Clover Health Investments, Corp. (CLOV) Financial Ratios
8 years of historical data (2018–2025) · Healthcare · Medical - Healthcare Plans
EV/EBITDA
N/A
—
5yr avg: N/A
P/FCF
N/A
—
5yr avg: 46.37
30Y Low46.4·High46.4
P/B Ratio
↑
8.38
↑+188% vs avg
5yr avg: 2.91
30Y Low1.2·High4.5
ROE
↑
-26.3%
↓+55% vs avg
5yr avg: -58.2%
30Y Low-109%·High-14%
Debt/EBITDA
N/A
—
5yr avg: N/A
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CLOV Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Clover Health Investments, Corp. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.6B | $1.2B | $1.5B | $459M | $443M | $1.8B | $6.8B | — | — |
| Enterprise Value | $2.5B | $1.1B | $1.3B | $347M | $345M | $1.5B | $6.8B | — | — |
| P/E Ratio → | -29.41 | — | — | — | — | — | — | — | — |
| P/S Ratio | 1.35 | 0.63 | 1.13 | 0.36 | 0.40 | 1.19 | 10.08 | — | — |
| P/B Ratio | 8.38 | 3.94 | 4.52 | 1.60 | 1.24 | 3.25 | — | — | — |
| P/FCF | — | — | 46.37 | — | — | — | — | — | — |
| P/OCF | — | — | 44.30 | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
CLOV EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.59 | 0.98 | 0.28 | 0.31 | 1.01 | 10.15 | — | — |
| EV / EBITDA | — | — | — | — | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — | — | — | — | — |
| EV / FCF | — | — | 40.52 | — | — | — | — | — | — |
CLOV Profitability
Margins and return-on-capital ratios measuring operating efficiency
Clover Health Investments, Corp. earns an operating margin of -4.4%. Operating margins have expanded from -16.3% to -4.4% over the past 3 years, signaling improving operational efficiency. A negative ROE of -26.3% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 18.5% | 18.5% | 26.6% | 20.3% | 9.4% | -5.4% | 12.3% | 2.7% | 100.0% |
| Operating Margin | -4.4% | -4.4% | -3.3% | -16.3% | -26.1% | -43.3% | -13.8% | -39.6% | -66.1% |
| Net Profit Margin | -4.4% | -4.4% | -3.1% | -16.9% | -31.0% | -39.9% | -20.3% | -78.7% | -71.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| ROE | -26.3% | -26.3% | -13.7% | -66.3% | -75.8% | -109.0% | — | — | — |
| ROA | -15.3% | -15.3% | -7.5% | -30.9% | -38.6% | -96.5% | -102.0% | -345.3% | -95.9% |
| ROIC | -34.0% | -34.0% | -21.4% | -71.0% | -81.7% | — | — | — | — |
| ROCE | -24.5% | -24.5% | -13.5% | -59.8% | -60.0% | -187.0% | -180.0% | -179.1% | -90.8% |
CLOV Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $78M exceeds total debt of $0, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | 0.02 | 0.02 | 0.05 | — | — | — |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — |
| Net Debt / Equity | — | -0.25 | -0.57 | -0.39 | -0.27 | -0.50 | — | — | — |
| Net Debt / EBITDA | — | — | — | — | — | — | — | — | — |
| Debt / FCF | — | — | -5.84 | — | — | — | — | — | — |
| Interest Coverage | — | — | — | -30020.14 | -185.78 | -33.76 | -1.39 | -8.31 | — |
Net cash position: cash ($78M) exceeds total debt ($0)
CLOV Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.47x means Clover Health Investments, Corp. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has declined from 1.64x to 1.47x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.47 | 1.47 | 1.61 | 1.64 | 1.45 | 2.02 | 1.16 | — | 12.51 |
| Quick Ratio | 1.47 | 1.47 | 1.61 | 1.64 | 1.45 | 2.02 | 1.16 | — | 12.51 |
| Cash Ratio | 0.46 | 0.46 | 1.04 | 0.90 | 0.78 | 1.65 | 0.59 | — | 12.51 |
| Asset Turnover | — | 3.56 | 2.36 | 2.21 | 1.36 | 1.55 | 2.52 | 4606.72 | 1.33 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — |
CLOV Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Clover Health Investments, Corp. returns 2.1% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | 2.2% | — | — | — | — | — | — |
| Buyback Yield | 2.1% | 4.5% | 1.2% | 1.4% | 1.4% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 2.1% | 4.5% | 1.2% | 1.4% | 1.4% | 0.0% | 0.0% | — | — |
| Shares Outstanding | — | $517M | $490M | $482M | $476M | $471M | $404M | $404M | $42M |
Peer Comparison
Compare CLOV with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CLOVYou | $3B | -29.4 | — | — | 18.5% | -4.4% | -26.3% | -34.0% | — |
 HUM | $43B | 36.7 | 22.9 | 115.5 | 14.5% | 1.1% | 7.0% | 4.1% | 5.7 |
 CVS | $125B | 70.7 | 14.0 | 16.1 | 13.8% | 2.6% | 2.3% | 5.0% | 6.2 |
 ELV | $84B | 15.5 | 11.2 | 26.6 | 25.6% | 4.1% | 13.3% | 9.1% | 3.4 |
 CNC | $30B | -4.5 | — | 7.0 | 12.2% | -3.9% | -28.7% | -21.6% | — |
 MOH | $10B | 21.9 | 10.1 | — | 9.0% | 1.7% | 11.0% | 17.4% | 4.0 |
 ALHC | $4B | -5908.1 | 93.4 | 39.5 | 12.4% | 0.4% | -0.5% | — | 7.5 |
 OSCR | $7B | -16.8 | — | 7.0 | 14.4% | -3.4% | -44.4% | — | — |
 BHVN | $1B | -2.0 | — | — | — | — | -310.8% | -242.1% | — |
 UNH | $364B | 30.3 | 17.9 | 22.6 | 18.5% | 4.2% | 11.8% | 9.2% | 3.4 |
 TDOC | $1B | -7.1 | 17.1 | 5.1 | 69.5% | -10.4% | -13.9% | -11.5% | 10.4 |
| Healthcare Median | — | 22.1 | 14.2 | 18.5 | 63.9% | -4.3% | -32.6% | -11.6% | 3.2 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 8 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
CLOV — Frequently Asked Questions
Quick answers to the most common questions about buying CLOV stock.
What is Clover Health Investments, Corp.'s P/E ratio?
Clover Health Investments, Corp.'s current P/E ratio is -29.4x. This places it at the 50th percentile of its historical range.
What is Clover Health Investments, Corp.'s ROE?
Clover Health Investments, Corp.'s return on equity (ROE) is -26.3%. The historical average is -58.2%.
Is CLOV stock overvalued?
Based on historical data, Clover Health Investments, Corp. is trading at a P/E of -29.4x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Clover Health Investments, Corp.'s profit margins?
Clover Health Investments, Corp. has 18.5% gross margin and -4.4% operating margin.