Clover Health Financials

CLOV Stock  USD 3.84  0.00  0.00%   
Clover Health Investments is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April. At this time, Clover Health's Liabilities And Stockholders Equity is fairly stable compared to the past year. Total Liabilities is likely to climb to about 297.6 M in 2025, despite the fact that Retained Earnings are likely to grow to (2.1 B). Key indicators impacting Clover Health's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio1.531.607
Notably Down
Very volatile
Investors should never underestimate Clover Health's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Clover Health's cash flow, debt, and profitability to make informed and accurate decisions about investing in Clover Health Investments.

Net Income

(45.16 Million)

  
Understanding current and past Clover Health Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Clover Health's financial statements are interrelated, with each one affecting the others. For example, an increase in Clover Health's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Clover Health's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Clover Health Investments. Check Clover Health's Beneish M Score to see the likelihood of Clover Health's management manipulating its earnings.

Clover Health Stock Summary

Clover Health competes with Skillz Platform, BlackBerry, Fubotv, and SNDL. Clover Health Investments, Corp. operates as a medicare advantage insurer in the United States. Clover Health Investments, Corp. was incorporated in 2014 and is based in Franklin, Tennessee. Clover Health operates under Healthcare Plans classification in the United States and is traded on NASDAQ Exchange. It employs 680 people.
Foreign Associate
  Pakistan
Specialization
Health Care, Health Care Equipment & Services
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS18914F1030
CUSIP18914F103 G8251K107
LocationTennessee; U.S.A
Business Address3401 Mallory Lane,
SectorHealth Care Providers & Services
IndustryHealth Care
BenchmarkDow Jones Industrial
Websitewww.cloverhealth.com/en/
Phone201 432 2133
CurrencyUSD - US Dollar

Clover Health Key Financial Ratios

Clover Health Key Balance Sheet Accounts

202020212022202320242025 (projected)
Other Current Liab108.0M341.4M397.2M219.2M179.0M195.6M
Other Liab168.0M155.7M14.1M16.2M14.6M13.8M
Net Tangible Assets(492.8M)(621.3M)404.2M327.7M376.9M395.7M
Retained Earnings(6.8M)(1.6B)(2.0B)(2.2B)(2.2B)(2.1B)
Accounts Payable30.7M28.1M32.4M37.2M34.6M48.0M
Other Assets(67.6M)(589.2M)950.8M15.7M18.1M17.2M
Net Receivables84.9M109.4M147.2M113.8M130.9M99.3M
Other Current Assets299.7K17.2M42.6M71.5M121.6M127.7M
Total Current Assets28.3M752.5M625.0M428.0M343.1M383.3M
Common Stock9K788.5M46K49K50K47.5K
Total Assets267.3M950.8M808.6M570.7M580.7M582.7M
Net Debt(27.2M)(272.1M)(97.9M)(118.2M)(194.5M)(184.8M)
Cash28.0M300.0M103.8M122.9M194.5M149.7M
Total Liab835.6M411.5M460.9M284.3M239.6M297.6M
Net Invested Capital794.3M555.4M347.7M286.4M341.1M310.0M
Net Working Capital(5.6M)379.9M184.3M166.9M129.6M156.7M

Clover Health Key Income Statement Accounts

The reason investors look at the income statement is to determine what Clover Health's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
202020212022202320242025 (projected)
Ebit(79.3M)(570.8M)(253.2M)(210.1M)(46.3M)(48.6M)
Total Revenue672.9M1.5B1.1B1.3B1.4B1.2B
Gross Profit82.4M(79.2M)103.5M256.0M364.8M383.0M
Operating Income(92.7M)(637.0M)(286.7M)(205.3M)(45.7M)(48.0M)
Ebitda(78.7M)(569.6M)(252.0M)(207.6M)(44.9M)(47.2M)
Cost Of Revenue590.5M1.6B993.1M1.0B1.0B1.0B
Income Before Tax(91.6M)(587.8M)(254.6M)(210.1M)(46.3M)(48.6M)
Net Income(148.7M)(587.8M)(339.6M)(213.4M)(43.0M)(45.2M)
Income Tax Expense57.1M16.9M(33.4M)(208.5M)(187.7M)(178.3M)

Clover Health Key Cash Accounts

202020212022202320242025 (projected)
Investments138.1M(434.7M)95.1M69.0M565K593.3K
Change In Cash(39.6M)207.6M(113.8M)(9.7M)18.0M19.0M
Depreciation555K1.2M1.2M2.5M1.3M1.2M
Capital Expenditures693K723K4.5M584K1.6M1.5M
Net Income(6.7M)(587.8M)(338.8M)(213.4M)(43.0M)(45.2M)
End Period Cash Flow28.0M300.0M186.2M176.5M194.5M161.6M
Change To Netincome155.1M20.7M97.8M35.4M31.8M51.3M
Change To Inventory2.2M9.4M8.0M(4.8M)(4.3M)(4.1M)
Free Cash Flow(2.9M)(283.0M)(208.4M)(116.5M)33.3M35.0M
Other Non Cash Items(117.3K)13.9M(128.9M)9.5M(50.7M)(48.1M)

Clover Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Clover Health's current stock value. Our valuation model uses many indicators to compare Clover Health value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Clover Health competition to find correlations between indicators driving Clover Health's intrinsic value. More Info.
Clover Health Investments is rated second in return on equity category among its peers. It also is rated second in return on asset category among its peers . At this time, Clover Health's Return On Equity is fairly stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Clover Health by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Clover Health Investments Systematic Risk

Clover Health's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Clover Health volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Clover Health Investments correlated with the market. If Beta is less than 0 Clover Health generally moves in the opposite direction as compared to the market. If Clover Health Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Clover Health Investments is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Clover Health is generally in the same direction as the market. If Beta > 1 Clover Health moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Clover Health Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Clover Health's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Clover Health growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.24

At this time, Clover Health's Price Earnings To Growth Ratio is fairly stable compared to the past year.

Clover Health March 25, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Clover Health help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Clover Health Investments. We use our internally-developed statistical techniques to arrive at the intrinsic value of Clover Health Investments based on widely used predictive technical indicators. In general, we focus on analyzing Clover Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Clover Health's daily price indicators and compare them against related drivers.

Additional Tools for Clover Stock Analysis

When running Clover Health's price analysis, check to measure Clover Health's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Clover Health is operating at the current time. Most of Clover Health's value examination focuses on studying past and present price action to predict the probability of Clover Health's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Clover Health's price. Additionally, you may evaluate how the addition of Clover Health to your portfolios can decrease your overall portfolio volatility.