CLOV
VENTE TOTALE: 463 985 titres (~2 368 813,39 $ US)
- Insiders
- Toy Andrew
- Total bought
- —
- Total sold
- $2,368,813
- Last activity
- 2026-08-10
- Last synced
-
2026-08-16 09:56:14
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-08-13
CLOV presents a credible near-term earnings catalyst (Q2 2026 beat, raised guidance, GAAP profitability target via AI-driven Medicare Advantage growth) with a confidence-adjusted catalyst score of ~46, but this is…
The first sentence of the analysis written for CLOV on 2026-08-13 - 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.
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
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-15 Clover Health Investments: Real Turnaround, But Already Priced In Clover Health Investments (CLOV) is rated Hold, with operational execution but a cautious outlook due to valuation and litigation risks. CLOV''s Medicare Advantage membership grew 48% YoY, revenue and GAAP net income improved, but profitability per member lags FY2024 levels. FY2026 guidance implies negative H2 results; $120M in quality bonus revenue is at risk pending CMS litigation outcome.
- 2026-08-14 Clover Health Is Proving Its Profit Model Clover Health (CLOV) has delivered strong growth, profitability, and improved guidance, supporting my continued Strong Buy rating. CLOV''s Medicare Advantage membership grew 48% YoY, with revenue up 56% and gross profit up 54%, driven by cohort maturation and the Clover Assistant platform. Valuation remains attractive at a 78% discount to sector median EV/sales, with upside potential if per-member profitability and SaaS revenue trends persist.
- 2026-08-11 Clover Health Eyes 2026 GAAP Profit as AI Platform Fuels Medicare Advantage Growth Clover Health Investments NASDAQ: CLOV is positioning its Medicare Advantage model around earlier identification and treatment of chronic conditions, Interim Chief Financial Officer Clay Thornton said during a Canaccord Genuity conference presentation.
- 2026-08-05 Clover Health Investments, Corp. (CLOV) Q2 2026 Earnings Call Transcript Clover Health Investments, Corp. (CLOV) Q2 2026 Earnings Call Transcript
- 2026-08-05 Clover Health Investments Q2 Earnings Call Highlights Clover Health Investments NASDAQ: CLOV reported second-quarter results that showed continued Medicare Advantage membership growth alongside profitability, while raising its full-year 2026 outlook across its key financial measures.
- 2026-08-05 Clover Health Reports Second Quarter 2026 Results Business Highlights: Delivered strong second quarter 2026 GAAP Net Income alongside continued market-leading Medicare Advantage membership growth Improved Full Year 2026 guidance across all metrics Increasing confidence for 2027 outlook, supported by strong cohort development, continued clinical engagement, and the added flexibility of a 4.5 Star payment year Financial Results: Second quarter 2026 GAAP Net Income of $28 million, an improvement of $39 million year-over-year Second quarter 2026 Medicare Advantage membership of 157,309, up 48% year-over-year, and Total revenues of $743 million, up 56% year-over-year Second quarter 2026 Consolidated Gross Profit of $153 million, up 54% year-over-year, and Adjusted EBITDA of $41 million, up 139% year-over-year Improved Full Year 2026 Guidance: Average Medicare Advantage membership of 156,000 - 158,000, representing 47% growth year-over-year at the midpoint Total revenues between $2.92 billion and $3.00 billion, representing 54% growth year-over-year at the midpoint Consolidated Gross Profit between $525 million and $555 million, representing 52% growth year-over-year at the midpoint Adjusted EBITDA profitability between $70 million and $85 million GAAP Net Income between $20 million and $35 million WILMINGTON, Del., Aug. 05, 2026 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today reported financial results for the second quarter 2026.
- 2026-08-03 Is Clover Health Finally Turning the Corner? Clover Health (NASDAQ:CLOV) has spent years as a speculative bet on a technology-led Medicare Advantage model.
- 2026-07-31 Clover Health''s CEO Just Sold 62,711 Shares for Tax Withholding. The Bigger News Comes Next Week. The disposition involved 62,711 shares at a weighted average price of $4.67 per share, totaling ~$292,860 in transaction value. The transaction represented 0.65% of the executive''s direct equity holdings in the healthcare firm.
- 2026-07-22 Clover Health to Participate in Upcoming Canaccord Genuity 46th Annual Growth Conference WILMINGTON, Del., July 22, 2026 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today announced that its Interim Chief Financial Officer, Clay Thornton, will present at the 2026 Canaccord Genuity 46th Annual Growth Conference on Tuesday, August 11, 2026, at 8:30 a.m.
- 2026-07-17 Clover Health says employee accounts accessed in cyber incident Clover Health Investments said in a regulatory filing on Friday that it detected unusual login activity on some of its information systems on July 4 and later found a hacker had gained access to three employee accounts through social engineering.