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Clover Health Investments, Corp.

CLOV

NASDAQHealthcareMedical - Healthcare Plans

Open in GoAI

Previous close

$4.15

+$0.05 · +1.22%

Aug 21, 4:00 PM ET

CLOV company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

74

Undervalued

Momentum

67

Gaining

Sentiment

37

Bearish

Risk resilience

36

High Risk

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Company profile

Company website

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.

Industry
Medical - Healthcare Plans
Sector
Healthcare
Headquarters
US
CEO
Andrew Toy
Listed since
Jun 12, 2020
Employees
724

Market position

Day range

Current $4.15

52-week range

Current $4.15

Open
$4.14
Previous close
$4.10
Volume
2.72M
0.4× average
Average volume
6.74M
Average daily volume
Market cap
2.15B USD
Beta
2.49
Market reference 1
50-day average
$4.6647
-11.03% below average
200-day average
$3.062
+35.53% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.14B USD
EV / EBITDA
-13.56×
Earnings yield
-7.04%
Free cash flow yield
-5.67%

Profitability & efficiency

Return on equity
-27.71%
Return on assets
-15.81%
Return on invested capital
-25.75%

Financial health

Current ratio
1.47×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends34%6%-22%-50%Gross margin, FY2021: -5.38%Gross margin, FY2022: 9.44%Gross margin, FY2023: 20.30%Gross margin, FY2024: 26.61%Gross margin, FY2025: 18.49%Operating margin, FY2021: -43.27%Operating margin, FY2022: -26.14%Operating margin, FY2023: -16.29%Operating margin, FY2024: -3.34%Operating margin, FY2025: -4.44%Net margin, FY2021: -39.93%Net margin, FY2022: -30.97%Net margin, FY2023: -16.93%Net margin, FY2024: -3.14%Net margin, FY2025: -4.45%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 -5.38%. Gross margin FY2022 9.44%. Gross margin FY2023 20.30%. Gross margin FY2024 26.61%. Gross margin FY2025 18.49%. Operating margin FY2021 -43.27%. Operating margin FY2022 -26.14%. Operating margin FY2023 -16.29%. Operating margin FY2024 -3.34%. Operating margin FY2025 -4.44%. Net margin FY2021 -39.93%. Net margin FY2022 -30.97%. Net margin FY2023 -16.93%. Net margin FY2024 -3.14%. Net margin FY2025 -4.45%.

Income trends

Revenue

1.92B USD+40.34%

Operating income

−85.53M USD-86.95%

Net income

−85.55M USD-98.91%
Income trends across reported periods2.18B USD1.16B USD131.4M USD−893.12M USDRevenue, FY2021: 1.47B USDRevenue, FY2022: 1.1B USDRevenue, FY2023: 1.26B USDRevenue, FY2024: 1.37B USDRevenue, FY2025: 1.92B USDOperating income, FY2021: −636.99M USDOperating income, FY2022: −286.66M USDOperating income, FY2023: −205.33M USDOperating income, FY2024: −45.75M USDOperating income, FY2025: −85.53M USDNet income, FY2021: −587.76M USDNet income, FY2022: −339.57M USDNet income, FY2023: −213.36M USDNet income, FY2024: −43.01M USDNet income, FY2025: −85.55M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.47B USD. Revenue FY2022 1.1B USD. Revenue FY2023 1.26B USD. Revenue FY2024 1.37B USD. Revenue FY2025 1.92B USD. Operating income FY2021 −636.99M USD. Operating income FY2022 −286.66M USD. Operating income FY2023 −205.33M USD. Operating income FY2024 −45.75M USD. Operating income FY2025 −85.53M USD. Net income FY2021 −587.76M USD. Net income FY2022 −339.57M USD. Net income FY2023 −213.36M USD. Net income FY2024 −43.01M USD. Net income FY2025 −85.55M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.92B USD1.37B USD1.26B USD1.1B USD1.47B USD
Cost of goods sold1.57B USD1.01B USD1B USD993.07M USD1.55B USD
Gross profit355.88M USD364.8M USD255.95M USD103.48M USD−79.18M USD
Selling, general, and administrative176.32M USD408.93M USD440.25M USD482.4M USD445.75M USD
Operating expenses441.43M USD410.55M USD461.28M USD390.14M USD557.81M USD
Interest expense——7K USD1.36M USD16.91M USD
Depreciation and amortization1.69M USD1.33M USD2.51M USD1.19M USD1.25M USD
Operating income−85.53M USD−45.75M USD−205.33M USD−286.66M USD−636.99M USD
Net income−85.55M USD−43.01M USD−213.36M USD−339.57M USD−587.76M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

9 ratings
Strong buy00%
Buy111%
Hold556%
Sell333%
Strong sell00%

Recent analyst actions

3 institutions
Leerink PartnersmaintainMarket Perform

CLOV news

seekingalpha.com

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…

Read source
seekingalpha.com

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…

Read source
marketbeat.com

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…

Read source
seekingalpha.com

Clover Health Investments, Corp. (CLOV) Q2 2026 Earnings Call Transcript

Clover Health Investments, Corp. (CLOV) Q2 2026 Earnings Call Transcript

Read source
marketbeat.com

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…

Read source
globenewswire.com

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…

Read source

Corporate actions

Corporate action history

Dividend

Ex-dividend Aug 23, 2021

$0.10

Irregular

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ETFs holding CLOV

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
54.35M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
44.9M
Weight
0.06%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
19.49M
Weight
0.02%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
16.24M
Weight
0.11%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$387.37+1.24%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
9.84M
Weight
0.06%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
Schwab U.S. Small-Cap ETF logoSchwab U.S. Small-Cap ETFSCHA
Market value
7.99M
Weight
0.03%
AUM
23.1B USD
Expense ratio
0.03%
Price / 1D
$34.83+0.52%
Schwab Fundamental U.S. Small Company Index ETF logoSchwab Fundamental U.S. Small Company Index ETFFNDA
Market value
6.76M
Weight
0.07%
AUM
9.26B USD
Expense ratio
0.25%
Price / 1D
$37.73+0.75%
Vanguard Health Care ETF logoVanguard Health Care ETFVHT
Market value
5.15M
Weight
0.02%
AUM
20.9B USD
Expense ratio
0.09%
Price / 1D
$327.7+1.24%

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