CLOV

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Clover Health Investments, Corp.

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Key Metrics

Previous Close: $4.22
52-Week Range: $1.58 – $5.59
Market Cap: $2.18B
P/E (TTM): —
EPS (TTM): -0.05
Dividend Yield: —

Advanced Metrics

Price/Book: 5.77
PEG Ratio: —
Return on Equity: -5.10%
Return on Assets: -1.77%
Gross Margin: 18.54%
Operating Margin: 3.77%
Profit Margin: -0.74%
Current Ratio: 1.50
Debt/Equity: —
Total Debt: $0.00
Free Cash Flow: $69.05M
Revenue Growth: 55.60%
Earnings Growth: —
Enterprise Value: $1.93B

CLOV Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.10B	$1.26B	$1.37B	$1.92B
Cost of Revenue	$993.07M	$1.00B	$1.01B	$1.57B
Gross Profit	$103.48M	$255.95M	$364.80M	$355.90M
Selling, General & Admin	$482.40M	$440.25M	$408.93M	$439.75M
Operating Expenses	$390.14M	$435.52M	$410.26M	$441.43M
Operating Income	-$286.66M	-$179.56M	-$45.46M	-$85.53M
EBITDA	-$252.03M	-$207.63M	-$44.94M	-$83.86M
Pretax Income	-$254.58M	-$210.15M	-$46.27M	-$85.55M
Net Income	-$339.57M	-$213.36M	-$43.01M	-$85.55M
Diluted EPS	-0.71	-0.44	-0.08	-0.17
Diluted Shares	476.24M	482.18M	490.02M	511.97M

CLOV Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$103.79M	$116.41M	$194.54M	$78.30M
Receivables	$167.54M	$86.24M	$92.79M	$158.74M
Current Assets	$625.00M	$427.97M	$343.12M	$307.86M
Total Assets	$808.62M	$570.67M	$580.74M	$541.01M
Current Liabilities	$431.51M	$261.12M	$213.52M	$208.82M
Total Debt	$5.86M	$4.66M	—	—
Total Liabilities	$451.73M	$284.28M	$239.60M	$232.31M
Retained Earnings	-$1.95B	-$2.16B	-$2.20B	-$2.29B
Shareholders' Equity	$356.89M	$286.39M	$341.14M	$308.70M
Working Capital	$193.49M	$166.85M	$129.61M	$99.03M

CLOV Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	-$203.93M	-$144.66M	$34.84M	-$66.93M
Capital Expenditure	-$4.47M	-$584.00K	-$1.56M	-$2.04M
Free Cash Flow	-$208.39M	-$145.25M	$33.29M	-$68.98M
Depreciation & Amortisation	$1.19M	$2.51M	$1.33M	$1.69M
Stock-Based Compensation	$164.31M	$140.93M	$114.33M	$103.66M
Investing Cash Flow	$95.13M	$140.01M	$565.00K	$4.08M
Financing Cash Flow	-$4.96M	-$5.07M	-$17.36M	-$53.38M
Share Repurchases	-$6.36M	-$6.22M	-$18.26M	-$55.20M
Net Change in Cash	-$113.75M	-$9.72M	$18.05M	-$116.24M

CLOV Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$462.33M	$477.62M	$496.65M	$487.71M	$749.19M
Cost of Revenue	$353.44M	$377.99M	$423.47M	$413.50M	$589.65M
Gross Profit	$108.89M	$99.63M	$73.18M	$74.21M	$159.54M
Selling, General & Admin	$109.70M	$109.79M	$97.15M	$123.11M	$131.69M
Operating Expenses	$110.16M	$110.19M	$97.55M	$123.53M	$132.21M
Operating Income	-$1.27M	-$10.56M	-$24.38M	-$49.32M	$27.33M
EBITDA	-$808.00K	-$10.16M	-$23.97M	-$48.92M	$27.85M
Pretax Income	-$1.27M	-$10.58M	-$24.38M	-$49.32M	$27.33M
Net Income	-$1.27M	-$10.58M	-$24.38M	-$49.32M	$27.33M
Diluted EPS	0.00	-0.02	-0.05	-0.10	0.05
Diluted Shares	497.06M	509.04M	512.74M	517.24M	532.50M

CLOV Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$155.44M	$188.65M	$190.06M	$78.30M	$173.26M
Receivables	$138.26M	$131.35M	$103.51M	$158.74M	$202.69M
Current Assets	$331.41M	$362.94M	$330.92M	$307.86M	$448.02M
Total Assets	$583.72M	$574.99M	$559.66M	$541.01M	$697.73M
Current Liabilities	$215.65M	$201.95M	$193.45M	$208.82M	$336.58M
Total Liabilities	$247.64M	$230.81M	$218.73M	$232.31M	$358.30M
Retained Earnings	-$2.20B	-$2.21B	-$2.24B	-$2.29B	-$2.26B
Shareholders' Equity	$336.07M	$344.18M	$340.93M	$308.70M	$339.43M
Working Capital	$115.76M	$160.99M	$137.47M	$99.03M	$111.44M

CLOV Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$16.29M	$5.41M	$12.10M	-$68.15M	$107.89M
Capital Expenditure	-$185.00K	-$569.00K	-$692.00K	-$597.00K	-$854.00K
Free Cash Flow	-$16.48M	$4.84M	$11.41M	-$68.75M	$107.04M
Depreciation & Amortisation	$466.00K	$394.00K	$406.00K	$420.00K	$515.00K
Stock-Based Compensation	$26.44M	$26.20M	$26.11M	$24.92M	$12.27M
Investing Cash Flow	$8.93M	$35.57M	-$5.42M	-$34.99M	-$5.07M
Financing Cash Flow	-$31.74M	-$7.76M	-$5.27M	-$8.61M	-$7.86M
Share Repurchases	-$31.96M	-$8.47M	-$5.58M	-$9.20M	-$7.89M
Net Change in Cash	-$39.10M	$33.21M	$1.41M	-$111.75M	$94.96M

Market Snapshot

About

Clover Health Investments, Corp. is a healthcare technology company operating a Medicare Advantage insurance plan integrated with proprietary software and data analytics. Headquartered in Franklin, Tennessee, the company uses its Clover Assistant platform to provide physicians with real-time clinical insights and care recommendations at the point of care. Clover serves Medicare-eligible seniors across multiple states, aiming to improve health outcomes while reducing costs through technology-enabled preventive care and care management. The company combines insurance operations with software-as-a-service capabilities to differentiate its value proposition.