4% | 100.0% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.5% | 103.0% | |
| Working capital | $99.0M | $129.6M | $166.9M | $193.5M | $379.9M | |
| Invested capital | $108.4M | $137.9M | $174.9M | $223.3M | $391.8M | |
| Return on assets | -15.8% | -7.4% | -37.4% | -42.0% | -61.8% | |
| Operating ROA | -15.2% | -7.9% | -29.8% | -32.6% | -104.6% | |
| Return on tangible assets | -15.9% | -7.4% | -37.6% | -43.1% | -62.1% | |
| Return on equity | -27.7% | -12.6% | -74.5% | -95.1% | -109.8% | |
| Return on invested capital | -25.7% | -12.5% | -66.0% | -75.6% | -109.6% | |
| Return on capital employed | -25.7% | -12.5% | -66.3% | -76.0% | -110.2% | |
| Earnings yield | -7.0% | -2.8% | -46.5% | -76.7% | -33.6% | |
| Free cash flow yield | -5.7% | 2.2% | -25.4% | -47.1% | -16.2% | |
| Capex / Op. cash flow | -3.1% | 4.5% | -0.5% | -2.2% | -0.3% | |
| Capex / Depreciation | 121.2% | 116.9% | 23.3% | 376.3% | 58.0% | |
| Capex / Sales | 0.1% | 0.1% | 0.0% | 0.4% | 0.0% | |
| SG&A / Sales | 9.2% | 29.8% | 34.9% | 44.0% | 30.3% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 5.4% | 8.3% | 11.2% | 15.0% | 11.1% | |
| Intangibles / Total assets | 0.6% | 0.5% | 0.5% | 2.5% | 0.4% | |
| Days sales outstanding | 30d | 25d | 25d | 56d | 27d | |
| Days payables outstanding | 8d | 13d | 14d | 12d | 7d | |
| Operating cycle | 30d | 25d | 25d | 56d | 27d | |
| Cash conversion cycle | 22d | 12d | 11d | 44d | 21d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-21.3%EV / Sales ▼-39.9%EV / EBITDA ▲+54.8%EV / Op. cash flow ▼-55.705Earnings yield ▼-0.043
Profitability
Return on equity ▼-0.151Return on assets ▼-0.084Return on invested capital ▼-0.133Return on capital employed ▼-0.133Operating ROA ▼-0.073Income quality ▲+1.593Tax burden ▲+0.070
Efficiency
Days sales outstanding ▲+5.408Days payables outstanding ▼-4.110Operating cycle ▲+5.408Cash conversion cycle ▲+9.518Capex / Sales -0.000R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.133Net debt / EBITDA ▼-3.396Working capital ▼-30576000.000Invested capital ▼-29498000.000Intangibles / Total assets +0.000
Change over 5 years
Valuation
Market cap ▼-30.6%EV / Sales ▼-41.2%EV / EBITDA ▼-422.1%EV / Op. cash flow ▼-11.750Earnings yield ▲+0.265
Profitability
Return on equity ▲+0.821Return on assets ▲+0.460Return on invested capital ▲+0.838Return on capital employed ▲+0.844Operating ROA ▲+0.893Income quality ▲+0.302Tax burden 0.000
Efficiency
Days sales outstanding ▲+2.978Days payables outstanding ▲+1.808Operating cycle ▲+2.978Cash conversion cycle ▲+1.170Capex / Sales ▲+0.001R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.545Net debt / EBITDA ▲+0.456Working capital ▼-280890000.000Invested capital ▼-283402000.000Intangibles / Total assets ▲+0.001