Stocks · Healthcare · Medical - Healthcare Plans
Clover Health Investments, Corp. CLOV
$4.38 +3.55% Close, Oct 2, 2026 · NASDAQ · Market cap $2.27B
Strong growthStrong trendInexpensive vs sector
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $2.48B, up 54.0% from a year earlier, accelerating from 48.7% a quarter earlier.
- The stock is in an uptrend: above its 200-day average for 110 trading days, with the 50-day average above the 200-day.
- Over the past year the stock returned +67.2%, ahead of the S&P 500 by 52.1 percentage points.
PromtFinance scores
Each score is a percentile within the Healthcare sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 15%
- Revenue growth, 3-year CAGRTop 30%
- Revenue growth accelerationTop 17%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 37%
- Gross marginBottom 14%
- Operating marginTop 43%
- Accruals (lower is better)Top 25%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 32%
- Free-cash-flow yieldTop 25%
- EBITDA / enterprise valueTop 40%
- Sales / enterprise valueTop 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 28%
- 6-month returnTop 4%
- 1-year return vs S&P 500Top 22%
- Distance from 52-week highTop 35%
- Trend checklist (0–4)Top 39%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 12%
- Consecutive EPS beatsBottom 49%
- Share of analysts rating BuyBottom 1%
- Upside to consensus price targetBottom 31%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 44%
- Maximum drawdown, 3 yearsTop 42%
- Beta vs S&P 500 (lower is better)Bottom 45%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 48.7% | 54.0% | ↑ |
| Gross margin | 23.9% | 18.6% | ↓ |
| Operating margin | -2.6% | -0.7% | ↑ |
| FCF margin | -3.0% | 3.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 54.0% | 48.7% | ↑ | Top 15% |
| Gross margin | 18.6% | 23.9% | ↓ | Bottom 14% |
| Operating margin | -0.7% | -2.6% | ↑ | Top 43% |
| Net margin | -0.7% | -2.7% | ↑ | — |
| Free-cash-flow margin | 3.0% | -3.0% | ↑ | — |
| Return on invested capital | -4.6% | — | Top 37% | |
| Revenue growth, 3-year CAGR | 20.6% | — | Top 30% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -13.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +0.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- Net cash
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.54%
- Shareholder yield
- 0.54%
- Share count change, 1 year
- +7.2%
- Share count change, 3-year CAGR
- +4.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -67.4%
- Average 2-day reaction, last 8
- -0.8%
- Positive 20 days after report
- 2 of 8
Analysts
- Consensus price target
- $5.50
- Target vs current price
- +25.6%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 11%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +29.4% | -3.0% | +2.8% | +0.7% | — |
| May 6, 2026 | +0.0% | +2.7% | +25.7% | +39.8% | +59.8% |
| Feb 26, 2026 | +51.0% | +2.9% | +3.3% | -12.9% | +72.2% |
| Nov 4, 2025 | -350.0% | -4.3% | -29.3% | -32.3% | -39.1% |
| Aug 5, 2025 | -116.7% | -1.0% | -14.2% | -6.6% | +30.6% |
| May 6, 2025 | +171.4% | +0.0% | +3.6% | -7.5% | -13.7% |
| Feb 27, 2025 | +42.9% | -4.2% | -11.3% | -13.7% | -24.1% |
| Nov 6, 2024 | -50.0% | +0.7% | -24.8% | -20.6% | +3.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $0.05 | $0.04 | +29.4% | $743.2M |
| May 6, 2026 | $0.07 | $0.07 | +0.0% | $749.2M |
| Feb 26, 2026 | -$0.05 | -$0.10 | +51.0% | $487.7M |
| Nov 4, 2025 | -$0.05 | $0.02 | -350.0% | $496.6M |
| Aug 5, 2025 | -$0.02 | -$0.01 | -116.7% | $477.6M |
| May 6, 2025 | $0.05 | -$0.07 | +171.4% | $462.3M |
| Feb 27, 2025 | -$0.04 | -$0.07 | +42.9% | $337.0M |
| Nov 6, 2024 | -$0.02 | -$0.01 | -50.0% | $331.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 78.2× | — | — | — |
| EV / Sales | 0.84× | — | — | Top 7% |
| Free-cash-flow yield | 3.27% | — | — | Top 25% |
| Earnings yield | -0.95% | — | — | Top 32% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 110
- 50-day average slope (20 days)
- -3.2%
- 200-day average slope (20 days)
- +6.4%
- Distance from 50-day average
- -0.2%
- Distance from 200-day average
- +31.5%
- RSI (14)
- 47.9
- Relative volume
- 0.93×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 58.8%
- Volatility vs own 5-year history
- 23th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.20
- Correlation with S&P 500
- 0.26
- Current drawdown from 1-year high
- -19.0%
- Maximum drawdown, 3 years
- -64.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 8, 2021 | Apr 17, 2024 | -97.2% | 719 days | Not yet recovered |
| Dec 28, 2020 | May 17, 2021 | -60.1% | 96 days | 15 days (Jun 8, 2021) |
| Sep 29, 2020 | Nov 12, 2020 | -24.3% | 32 days | 26 days (Dec 21, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.27B
- EPS, diluted (TTM)
- -$0.04
- Revenue (TTM)
- $2.48B
- 52-week range
- $1.58 – $5.59
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.47B | $1.10B | $1.26B | $1.37B | $1.92B |
| Gross profit | -$79.2M | $103.5M | $256.0M | $364.8M | $355.9M |
| Operating income | -$637.0M | -$286.7M | -$205.3M | -$45.7M | -$85.5M |
| Net income | -$587.8M | -$339.6M | -$213.4M | -$43.0M | -$85.5M |
| EPS (diluted) | -$1.25 | -$0.71 | -$0.45 | -$0.09 | -$0.17 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $331.0M | $337.0M | $462.3M | $477.6M | $496.6M | $487.7M | $749.2M | $743.2M |
| Net income | -$9.2M | -$22.1M | -$1.3M | -$10.6M | -$24.4M | -$49.3M | $27.3M | $28.0M |
| EPS (diluted) | -$0.02 | -$0.04 | -$0.00 | -$0.02 | -$0.05 | -$0.10 | $0.05 | $0.05 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$282.3M | -$203.9M | -$115.9M | $34.8M | -$66.9M |
| Capital expenditure | -$723,000 | -$4.5M | -$584,000 | -$1.6M | -$2.0M |
| Free cash flow | -$283.0M | -$208.4M | -$116.5M | $33.3M | -$69.0M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $289.8M | -$5.0M | -$5.1M | -$17.4M | -$53.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $201.3M
- Total assets
- $720.3M
- Total liabilities
- $344.1M
- Total debt
- $0
- Net debt
- -$198.8M
- Shareholders’ equity
- $376.3M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 23, 2021 | $0.10 | — |
Short interest
- Shares sold short
- 23,446,183
- Days to cover
- 5.18
- Change vs previous report
- -1.0%
FINRA short interest, settlement date Sep 15, 2026.