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CLOVClover Health Investments, Corp.
$5.00$2.6B
Overview & Verdict
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CLOV logoClover Health Investments, Corp.(CLOV)Earnings, Financials & Key Ratios

CLOV•NASDAQ
$5.00
Price updated Jul 7, 2026
SectorHealthcareIndustryHealth InsuranceSub-IndustryTech-Enabled Health Plans
AboutClover 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.Show more
  • Revenue$1.92B+40.3%
  • EBITDA-$84M-88.8%
  • Net Income-$86M-98.9%
  • EPS (Diluted)-0.17-93.6%
  • Gross Margin18.49%-30.5%
  • EBITDA Margin-4.36%-34.5%
  • Operating Margin-4.44%-33.2%
  • Net Margin-4.45%-41.7%
  • ROE-26.33%-92.1%

CLOV Price & Volume

Clover Health Investments, Corp. (CLOV) stock price & volume — 10-year historical chart

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Operational Pivot Drives Revenue Growth and Profitability

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Strained
Financial:Healthy
Cash Flow:Improving
Primary Risk:Regulatory reimbursement volatility

Key Thesis Takeaways

  • Clover Health has successfully transitioned toward a higher-margin insurance model, evidenced by a 61.0% year-over-year revenue increase in 2026Q1 and a shift to positive operating margins of 3.0%.
  • While the company has eliminated its debt burden to $0, investors should remain cautious regarding the sustainability of these gains given the persistent $2.3B accumulated deficit and the reliance on stock-based compensation that frequently exceeds $25M per quarter.
  • Future performance hinges on the firm's ability to maintain medical care ratios within a volatile CMS-regulated environment while scaling operations without further diluting shareholder equity.

Verdict Logic

while the company achieved a positive $107.9M in operating cash flow during 2026Q1, the reliance on significant stock-based compensation and the historical $2.3B accumulated deficit warrant a cautious approach to valuation.

CLOV Growth Metrics

Clover Health Investments, Corp. (CLOV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years23.39%
3 Years20.62%
TTM48.41%

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-126.74%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-100%

Return on Capital

10 Years-99.35%
5 Years-68.96%
3 Years-32.59%
Last Year-24.46%

CLOV Recent Earnings

Clover Health Investments, Corp. (CLOV) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
May 6, 2026
Metric
Actual
Est
EPS
$0.07+0.0%
$0.07
Rev
$749M+4.8%
$715M
Q1 2026
Feb 26, 2026
Metric
Actual
Est
EPS
$0.05+51.0%
$0.10
Rev
$488M+4.4%
$467M
Q4 2025
Nov 4, 2025
Metric
Actual
Est
EPS
$0.05-350.0%
$0.02
Rev
$497M+6.3%
$467M
Q3 2025
Aug 5, 2025
Metric
Actual
Est
EPS
$0.03+0.0%
$0.03
Rev
$478M+2.0%
$468M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 6, 2026
$0.07vs $0.07+0.0%
$749Mvs $715M+4.8%
Q1 2026Feb 26, 2026
$0.05vs $0.10+51.0%
$488Mvs $467M+4.4%
Q4 2025Nov 4, 2025
$0.05vs $0.02-350.0%
$497Mvs $467M+6.3%
Q3 2025Aug 5, 2025
$0.03vs $0.03+0.0%
$478Mvs $468M+2.0%
Based on last 12 quarters of dataView full earnings history →

Latest CLOV News

Recent stock market news and headlines for Clover Health Investments, Corp. (CLOV)

The Motley Fool·Jun 27, 2026
A Clover Health Director Sold Over 67,000 Company Shares. Here's a Closer Look at the Transaction.

Director Carladenise Edwards sold 67,160 shares for a transaction value of approximately ~$230,000 on May 18, 2026, at a weighted average price of around $3.42 per share. This sale represented 19% of her direct holdings at the time, reducing direct ownership from 352,592 to 285,432 shares.

Peers Comparison

Key metrics vs top competitors for Clover Health Investments, Corp. (CLOV)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CLOV logoCLOVClover Health Investments, Corp.Current
$5.00$2.59B-29.4140.34%-4.45%-26.33%—
HUM logoHUMHumana Inc.
$394.62$47.38B40.1010.06%0.82%6.17%—
CVS logoCVSCVS Health Corporation
$104.33$133.12B75.067.85%0.72%3.86%—
ELV logoELVElevance Health Inc.
$418.85$90.96B16.6712.62%2.62%11.92%—
CNC logoCNCCentene Corporation
$66.12$32.65B-4.8519.44%-3.25%-28.6%—
MOH logoMOHMolina Healthcare, Inc.
$232.90$12.13B26.1111.75%0.42%4.44%—

Compare CLOV vs Peers

Clover Health Investments, Corp. (CLOV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HUM

Most directly comparable listed peer for CLOV.

Scale Benchmark

vs UNH

Larger-name benchmark to compare CLOV against a more recognizable public peer.

Peer Set

Compare Top 5

vs HUM, CVS, ELV, CNC

CLOV SEC Filings & Documents

Clover Health Investments, Corp. (CLOV) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 6, 2026·SEC

Material company update

Apr 1, 2026·SEC

Material company update

Mar 6, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 3, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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CLOV Frequently Asked Questions

Clover Health Investments, Corp. (CLOV) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Clover Health Investments, Corp.'s revenue?

Clover Health Investments, Corp. (CLOV) reported $2.21B in revenue for fiscal year 2025. This represents a 685% increase from $281.0M in 2018.

How fast is Clover Health Investments, Corp. growing?

Clover Health Investments, Corp. (CLOV) grew revenue by 40.3% over the past year. This is strong growth.

Is CLOV profitable?

Clover Health Investments, Corp. (CLOV) reported a net loss of $56.9M for fiscal year 2025.

Dividend & Returns
What is CLOV's return on equity?

Clover Health Investments, Corp. (CLOV) has a return on equity (ROE) of -26.3%. Negative ROE indicates the company is unprofitable.

What is Clover Health Investments, Corp.'s free cash flow?

Clover Health Investments, Corp. (CLOV) generated $54.5M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in CLOV back in 2018?

Total return calculator · dividends reinvested · 8+ years of data

See returns →