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Clover Health Investments, Corp. provides medicare advantage plans in the United States. The company offers preferred provider organization and health maintenance organization plans to medicare-eligible individuals. It also operates Clover Assistant, a software platform for physicians to detect, identify, and manage chronic diseases. The company was founded in 2014 and is based in Wilmington, Delaware.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Clover Health is a Medicare Advantage insurer that integrates clinical data and care-management tools to coordinate care for older adults. Long-term growth may come from rising Medicare Advantage enrollment, scaling its analytics-driven platform and deeper provider partnerships that could support margin improvement.
Principal risks are CMS oversight and legal exposure from past public allegations, persistent unprofitability and cash needs that may require financing, and competition from large insurers that could constrain membership and pricing.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | -85.55M | -46.27M | -210.15M | -338.84M | -587.76M |
| Net income | -85.55M | -43.01M | -213.36M | -305.40M | -604.67M |
| Selling general administrative | 176.32M | 408.93M | 440.25M | 486.64M | 445.75M |
| Selling and marketing expenses | - | - | 258.30M | - | - |
| Gross profit | 355.88M | 364.80M | 255.95M | 22.73M | -79.18M |
| Reconciled depreciation | 1.69M | 1.33M | 0.99M | 1.19M | 1.25M |
| Ebit | -85.55M | -46.27M | -210.14M | -370.92M | -636.99M |
| Ebitda | -83.86M | -44.94M | -207.63M | -369.74M | -635.75M |
| Depreciation and amortization | 1.69M | 1.33M | 2.51M | 1.19M | 1.25M |
| Operating income | -85.53M | -45.75M | -205.33M | -370.92M | -636.99M |
| Other operating expenses | 2009.84M | 1416.88M | 1465.87M | 3847.61M | 2108.99M |
| Interest expense | 0.00M | 0.00M | 0.01M | 1.36M | 16.91M |
| Net interest income | 0.00M | 0.00M | -0.15M | -1.36M | -16.91M |
| Income tax expense | - | - | -208.54M | -33.44M | 16.91M |
| Total revenue | 1924.31M | 1371.13M | 1260.54M | 3476.69M | 1472.00M |
| Total operating expenses | 441.43M | 410.55M | 461.28M | 393.66M | 557.81M |
| Cost of revenue | 1568.41M | 1006.33M | 1004.59M | 3453.95M | 1551.18M |
| Total other income expense net | -0.02M | -0.52M | -4.82M | 32.08M | 49.24M |
| Net income from continuing ops | -85.55M | -46.27M | -226.39M | -338.84M | -587.76M |
| Net income applicable to common shares | - | - | - | -338.84M | -587.76M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 541.01M | 580.74M | 570.67M | 808.62M | 950.80M |
| Intangible assets | 2.99M | 2.99M | 2.99M | - | - |
| Other current assets | 53.77M | 28.79M | 1.40M | 24.43M | 52.95M |
| Total liab | 232.31M | 239.60M | 284.28M | 460.88M | 411.49M |
| Total stockholder equity | 308.70M | 341.14M | 286.39M | 347.74M | 539.32M |
| Other current liab | 55.57M | 178.95M | 80.57M | 406.38M | 175.57M |
| Common stock | 0.05M | 0.05M | 0.05M | 0.05M | 0.05M |
| Capital stock | 0.05M | 0.05M | 0.05M | 0.05M | 0.05M |
| Retained earnings | -2288.35M | -2202.80M | -2159.79M | -1955.58M | -1616.74M |
| Other liab | - | - | - | 16.19M | 14.10M |
| Good will | - | - | 0.00M | - | - |
| Other assets | - | - | - | 15.73M | 950.80M |
| Cash | 78.30M | 194.54M | 122.86M | 103.79M | 299.97M |
| Total current liabilities | 208.82M | 213.52M | 261.12M | 440.66M | 372.62M |
| Current deferred revenue | - | - | 141.69M | - | 165.87M |
| Net debt | -78.30M | -194.54M | -118.20M | -97.93M | -272.14M |
| Short term debt | - | - | 1.67M | 1.83M | 3.06M |
| Short long term debt total | - | - | 4.66M | 5.86M | 27.83M |
| Other stockholder equity | 2596.48M | 2545.48M | 2132.31M | 1917.58M | 1541.91M |
| Property plant equipment | - | - | - | 9.78M | 7.65M |
| Total current assets | 307.86M | 343.12M | 427.97M | 625.00M | 752.55M |
| Long term investments | 199.66M | 216.06M | 121.00M | 138.11M | 175.94M |
| Net tangible assets | - | - | - | 327.74M | 404.15M |
| Short term investments | 17.05M | 27.00M | 119.82M | 230.97M | 315.29M |
| Net receivables | 158.74M | 92.79M | 113.83M | 147.16M | 62.32M |
| Long term debt | - | - | - | - | 19.94M |
| Inventory | - | - | 70.05M | -101.88M | -153.92M |
| Accounts payable | 153.25M | 34.56M | 37.18M | 32.45M | 28.13M |
| Accumulated other comprehensive income | 0.53M | -1.58M | -2.37M | -9.37M | -1.93M |
| Non currrent assets other | 36.69M | 27.60M | 10.25M | 15.73M | 10.43M |
| Non current assets total | 233.16M | 237.62M | 142.70M | 183.62M | 198.26M |
| Capital lease obligations | - | - | 4.66M | 5.86M | 7.89M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 6.12M | 0.56M | 69.01M | 95.13M | -434.72M |
| Change to liabilities | - | - | - | 7.63M | 5.31M |
| Total cashflows from investing activities | 4.08M | 0.56M | 140.01M | 95.13M | -435.45M |
| Net borrowings | - | - | 0.00M | - | -30.93M |
| Total cash from financing activities | -53.38M | -17.36M | -33.86M | -4.96M | 925.39M |
| Change to operating activities | - | - | - | 98.71M | 196.76M |
| Net income | -85.55M | -43.01M | -213.36M | -338.84M | -587.76M |
| Change in cash | -116.24M | 18.05M | -9.72M | -113.75M | 207.62M |
| Begin period cash flow | 194.54M | 176.49M | 186.21M | 299.97M | 92.35M |
| End period cash flow | 78.30M | 194.54M | 176.49M | 186.21M | 299.97M |
| Total cash from operating activities | -66.93M | 34.84M | -115.87M | -203.93M | -282.33M |
| Issuance of capital stock | 1.81M | 0.90M | 1.25M | 1.40M | 289.92M |
| Depreciation | 1.69M | 1.33M | 2.51M | 1.19M | 1.25M |
| Dividends paid | - | - | - | - | 0.30M |
| Change to inventory | - | - | -4.75M | - | - |
| Change to account receivables | - | -6.55M | 4.75M | -8.03M | -9.39M |
| Sale purchase of stock | -55.20M | -18.26M | -6.22M | -6.36M | -0.15M |
| Other cashflows from financing activities | -53.38M | -17.36M | -28.79M | 95.13M | 666.85M |
| Change to netincome | - | - | - | 35.39M | 97.83M |
| Capital expenditures | 2.04M | 1.56M | 0.58M | 4.47M | 0.72M |
| Change in working capital | -84.20M | 12.86M | -55.43M | 98.31M | 192.67M |
| Stock based compensation | 103.66M | 114.33M | 140.93M | 164.31M | 163.72M |
| Other non cash items | -2.53M | -50.66M | 9.48M | -128.89M | 13.88M |
| Free cash flow | -68.98M | 33.29M | -116.45M | -208.39M | -283.05M |
Sector: Healthcare Industry: Healthcare Plans
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| CLOV Clover Health Investments Corp |
-0.01 0.30% |
4.96 | - | 37.74 | 1.00 | 7.19 | 0.96 | -0.65 |
| UNH UnitedHealth Group Incorporated |
1.09 0.27% |
404.04 | 22.57 | 18.38 | 1.33 | 5.65 | 1.38 | 13.97 |
| CVS CVS Health Corp |
-0.27 0.30% |
89.25 | 55.65 | 10.80 | 0.25 | 1.32 | 0.42 | 17.09 |
| ELV Elevance Health Inc |
1.94 0.45% |
431.42 | 18.47 | 14.58 | 0.45 | 2.05 | 0.56 | - |
| CI The Cigna Group |
-3.78 1.25% |
297.67 | 11.94 | 8.68 | 0.27 | 1.80 | 0.36 | 7.93 |
Clover Health Investments, Corp. provides medicare advantage plans in the United States. The company offers preferred provider organization and health maintenance organization plans to medicare-eligible individuals. It also operates Clover Assistant, a software platform for physicians to detect, identify, and manage chronic diseases. The company was founded in 2014 and is based in Wilmington, Delaware.
1209 Orange Street, Wilmington, DE, United States, 19801
201 432 2133
724
| Name | Title | Year Born |
|---|---|---|
| Mr. Vivek Garipalli | Co-Founder, CEO & Chairman of Directors | 1979 |
| Mr. Andrew Toy | Co-Founder, Pres, & Director | 1979 |
| Ms. Jamie L. Reynoso | Chief Operating Officer | 1970 |
| Mr. Prabhdeep Singh | Chief Growth Officer | 1985 |
| Mr. Scott J. Leffler | Chief Financial Officer | 1975 |
| Mr. Conrad Wai | Chief Technology Officer | NA |
| Mr. Derrick L. Nueman | Head of Investor Relations & Corp. strategy | NA |
| Ms. Wendy Richey | Chief Compliance Officer | NA |
| Mr. Joseph Richards Martin | Gen. Counsel & Corp. Sec. | 1977 |
| Ms. Rachel Fish | Chief People Officer | NA |
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