# Clover Health Investments Corp. (CLOV) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Healthcare / Health Care Providers & Services. Price $4.25, market value $2.3 billion.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Clover Health Investments Corp. reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 0.9×**. Each dollar of revenue is priced at 0.9×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 6.0×**. The shares trade at 6.0× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 3.3%** (5-yr avg -20.1%). Free cash flow equals 3.3% of the market value, above its five-year average of -20.1%, so the shares are cheaper on cash than they have usually been.

## Profitability
- **Operating margin: -0.7%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: -4.4%**. The company reported a net loss over the last twelve months.
- **Return on equity: -27.7%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: -6.3%**. Return on all capital, debt included, is -6.3%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: -3.4%**. Each dollar of assets produces -3.4% of profit.

## Growth
- **Revenue growth (1 yr): 40.3%** (3-yr 20.6%/yr, 5-yr 23.4%/yr). Revenue grew 40.3% over the last year, against 23.4% a year compounded over five years: growth is accelerating.

## Financial health
- **Debt to equity: 0.00**. Debt is 0.00 times equity: a conservative balance sheet.
- **Net debt / EBITDA: 3.9×**. It would take 3.9 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Current ratio: 1.47** (quick 1.47). Current assets cover the next year's liabilities 1.47 times.
- **Altman Z-score: 9.89**. A Z-score of 9.89 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend: none**. Clover Health Investments Corp. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 58.2%** (YTD 81.1%, 3-mo 11.1%). The shares are up 58.2% over twelve months including dividends.
- **From 52-week high: -23.9%** (169.3% above the low). Trading 24% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 48**. An RSI of 48 is neutral.
- **Beta (1 yr): 1.16** (volatility 67%). Beta of 1.16 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CLOV · Page: https://foliofundamentals.com/stocks/clov

Not investment advice.