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Clover Health Investments, Corp. (CLOV) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Clover Health Investments, Corp.

CLOVMarket cap $2.44BPrice $4.6

Country🇺🇸United States

SectorHealthcare

IndustryHealthcare Services

Runs Medicare Advantage plans powered by its own AI-driven platform, Clover Assistant, which flags health risks doctors might miss. It's a tech company disguised as an insurer, betting software can fix America's costliest patients before they get sicker.

In Bastion Portfolios?

52W Return+70%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+17%9

Revenue Forecast

Rev CAGR (1y)+54%10

Rev CAGR (3y)+27%10

Rev CAGR (5y)+20%9

Earnings Forecast

EPS Growth Y+10%5

EPS Growth Y+2+22%8

EPS Growth Y+3+22%8

Quality

Margins

EBIT Margin-1%1

Net Income Margin-1%2

Free Cash Flow Margin3%3

Debt

Net Debt/EBITDAna–

Efficiency

ROE-5%2

ROA-3%2

Earnings Stability22

GEAR+WEAK26

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)312

P/E Ratio (Forward 3y)213

P/BV6.53

EV Multiples

EV/EBITDA Fwd262

EV/EBIT Fwd282

Yield

Free Cash Flow Yield3.0%5

Dividend Yieldna–

Momentum

Short term

1 month return+8%10

3 month return-8%4

YTD return+96%10

Mid term

Price vs 52wHigh82%6

1 year return+70%10

Long term

3 year return+322%10

5 year return-38%2

Risk Shield

Price Risk

Beta1.23

Volatility65%2

Free Cash Flow

Free Cash Flow Margin3%3

Free Cash Flow Yield3.0%5

Quality

ROCE-5%1

Earnings Stability22

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CLOVClover Health Investments

Revenue FY25$1.9B

GROWTH RATING↗

VERY STRONG95 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+17%9

Revenue, next 1Y+54%10

Revenue, next 3Y, CAGR+27%10

Revenue, next 5Y, CAGR+20%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E0%5

EPS growth, FY27E+22%8

EPS growth, FY28E+22%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 95% of companies worldwide.

Revenue grew 17%/yr over the last 3 years, ahead of 80% of companies worldwide.9/10

Revenue is set to grow 27%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 17%/yr over the last 3 years and is set to grow 27%/yr from here.

The runway holds up: revenue is set to grow 20%/yr over five years.9/10

WATCH

None flagged.

WEAKNESSES

The company is loss-making, so its revenue growth is not backed by profit yet.

BOTTOM LINE

Top-Line Rocket

A top-tier grower that's speeding up. The one thing to watch: the company is not profitable yet.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG70 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+8%10

3-month return-8%4

YTD return+96%10

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return+70%10

3-year return+322%10

5-year return-38%2

MOMENTUM ASSESSMENT

STRENGTHS

It's up 70% over the past year, but 18% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+8%) and so far this year (+96%).

WATCH

Average long-term results. Multi-year returns are middling (+322% over three years and -38% over five), roughly average for the market.

Returns sit at the market level over three months (-8%).

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on Clover Health Investments, Corp.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

CLOVClover Health Investments

Revenue FY25$1.9B

GROWTH RATING↗

VERY STRONG95 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+17%9

Revenue, next 1Y+54%10

Revenue, next 3Y, CAGR+27%10

Revenue, next 5Y, CAGR+20%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E0%5

EPS growth, FY27E+22%8

EPS growth, FY28E+22%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 95% of companies worldwide.

Revenue grew 17%/yr over the last 3 years, ahead of 80% of companies worldwide.9/10

Revenue is set to grow 27%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 17%/yr over the last 3 years and is set to grow 27%/yr from here.

The runway holds up: revenue is set to grow 20%/yr over five years.9/10

WATCH

None flagged.

WEAKNESSES

The company is loss-making, so its revenue growth is not backed by profit yet.

BOTTOM LINE

Top-Line Rocket

A top-tier grower that's speeding up. The one thing to watch: the company is not profitable yet.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG70 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+8%10

3-month return-8%4

YTD return+96%10

MID & LONG-TERM▾SCORE

% of 52-week high82%6

1-year return+70%10

3-year return+322%10

5-year return-38%2

MOMENTUM ASSESSMENT

STRENGTHS

It's up 70% over the past year, but 18% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+8%) and so far this year (+96%).

WATCH

Average long-term results. Multi-year returns are middling (+322% over three years and -38% over five), roughly average for the market.

Returns sit at the market level over three months (-8%).

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on Clover Health Investments, Corp.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community