Clover Health Investments, Corp. (CLOV)
Clover Health Investments, Corp. operates as a Medicare Advantage insurer, leveraging its Clover Assistant platform to provide health plans for Medicare-eligible consumers. The company also focuses on non-insurance businesses.
Company Overview
Clover Health is revolutionizing Medicare Advantage with its Clover Assistant platform, offering data-driven, personalized healthcare plans. Targeting improved patient outcomes and reduced costs, Clover Health presents a compelling investment in the evolving healthcare landscape, despite current profitability challenges and a volatile market.
Investment Thesis
Clover Health presents a compelling, albeit high-risk, investment opportunity within the Medicare Advantage market. The company's Clover Assistant platform offers a unique competitive advantage by leveraging data analytics to improve patient outcomes and reduce costs. While currently unprofitable with a profit margin of -3.3% and a P/E ratio of -18.73, the potential for significant growth exists as Clover Health expands its membership base and optimizes its operational efficiency. Key value drivers include the continued adoption of the Clover Assistant by physicians, expansion into new geographic markets, and the development of additional non-insurance revenue streams. The company's focus on underserved populations also aligns with broader healthcare trends and government initiatives. Investors should monitor key metrics such as membership growth, medical cost ratios, and the effectiveness of the Clover Assistant in improving patient outcomes. The company's high beta of 2.15 indicates significant volatility, making it suitable for investors with a higher risk tolerance.
Key Highlights
- Market Cap of $1.10B reflects investor valuation of Clover Health's growth potential in the Medicare Advantage market.
- Gross Margin of 21.2% indicates the profitability of Clover Health's core insurance operations.
- Negative Profit Margin of -3.3% highlights the company's current unprofitability, requiring close monitoring of cost management and revenue growth.
- Clover Assistant platform differentiates Clover Health by providing data-driven insights to physicians, potentially leading to improved patient outcomes and reduced costs.
- Focus on non-insurance businesses provides diversification and potential for new revenue streams.
Competitors
Strengths
- Innovative Clover Assistant platform for data-driven care.
- Focus on underserved populations and health equity.
- Potential for improved patient outcomes and cost management.
- Strong brand reputation for innovation.
Weaknesses
- Current unprofitability and negative profit margin.
- High beta indicating significant stock volatility.
- Relatively small market share compared to larger insurers.
- Dependence on regulatory changes in the Medicare Advantage market.
Catalysts
- Ongoing: Continued expansion of Clover Assistant platform to new markets.
- Upcoming: Potential partnerships with healthcare providers and ACOs in 2026.
- Ongoing: Development and launch of new non-insurance healthcare services.
- Ongoing: Positive clinical trial results demonstrating improved patient outcomes.
Risks
- Ongoing: Intense competition from larger, more established Medicare Advantage insurers.
- Potential: Regulatory changes impacting reimbursement rates and coverage policies.
- Potential: Data breaches and privacy concerns related to patient data.
- Ongoing: Economic downturn impacting healthcare spending and enrollment.
- Ongoing: Inability to achieve profitability and manage medical costs effectively.
Growth Opportunities
- Expansion into New Geographic Markets: Clover Health has the opportunity to expand its Medicare Advantage plans into new geographic markets, targeting regions with high concentrations of Medicare-eligible individuals and underserved populations. This expansion can be achieved through organic growth, partnerships with local healthcare providers, or acquisitions of smaller regional insurers. The Medicare Advantage market is estimated to reach $400 billion by 2027, providing ample opportunity for Clover Health to increase its market share.
- Increased Adoption of Clover Assistant: Driving increased adoption of the Clover Assistant platform among physicians is crucial for improving patient outcomes and reducing medical costs. This can be achieved through targeted marketing campaigns, incentives for physicians to use the platform, and ongoing training and support. The platform's ability to provide real-time, actionable insights at the point of care differentiates Clover Health from traditional Medicare Advantage insurers.
- Development of Non-Insurance Revenue Streams: Clover Health can leverage its technology and data analytics capabilities to develop new non-insurance revenue streams, such as providing data analytics services to other healthcare providers or developing new software applications for managing chronic conditions. These new revenue streams can diversify the company's revenue base and reduce its reliance on its core insurance business. The market for healthcare data analytics is estimated to reach $70 billion by 2028.
- Partnerships with Healthcare Providers: Forming strategic partnerships with healthcare providers, such as hospitals, physician groups, and accountable care organizations (ACOs), can help Clover Health improve its network coverage, enhance its care coordination capabilities, and reduce medical costs. These partnerships can also provide Clover Health with access to new patient populations and opportunities to expand its service offerings. Value-based care arrangements are increasingly common, incentivizing collaboration.
- Focus on Underserved Populations: Clover Health's focus on serving underserved populations, such as low-income individuals and those with chronic conditions, aligns with broader healthcare trends and government initiatives. This focus can help the company attract new members, improve its brand reputation, and qualify for government subsidies and incentives. Addressing health equity is a growing priority for policymakers and healthcare providers.
Opportunities
- Expansion into new geographic markets.
- Increased adoption of Clover Assistant by physicians.
- Development of non-insurance revenue streams.
- Partnerships with healthcare providers and ACOs.
Threats
- Intense competition from established Medicare Advantage insurers.
- Regulatory changes and reimbursement pressures.
- Potential for data breaches and privacy concerns.
- Economic downturn impacting healthcare spending.
Competitive Advantages
- Clover Assistant platform provides a technological advantage in data-driven care.
- Focus on underserved populations creates a niche market with growth potential.
- Data analytics capabilities enable improved patient outcomes and cost management.
- Brand reputation for innovation and commitment to health equity.
About
Clover Health Investments, Corp., founded in 2014 and headquartered in Franklin, Tennessee, operates as a Medicare Advantage insurer in the United States. The company distinguishes itself through its technology-driven approach to healthcare, primarily through its Clover Assistant platform. This software platform provides preferred provider organization (PPO) and health maintenance organization (HMO) health plans for Medicare-eligible consumers. Clover Assistant aggregates and analyzes patient data to provide physicians with real-time, actionable insights at the point of care, aiming to improve clinical decision-making and patient outcomes. Beyond its insurance offerings, Clover Health also focuses on non-insurance businesses, exploring opportunities to leverage its technology and data analytics capabilities in broader healthcare applications. The company's mission is to improve health equity and access to quality care for underserved populations. Clover Health's innovative approach and focus on technology differentiate it from traditional Medicare Advantage insurers, positioning it as a disruptor in the healthcare industry. Despite its relatively young age, Clover Health has rapidly expanded its geographic footprint and membership base, demonstrating the appeal of its value proposition to both patients and providers. The company's commitment to data-driven healthcare and its focus on improving patient outcomes are central to its long-term growth strategy.
What They Do
- Operates as a Medicare Advantage insurer in the United States.
- Provides preferred provider organization (PPO) and health maintenance organization (HMO) health plans.
- Offers health plans for Medicare-eligible consumers.
- Utilizes the Clover Assistant, a software platform for data-driven insights.
- Focuses on improving patient outcomes and reducing healthcare costs.
- Serves underserved populations with a focus on health equity.
- Explores non-insurance business opportunities.
Business Model
- Generates revenue from premiums paid by Medicare Advantage members.
- Manages medical costs through its Clover Assistant platform and care coordination programs.
- Seeks to improve patient outcomes and reduce hospital readmissions.
- Explores revenue opportunities in non-insurance healthcare services.
Industry Context
Clover Health operates within the rapidly growing Medicare Advantage market, which is projected to continue expanding as the population ages. The industry is characterized by increasing competition among insurers, a growing emphasis on value-based care, and the adoption of new technologies to improve efficiency and patient outcomes. Clover Health's focus on technology and data analytics aligns with these trends, positioning it as a potential disruptor in the market. Competitors include established players such as BGM, CERT, GPCR, GRDN, and LFST, as well as larger national insurers. The company's success will depend on its ability to differentiate itself through its technology platform and its ability to effectively manage medical costs.
Key Customers
- Medicare-eligible individuals seeking comprehensive health coverage.
- Physicians and healthcare providers who utilize the Clover Assistant platform.
- Healthcare organizations seeking data analytics and care coordination solutions.
- Underserved populations with limited access to quality healthcare.
Financials
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $497M | -$24M | $0.00 |
| Q2 2025 | $478M | -$11M | $0.00 |
| Q1 2025 | $462M | -$1M | $0.00 |
| Q4 2024 | $337M | -$22M | $0.00 |
Source: Company filings
Chart & Info
Price Chart
Clover Health Investments, Corp. (CLOV) stock price: $2.59 (+0.18, +7.47%)
Why Bull
- •Clover's focus on Medicare Advantage is gaining traction, with some analysts seeing potential for growth in underserved markets. Think of it like Tesla's early focus on the high-end EV market to establish a foothold.
- •Recent insider buying activity, though not always a guarantee, suggests that those with inside knowledge see long-term value. It's like executives loading up on stock before a major product launch.
- •The community is buzzing about Clover's technology platform, Clover Assistant, and its potential to improve patient outcomes and reduce costs. It's similar to the hype around Palantir's data analytics platform in its early days.
- •Positive community sentiment indicates a belief in Clover's long-term vision and management's ability to execute. This collective optimism can sometimes drive momentum, similar to the 'meme stock' rallies, but based on perceived fundamentals.
Why Bear
- •Competition in the Medicare Advantage space is fierce, with established players like UnitedHealth and Humana holding significant market share. It's a David vs. Goliath situation, similar to smaller airlines competing with legacy carriers.
- •Despite the positive sentiment, some investors are wary of Clover's profitability and cash flow. This is a concern echoed during the dot-com bubble when companies lacked viable business models.
- •Regulatory scrutiny in the healthcare sector is always a risk, and any adverse changes could negatively impact Clover's operations. Think of the pharmaceutical industry and the impact of drug pricing regulations.
- •Negative community sentiment highlights concerns about the company's past performance and ability to achieve its ambitious goals. This skepticism can create a headwind, similar to the negative sentiment surrounding some SPAC mergers after their initial hype faded.
Latest News
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1 Russell 2000 Stock to Keep an Eye On and 2 Facing Challenges
StockStory · Feb 20, 2026
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1 Russell 2000 Stock to Keep an Eye On and 2 Facing Challenges
Yahoo! Finance: CLOV News · Feb 20, 2026
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iRhythm Holdings, Inc. (IRTC) Q4 Earnings and Revenues Beat Estimates
Zacks · Feb 19, 2026
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iRhythm Holdings, Inc. (IRTC) Q4 Earnings and Revenues Beat Estimates
Yahoo! Finance: CLOV News · Feb 19, 2026
Technical Analysis
Rationale
AI-generated technical analysis for CLOV including trend direction, momentum, and pattern recognition.
What to Watch
Key support and resistance levels, volume signals, and upcoming events.
Risk Management
Position sizing, stop-loss levels, and risk-reward assessment.
Community
Discussion
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Sentiment
Community sentiment and discussion activity for CLOV.
Make a Prediction
Set your price target for Clover Health Investments, Corp. (CLOV), choose a timeframe, and track your prediction accuracy.
Current price: $2.59
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CLOV.
Price Targets
Wall Street price target analysis for CLOV.
Insider Flow (30d)
MoonshotScore
Score Factors
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Revenue Growth 2/100
Revenue declined -32.6% YoY, signaling shrinking demand or market headwinds.
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Gross Margin 6/100
Gross margin of 21.2% is acceptable but leaves limited room for R&D and marketing investment.
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Operating Leverage 4/100
Limited operating leverage due to slower revenue growth, keeping profit scaling constrained.
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Cash Runway 5/100
Cash position data is currently unavailable for this company.
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R&D Intensity 5/100
R&D spending data is currently unavailable for this company.
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Insider Activity 6/100
No significant insider buying or selling recently, which is neutral for the stock outlook.
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Short Interest 5/100
Float and volume data unavailable for liquidity analysis.
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Price Momentum 0/100
No bullish technical signals detected. The stock lacks upward price momentum currently.
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News Sentiment 5/100
No sentiment data available
What does this score mean?
The MoonshotScore rates CLOV's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Competitors & Peers
Latest News
1 Russell 2000 Stock to Keep an Eye On and 2 Facing Challenges
1 Russell 2000 Stock to Keep an Eye On and 2 Facing Challenges
iRhythm Holdings, Inc. (IRTC) Q4 Earnings and Revenues Beat Estimates
iRhythm Holdings, Inc. (IRTC) Q4 Earnings and Revenues Beat Estimates
Frequently Asked Questions
What does Clover Health Investments, Corp. do?
Clover Health operates as a Medicare Advantage insurer in the United States, offering PPO and HMO health plans to Medicare-eligible consumers. The company differentiates itself through its Clover Assistant platform, a software solution that provides physicians with real-time, actionable insights at the point of care. This platform aims to improve clinical decision-making, patient outcomes, and cost management. Clover Health also focuses on serving underserved populations and exploring non-insurance business opportunities, positioning itself as an innovative player in the evolving healthcare landscape.
Is CLOV stock a good buy?
CLOV stock presents a high-risk, high-reward investment opportunity. While the company is currently unprofitable with a negative profit margin, its Clover Assistant platform and focus on underserved populations offer significant growth potential. Investors should carefully consider the company's financial performance, competitive landscape, and regulatory environment before investing. Key metrics to monitor include membership growth, medical cost ratios, and the effectiveness of the Clover Assistant in improving patient outcomes. The stock's high beta indicates significant volatility, making it suitable for investors with a higher risk tolerance and a long-term investment horizon.
What are the main risks for CLOV?
Clover Health faces several key risks, including intense competition from larger, more established Medicare Advantage insurers, potential regulatory changes impacting reimbursement rates and coverage policies, and the risk of data breaches and privacy concerns related to patient data. Additionally, an economic downturn could impact healthcare spending and enrollment, and the company's ability to achieve profitability and manage medical costs effectively is crucial for its long-term success. Investors should carefully assess these risks before investing in CLOV stock.
Is CLOV a good stock to buy?
Whether CLOV is a good investment depends on your financial goals, risk tolerance, and investment horizon. Key factors to evaluate include the company's revenue growth trajectory, profit margins, debt-to-equity ratio, competitive moat, and valuation multiples (P/E, P/S, EV/EBITDA) relative to industry peers. Our AI-generated Investment Thesis and SWOT analysis on this page provide a data-driven starting point. Always do your own research and consider consulting a financial advisor before making investment decisions.
What is the CLOV MoonshotScore?
The MoonshotScore for CLOV is an AI-powered rating from 0 to 100 that evaluates a stock across four dimensions: growth potential (revenue and earnings trajectory), financial health (balance sheet strength, cash flow), market momentum (price trends, volume patterns, institutional flows), and risk factors (volatility, debt levels, sector headwinds). Scores above 70 indicate strong potential, 50-70 moderate, and below 50 suggests caution. The score is recalculated daily using the latest financial data and market signals.
How often is CLOV data updated?
CLOV stock prices are updated in real-time during U.S. market hours (9:30 AM - 4:00 PM ET, Monday through Friday). After-hours and pre-market prices are also tracked. Company fundamentals (earnings, revenue, balance sheet) are refreshed when new quarterly or annual reports are filed. Analyst ratings, price targets, and AI-generated insights are updated daily. Breaking news related to CLOV is aggregated continuously from premium financial news sources throughout the day.
What are the growth catalysts for CLOV?
Growth catalysts for Clover Health Investments, Corp. (CLOV) can include several categories: product catalysts (new launches, FDA approvals, patent grants), financial catalysts (earnings beats, margin expansion, share buybacks), strategic catalysts (acquisitions, partnerships, market expansion into new regions), and macro catalysts (favorable regulation, industry tailwinds, secular growth trends). Our AI analyzes Clover Health Investments, Corp.'s specific catalysts using earnings transcripts, SEC filings, and news sentiment to identify the most impactful near-term and long-term drivers.
Who are CLOV's main competitors?
Clover Health Investments, Corp. (CLOV) competes with companies in its industry that target similar customers, markets, or product categories. Competitor analysis involves comparing key metrics: market share, revenue growth rates, profit margins, R&D spending, and valuation multiples. Understanding competitive positioning helps investors assess whether CLOV has a sustainable competitive advantage (moat) through brand strength, network effects, cost leadership, or switching costs. Our Competitors section provides a side-by-side comparison with relevant peers.
What do analysts say about CLOV?
Wall Street analyst coverage for CLOV includes consensus ratings (buy, hold, or sell), 12-month price targets, and earnings estimates. Analyst opinions are aggregated from major investment banks and research firms. Key metrics to watch include the consensus price target (average, high, and low estimates), the number of analysts covering the stock, any recent rating changes (upgrades or downgrades), and how actual earnings compare to analyst estimates (beat or miss history). Our platform aggregates these from multiple data providers for a comprehensive view.
What is CLOV's market cap?
Market capitalization (market cap) for CLOV is calculated by multiplying the current share price by the total number of outstanding shares. It represents the market's total valuation of the company. Stocks are typically categorized as mega-cap ($200B+), large-cap ($10B-$200B), mid-cap ($2B-$10B), small-cap ($300M-$2B), or micro-cap (under $300M). Market cap influences index inclusion, institutional ownership eligibility, and risk profile. Our Key Statistics section shows CLOV's current market cap alongside enterprise value and other valuation metrics.
How has CLOV stock performed recently?
CLOV's recent stock performance can be evaluated across multiple timeframes: daily price changes, week-over-week momentum, monthly trends, and year-to-date returns. Important performance indicators include the stock's 52-week high and low, moving averages (50-day and 200-day SMA), relative strength index (RSI), and volume trends. Comparing CLOV's performance against its sector index and the S&P 500 provides context on whether it is outperforming or underperforming the broader market.
What are the risks of investing in CLOV?
Key risk categories for CLOV include: market risk (overall market downturns affecting stock prices), company-specific risk (management changes, product failures, competitive threats), financial risk (high debt levels, cash burn, dilution from stock issuance), regulatory risk (government policy changes, lawsuits, compliance issues), and macroeconomic risk (interest rate changes, inflation, currency fluctuations). Beta measures CLOV's volatility relative to the market - a beta above 1.0 means higher volatility than the S&P 500. Our AI-generated risk assessment identifies the most relevant risk factors for this specific stock.
Are insiders buying or selling CLOV?
Insider trading activity for CLOV tracks purchases and sales by company executives, directors, and major shareholders (10%+ owners) as reported in SEC Form 4 filings. Insider buying is generally considered a bullish signal because insiders have the deepest knowledge of company operations, while selling may have various motivations (diversification, tax planning, pre-planned 10b5-1 trading plans). Key metrics include the buy-to-sell ratio, total dollar value of insider transactions, and whether multiple insiders are trading in the same direction. Our Insider Flow tab shows recent transactions with dates and dollar amounts.
Is CLOV a good stock for beginners?
Clover Health Investments, Corp. (CLOV) can be suitable for beginner investors depending on several factors. Look at the MoonshotScore on this page for an overall AI-powered assessment of growth potential and risk. Beginners should also check the company's market cap (larger companies tend to be less volatile), gross margin (higher margins mean stronger business fundamentals), and cash position (healthy cash reduces bankruptcy risk). Always start with a small position size and never invest money you cannot afford to lose.
How risky is CLOV for first-time investors?
Every stock carries risk, including Clover Health Investments, Corp. (CLOV). First-time investors should review the Risk Factors section on this page for company-specific risks. Key risk indicators include price volatility (check the chart for daily swings), insider selling activity (see Insider Flow tab), and cash runway (see MoonshotScore breakdown). A diversified portfolio with an index fund like the S&P 500 as a core holding is generally recommended before adding individual stocks like CLOV.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Data provided for informational purposes only.
- Financial data is based on the most recent available information. The Medicare Advantage market is subject to regulatory changes, which could impact Clover Health's business model. Future performance is not guaranteed.