Clover Health Investments Corp (CLOV) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Clover Health Investments Corp stock (CLOV) is currently trading at $1.82. Clover Health Investments Corp PS ratio (Price-to-Sales) is 0.50. Analyst consensus price target for CLOV is $2.82. WallStSmart rates CLOV as Sell.
- CLOV PE ratio analysis and historical PE chart
- CLOV PS ratio (Price-to-Sales) history and trend
- CLOV intrinsic value — DCF, Graham Number, EPV models
- CLOV stock price prediction 2025 2026 2027 2028 2029 2030
- CLOV fair value vs current price
- CLOV insider transactions and insider buying
- Is CLOV undervalued or overvalued?
- Clover Health Investments Corp financial analysis — revenue, earnings, cash flow
- CLOV Piotroski F-Score and Altman Z-Score
- CLOV analyst price target and Smart Rating
Clover Health Investments Corp
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Smart Analysis
Clover Health Investments Corp (CLOV) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, revenue growth. Concerns around return on equity and operating margin. Significant fundamental concerns warrant caution or avoidance.
Clover Health Investments Corp (CLOV) Key Strengths (2)
Paying less than $1 for every $1 of annual revenue
Revenue surging 44.70% year-over-year
Supporting Valuation Data
Clover Health Investments Corp (CLOV) Areas to Watch (6)
Company is destroying shareholder value
Losing money on operations
Company is losing money with a negative profit margin
Premium pricing at 3.2x book value
Low institutional interest, mostly retail-driven
Small-cap company with higher risk but more growth potential
Supporting Valuation Data
Clover Health Investments Corp (CLOV) Detailed Analysis Report
Overall Assessment
This company scores 34/100 in our Smart Analysis, earning a F grade. Out of 8 metrics analyzed, 2 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 2.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Revenue Growth. Valuation metrics including Price/Sales (0.50) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 44.70%.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, Profit Margin. Some valuation metrics including Price/Book (3.15) suggest expensive pricing. Profitability pressure is visible in Return on Equity at -26.30%, Operating Margin at -10.10%, Profit Margin at -4.45%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -26.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 44.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CLOV Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CLOV's Price-to-Sales ratio of 0.50x trades at a deep discount to its historical average of 2.24x (29th percentile). The current valuation is 95% below its historical high of 11x set in Sep 2020, and 116% above its historical low of 0.23x in Apr 2024. Over the past 12 months, the PS ratio has compressed from ~1.1x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Clover Health Investments Corp (CLOV) · HEALTHCARE › HEALTHCARE PLANS
The Big Picture
Clover Health Investments Corp is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 1.9B with 45% growth year-over-year. The company is currently unprofitable, posting a -445.0% profit margin.
Key Findings
Revenue growing at 45% YoY, reaching 1.9B. This pace significantly outperforms most HEALTHCARE PLANS peers.
The company is unprofitable with a -445.0% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -69M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can Clover Health Investments Corp maintain 45%+ revenue growth, or will competition slow it down?
Volatility is elevated with a beta of 2.24, so expect amplified moves relative to the broader market.
Sector dynamics: monitor HEALTHCARE PLANS industry trends, competitive moves, and regulatory changes that could impact Clover Health Investments Corp.
Bottom Line
Clover Health Investments Corp is a high-conviction growth story with revenue accelerating at 45% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin -445.0% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Clover Health Investments Corp(CLOV)
NASDAQ
HEALTHCARE
HEALTHCARE PLANS
USA
Clover Health Investments, Corp. The company is headquartered in Franklin, Tennessee.