Clover Health
CLOV
4.56
-0.04
-0.87%
Clover Health
US · CLOV
#2665 by market cap
Listed 1970
4.56
-0.04
-0.87%
Live - 5344 symbols - heartbeat 548s ago
· 2026-10-08 05:51
Pre-market
4.56
0.00%
After-hours
4.60
+0.82%
Overnight
4.60
+0.88%
- Market cap
- 2.42B
- P/E (TTM)i
- -91.20
- P/Bi
- 6.44
- EPSi
- -0.17
- Div yieldi
- 0.00%
- 52W posi
- 74%
Reader sentiment
Are you bullish or bearish on CLOV?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 3.59, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 7 years
Latest year +40.34% YoY
Margins
- Gross margin
- 18.50%
- Operating margin
- -4.44%
- Net margin
- -4.45%
Key ratios & quality
- Altman Z-Scorei
- 3.59
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 462.27M | 672.89M | 1.47B | 1.10B | 1.26B | 1.37B | 1.92B |
| Gross profit | 12.57M | 82.81M | -79.18M | 103.48M | 255.95M | 364.80M | 355.90M |
| Selling & admin expenses | 187.33M | 192.09M | 445.75M | 482.40M | 440.25M | 408.93M | 439.75M |
| Research & development | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | -183.20M | -92.71M | -636.99M | -286.66M | -179.56M | -45.46M | -85.53M |
| Pretax profit | -363.74M | -136.39M | -587.76M | -254.58M | -210.15M | -46.27M | -85.55M |
| Tax | -- | -- | -- | -- | -- | -- | -- |
| Net profit | -363.74M | -136.39M | -587.76M | -339.57M | -213.36M | -43.01M | -85.55M |
| Basic EPS | -1 | 0 | -1 | -1 | 0 | 0 | 0 |
| Diluted EPS | -0.90 | -0.34 | -1.42 | -0.71 | -0.45 | -0.08 | -0.17 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 462.33M | 477.62M | 496.65M | 487.71M | 749.19M | 743.17M |
| Gross profit | 108.89M | 99.63M | 73.18M | 74.21M | 159.54M | 153.00M |
| Selling & admin expenses | 109.70M | 109.79M | 97.15M | 123.11M | 131.69M | 124.44M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | -1.27M | -10.56M | -24.38M | -49.32M | 27.33M | 28.00M |
| Pretax profit | -1.27M | -10.58M | -24.38M | -49.32M | 27.33M | 28.00M |
| Tax | -- | -- | -- | -- | -- | -- |
| Net profit | -1.27M | -10.58M | -24.38M | -49.32M | 27.33M | 28.00M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.00 | -0.02 | -0.05 | -0.10 | 0.05 | 0.05 |
Balance sheet
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Total current assets | 0 | 189.78M | 752.55M | 625.00M | 427.97M | 343.12M | 307.86M |
| Cash & ST investments | 0 | 96.71M | 615.26M | 334.76M | 236.23M | 221.56M | 120.26M |
| Inventory | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 100.35K | 267.25M | 950.80M | 808.62M | 570.67M | 580.74M | 541.01M |
| Total current liabilities | 117.98K | 164.23M | 372.62M | 431.51M | 261.12M | 213.52M | 208.82M |
| Short-term debt | -- | 25.60M | 3.06M | 1.83M | -- | -- | -- |
| Long-term debt | -- | 106.41M | 19.94M | -- | -- | -- | -- |
| Total liabilities | 117,977.00 | 880,445,000.00 | 411,487,000.00 | 451,733,000.00 | 284,277,000.00 | 239,599,000.00 | 232,307,000.00 |
| Total equity | -17.63K | -613.19M | 539.32M | 356.89M | 286.39M | 341.14M | 308.70M |
| Retained earnings | -17.63K | -1.03B | -1.62B | -1.95B | -2.16B | -2.20B | -2.29B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 331.41M | 362.94M | 330.92M | 307.86M | 448.02M | 485.45M |
| Cash & ST investments | 160.10M | 201.27M | 202.84M | 120.26M | 203.54M | 243.10M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 583.72M | 574.99M | 559.66M | 541.01M | 697.73M | 720.33M |
| Total current liabilities | 215.65M | 201.95M | 193.45M | 208.82M | 336.58M | 323.33M |
| Short-term debt | -- | -- | -- | -- | -- | -- |
| Long-term debt | -- | -- | -- | -- | -- | -- |
| Total liabilities | 247,642,000.00 | 230,808,000.00 | 218,727,000.00 | 232,307,000.00 | 358,302,000.00 | 344,069,000.00 |
| Total equity | 336.08M | 344.18M | 340.93M | 308.70M | 339.43M | 376.26M |
| Retained earnings | -2.20B | -2.21B | -2.24B | -2.29B | -2.26B | -2.23B |
Cash flow
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | -159.88M | -118.50M | -282.33M | -203.93M | -144.66M | 34.85M | -66.93M |
| Depreciation & amortization | 551.00K | 555.00K | 1.25M | 1.19M | 2.51M | 1.33M | 1.69M |
| Free cash flow | -159.90M | -119.19M | -283.05M | -208.39M | -145.25M | 33.29M | -68.98M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 601.00K | 791.00K | 289.77M | -4.96M | -5.07M | -17.36M | -53.38M |
| Ending cash balance | 67.60M | 92.35M | 299.97M | 186.21M | 176.49M | 194.54M | 78.30M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | -16.29M | 5.41M | 12.10M | -68.15M | 107.90M | 25.19M |
| Depreciation & amortization | 466.00K | 394.00K | 406.00K | 420.00K | 515.00K | 564.00K |
| Free cash flow | -16.48M | 4.84M | 11.41M | -68.75M | 107.04M | 24.51M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -31.74M | -7.77M | -5.27M | -8.61M | -7.86M | 416.00K |
| Ending cash balance | 155.44M | 188.65M | 190.06M | 78.30M | 173.27M | 198.84M |
Returns & efficiency
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| ROE %i | -- | -1.70 | -88.46 | -76.74 | -67.29 | -13.71 | -26.33 |
| ROA %i | -362,482.81 | -1.57 | -65.05 | -38.52 | -30.94 | -7.47 | -15.25 |
| ROIC %i | -- | -1.73 | -82.59 | -73.62 | -66.19 | -13.71 | -26.33 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | -70.23 | -- | -38.78 | -9.71 | -10.49 | -3.37 | -4.45 |
| FCF / sales %i | -- | -- | -- | -- | -- | 2.43 | -- |
| Current ratioi | -- | 1.16 | 2.02 | 1.45 | 1.64 | 1.61 | 1.47 |
| Quick ratioi | -- | 1.11 | 1.94 | 1.16 | 1.23 | 1.47 | 1.34 |
| Debt / assetsi | -- | 51.77 | 2.93 | 0.72 | -- | -- | -- |
| LT debt / equityi | -- | -- | 4.63 | 1.13 | -- | -- | -- |
| Interest coveragei | -8.31 | -- | -33.76 | -247.60 | -30,479.14 | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | 33.37 | 23.27 | -2.34 | 20.62 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -7.99 | -12.88 | -17.08 | -26.33 | -16.86 | -5.10 |
| ROA %i | -4.00 | -6.90 | -9.62 | -15.25 | -8.89 | -2.84 |
| ROIC %i | -7.99 | -12.88 | -17.08 | -26.33 | -16.86 | -5.10 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | -1.69 | -2.70 | -3.30 | -4.45 | -2.58 | -0.74 |
| FCF / sales %i | -- | -- | -- | -- | 2.47 | 3.00 |
| Current ratioi | 1.54 | 1.80 | 1.71 | 1.47 | 1.33 | 1.50 |
| Quick ratioi | 1.38 | 1.65 | 1.58 | 1.34 | 1.21 | 1.38 |
| Debt / assetsi | -- | -- | -- | -- | -- | -- |
| LT debt / equityi | -- | -- | -- | -- | -- | -- |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Single-engine
- Insurance is the largest reported line at 99.33% of revenue, across 2 reported segments.
- The next-largest line, Other income, is a distant second at 0.67% - a sharp slowdown here would have little to offset it.
Revenue breakdown most recent period
Business
Insurance99.33%
Other income0.67%
Quote time 2026-10-08 05:51:28 · For reference only, not investment advice and not tailored to your situation.