CLOV
HealthcareClover Health Investments, Corp. · Medical - Healthcare Plans · $2B
What is Clover Health Investments, Corp.?
Clover Health Investments is a Medicare Advantage insurer based in Franklin, Tennessee, using proprietary software to improve care delivery for Medicare-eligible members across the United States.
Clover Health offers Medicare Advantage health plans — both PPO and HMO — supported by its Clover Assistant platform, a data-driven tool designed to help physicians make better care decisions. The company also operates non-insurance business lines focused on healthcare services.
The company was incorporated in 2014 and is headquartered in Franklin, Tennessee.
- Medicare Advantage PPO and HMO plans
- Clover Assistant physician software platform
- Non-insurance healthcare services
Is CLOV a Good Stock to Buy?
UQS Score rates CLOV as Below Average overall.
Growth stands out as the strongest pillar in Clover's profile, reflecting expansion in its member base and revenue trajectory. Risk and Valuation both register as Neutral, meaning neither extreme danger nor a clear bargain is signaled at current levels.
Quality and Moat are both rated Weak, pointing to thin competitive advantages and underlying business fundamentals that trail sector peers.
Sign up to see the full pillar breakdown and detailed financial metrics behind CLOV's score. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CLOV pay dividends?
No — Clover Health Investments, Corp. does not currently pay a dividend.
Clover Health does not currently pay a dividend. As a growth-oriented Medicare Advantage insurer still scaling its operations, the company reinvests available resources into expanding its member base and developing its Clover Assistant platform rather than returning cash to shareholders.
When does CLOV report earnings?
Clover Health reports earnings on a quarterly cadence, consistent with US-listed equities.
Clover has shown revenue growth in recent periods, driven by membership expansion in its Medicare Advantage plans. However, profitability remains a work in progress, with the company continuing to invest heavily in its technology platform and care model.
For the most recent quarter's results, visit Clover Health's investor relations page directly.
CLOV Price History
-68.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Clover Health Investments, Corp.?
Based on Clover Health Investments, Corp.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Clover Health do?
Clover Health is a Medicare Advantage insurer that offers PPO and HMO health plans to Medicare-eligible consumers. Its Clover Assistant platform provides physicians with data insights to support better patient care decisions. The company also operates non-insurance healthcare service lines.
Does CLOV pay dividends?
No, Clover Health does not pay a dividend. The company is focused on scaling its Medicare Advantage business and technology platform, prioritizing reinvestment over shareholder distributions at this stage of its growth.
When does CLOV report earnings?
Clover Health follows a standard quarterly earnings schedule. For confirmed dates and the latest results, check the investor relations section of the company's official website.
Is CLOV a good stock to buy?
UQS Score rates CLOV as Below Average, with Weak marks on Quality and Moat. Growth is the standout pillar. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to Pro members.
Is CLOV overvalued?
CLOV's Valuation pillar is rated Neutral, suggesting the stock is neither clearly cheap nor obviously expensive relative to its fundamentals. Investors should weigh this alongside the Weak Quality and Moat ratings before drawing conclusions.
What is CLOV's market cap bracket?
Clover Health is classified as a small-cap stock. This places it in a segment of the market that can offer growth potential but typically carries higher volatility and liquidity risk compared to larger healthcare insurers.
Is CLOV a long-term quality investment?
From a quality standpoint, CLOV's UQS profile shows meaningful weaknesses — particularly in the Quality and Moat pillars. Long-term investors typically look for durable competitive advantages, which Clover has yet to establish at a level that scores well on those dimensions.
What sector does CLOV belong to?
Clover Health operates in the Healthcare sector, specifically within the Medicare Advantage insurance segment. It competes with both large managed-care organizations and newer tech-enabled insurers targeting the Medicare-eligible population.
Unlock Full CLOV Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the exact UQS pillar scores across Quality, Growth, Moat, Risk, and Valuation
- ✓Access detailed financial metrics and trend data
- ✓Compare CLOV side-by-side with Medicare Advantage peers
- ✓Get the complete analyst-style breakdown available to Pro members
Pro Analysis
CLOV — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 37.4 | 23.7 | 12.0 | 79.7 | 31.3 | 52.5 | 0.0 |
| May 21, 2026 | 37.4 | 23.7 | 12.0 | 79.7 | 31.3 | 52.3 | -0.1 |
| May 20, 2026 | 37.5 | 23.7 | 12.0 | 79.7 | 31.3 | 52.8 | -0.1 |
| May 19, 2026 | 37.6 | 23.7 | 12.0 | 79.7 | 31.3 | 53.3 | +0.1 |
| May 16, 2026 | 37.5 | 23.7 | 12.0 | 79.7 | 31.3 | 52.9 | 0.0 |
| May 15, 2026 | 37.5 | 23.7 | 12.0 | 79.7 | 31.3 | 52.8 | +0.3 |
| May 14, 2026 | 37.2 | 23.7 | 12.0 | 79.7 | 31.3 | 51.1 | -0.2 |
| May 13, 2026 | 37.4 | 23.7 | 12.0 | 79.7 | 31.3 | 52.5 | -0.1 |
| May 12, 2026 | 37.5 | 23.7 | 12.0 | 79.7 | 31.3 | 53.0 | -0.1 |
| May 11, 2026 | 37.6 | 23.7 | 12.0 | 79.7 | 31.3 | 53.4 | -1.5 |
CLOV — Pillar Breakdown
Quality
— 23.7/100 (25%)Clover Health Investments, Corp. currently shows below-average quality metrics, suggesting challenges with profitability.
How effectively capital is deployed to generate returns.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Asset productivity — how much gross profit each dollar of assets generates.
Free cash flow relative to market value.
Growth
— 79.7/100 (20%)Clover Health Investments, Corp. is growing rapidly with strong revenue and earnings expansion.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 31.3/100 (15%)Clover Health Investments, Corp. presents elevated risk with concerns around leverage or financial stability.
Debt levels relative to earnings capacity.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 52.5/100 (15%)Clover Health Investments, Corp. has a mixed valuation — some metrics suggest fair value while others appear stretched.
Inverse of forward P/E — higher yield means cheaper stock.
P/E relative to earnings growth — lower is more attractive.
Moat
— 12/100 (25%)Clover Health Investments, Corp. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CLOV.
Score Composition
Financial Data
More Stock Analysis
How is the CLOV UQS Score Calculated?
The UQS (Unified Quality Score) for Clover Health Investments, Corp. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Clover Health Investments, Corp.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Clover Health Investments, Corp. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.