CLOV

Company Overview — What Does CLOVER HEALTH INVESTMENTS, CORP. /DE Do?

Clover Health Investments, Corp. operates as a medicare advantage insurer in the United States. The company through its Clover Assistant, a software platform that provides preferred provider organization and health maintenance organization health plans for medicare-eligible consumers. It also focuses on non-insurance businesses. Clover Health Investments, Corp. was incorporated in 2014 and is based in Franklin, Tennessee. CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) is classified as a small-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Vivek Garipalli and employs approximately 680 people, headquartered in FRANKLIN, Delaware. With a market capitalization of $892M, CLOV is one of the notable companies in the Financials sector.

CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) Stock Rating — Reduce (April 2026)

As of April 2026, CLOVER HEALTH INVESTMENTS, CORP. /DE receives a Reduce rating with a composite score of 31.5/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.CLOV ranks #3,291 out of 4,446 stocks in our coverage universe. Within the Financials sector, CLOVER HEALTH INVESTMENTS, CORP. /DE ranks #758 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

CLOV Stock Price and 52-Week Range

CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) currently trades at $1.93. The stock gained $0.02 (1.0%) in the most recent trading session. The 52-week high for CLOV is $3.92, which means the stock is currently trading -50.8% from its annual peak. The 52-week low is $1.86, putting the stock 3.7% above its annual trough. Recent trading volume was 0 shares, suggesting relatively thin trading activity.

Is CLOV Overvalued or Undervalued? — Valuation Analysis

CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) carries a value factor score of 24/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 3.23x, versus the sector average of 1.22x. The price-to-sales ratio is 0.56x, compared to 0.90x for the average Financials stock.

At current multiples, CLOVER HEALTH INVESTMENTS, CORP. /DE trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

CLOVER HEALTH INVESTMENTS, CORP. /DE Profitability — ROE, Margins, and Quality Score

CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) earns a quality factor score of 36/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -14.7%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -8.4% versus the sector average of 1.2%.

On a margin basis, CLOVER HEALTH INVESTMENTS, CORP. /DE reports gross margins of 24.5%. The operating margin is -2.5% (sector: 21.8%). Net profit margin stands at -2.5%, versus 17.7% for the average Financials stock. Revenue growth is running at 39.4% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

CLOV Debt, Balance Sheet, and Financial Health

CLOVER HEALTH INVESTMENTS, CORP. /DE has a debt-to-equity ratio of 75.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.47x, suggesting adequate working capital coverage. Total debt on the balance sheet is $0. Cash and equivalents stand at $190M.

CLOV has a beta of 0.76, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for CLOVER HEALTH INVESTMENTS, CORP. /DE is 44/100, reflecting average volatility within the normal range for its sector.

CLOVER HEALTH INVESTMENTS, CORP. /DE Revenue and Earnings History — Quarterly Trend

In TTM 2026, CLOVER HEALTH INVESTMENTS, CORP. /DE reported revenue of $1.77B. Net income for the quarter was $-45M. Gross margin was 24.5%. Operating income came in at $-45M.

In FY 2025, CLOVER HEALTH INVESTMENTS, CORP. /DE reported revenue of $1.92B. Net income for the quarter was $-86M. Revenue grew 40.4% year-over-year compared to FY 2024. Operating income came in at $-86M.

In Q3 2025, CLOVER HEALTH INVESTMENTS, CORP. /DE reported revenue of $497M. Net income for the quarter was $-24M. Revenue grew 50.1% year-over-year compared to Q3 2024. Operating income came in at $-24M.

In Q2 2025, CLOVER HEALTH INVESTMENTS, CORP. /DE reported revenue of $478M. Net income for the quarter was $-11M. Revenue grew 34.1% year-over-year compared to Q2 2024. Operating income came in at $-11M.

Over the past 8 quarters, CLOVER HEALTH INVESTMENTS, CORP. /DE has demonstrated a growth trajectory, with revenue expanding from $356M to $1.77B. Investors analyzing CLOV stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

CLOV Dividend Yield and Income Analysis

CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) does not currently pay a dividend. This is common among smaller companies in the Insurance industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

CLOV Momentum and Technical Analysis Profile

CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) has a momentum factor score of 16/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 23/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 64/100 reflects moderate short selling activity.

CLOV vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) ranks #758 out of 891 stocks based on the Blank Capital composite score. This places CLOV in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing CLOV against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CLOV vs S&P 500 (SPY) comparison to assess how CLOVER HEALTH INVESTMENTS, CORP. /DE stacks up against the broader market across all factor dimensions.

CLOV Next Earnings Date

No upcoming earnings date has been announced for CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy CLOV? — Investment Thesis Summary

The quantitative profile for CLOVER HEALTH INVESTMENTS, CORP. /DE suggests caution. The quality score of 36/100 flags below-average profitability. The value score of 24/100 indicates premium valuation. Momentum is weak at 16/100, a headwind for near-term performance.

In summary, CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) earns a Reduce rating with a composite score of 31.5/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CLOV stock.

Related Resources for CLOV Investors

Explore more research and tools: CLOV vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare CLOV head-to-head with peers: CLOV vs WTM, CLOV vs OPY, CLOV vs ACT.