Clover Health Investments, Corp. (CLOV) AI Stock Analysis

Clover Health Investments, Corp. is a Medicare Advantage insurer based in Franklin, Tennessee, providing coverage across the United States. Founded in 2014, the company offers preferred provider organization (PPO) and health maintenance organization (HMO) plans designed for Medicare-eligible individuals. A central differentiator is its Clover Assistant software platform, which supports healthcare delivery and clinical workflows. Beyond insurance operations, the company participates in non-insurance healthcare sectors to expand its reach and improve the healthcare consumer experience. The company employs 724 people and focuses on leveraging technology to improve accessibility and affordability for Medicare beneficiaries.

Clover Health grew annual revenue from $1.47B in FY2021 to $1.92B in FY2025, reflecting a 5-year revenue CAGR of 23.4% through FY2025. Annual net losses narrowed substantially over that span, improving from -$587.8M (EPS of -$1.27) in FY2021 to -$85.5M (EPS of -$0.07) in FY2025, alongside gross margin expansion from -5.4% to 18.5%. For the trailing twelve months ended June 30, 2026, revenue stood at $2.48B, with an operating margin of 3.8% and EPS of -$0.05. In the latest quarter, quarterly revenue growth reached 55.6% year-over-year.

As of June 30, 2026, Clover Health held $201.3M in cash and short-term investments, with total assets of $720.3M and shareholders' equity of $376.3M. Its current ratio stood at 1.50. During FY2025, the company reported operating cash flow of -$66.9M and free cash flow of -$69.0M, spending $2.0M on capital expenditures. Cash deployment also included $55.2M spent on share buybacks in FY2025, while the 5-year share count change was 15.8%.

Clover Health trades at an enterprise value of $2.10B and a market cap of $2.38B. Its forward P/E ratio is 37.7x, which sits above the 17.3x forward P/E median of its US-listed Healthcare peers. Its price-to-sales ratio is 1.0x, compared to the peer group median of 4.1x, and its EV-to-revenue ratio is 0.8x. Over the past year, CLOV gained 65.9% compared to a 16.8% return for the S&P 500, though its 5-year return sits at -43.4% against the index's 83.0% gain.

Wall Street coverage includes 2 Strong Buy ratings and 2 Hold ratings, with zero Buy, Sell, or Strong Sell recommendations. The mean price target is $5.38, representing a 20.0% premium over the last close of $4.48. For the fiscal year ending December 31, 2026, consensus expectations project revenue of $2.95B and EPS of $0.14, representing 259.0% EPS growth. The company beat EPS expectations in 2 of the last 4 quarters, and its next earnings date is scheduled for November 4, 2026.

This page is an AI-written research summary of Clover Health Investments, Corp. (CLOV). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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