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Clover Health Investments Corp (CLOV) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Clover Health Investments Corp stock $4.09, price $4.93, that is 17.0% below the price, quality 49 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Healthcare US

CH Clover Health Investments Corp logo Thin data Nov 10, 2026

Clover Health Investments Corp

CLOV · US
Expensive, weak quality

Our calculation puts a fair price 17% below what the stock costs today.

Low debt
Generates free cash flow over the last twelve months
Revenue last quarter +56% vs. a year ago.
Quality 49/100
Expensive Growth (revenue 5y +23.4 %/yr in USD)
Mixed vs. peers (5/10)
Insiders sold $8.3M (6M)
Fair value $4.09 · Overvalued
Loss-making · -0.7% net margin (TTM)
Narrow moat 19/100 · thin data
Thin data
Estimate
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$10.80 $0.6217 Fair Value $4.09 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range $0.6217 – $10.80 · fair‑value band $3.07 – $5.12 · the $4.93 price screens above the $4.09 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

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.

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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.

Stock analysis

Clover Health Investments Corp (CLOV) currently trades at $4.93, while our estimate is $4.09, 17% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $3.07 (bear) to $5.12 (bull), the price of $4.93 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 49/100 (below-average quality), in the Healthcare sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Clover Health Investments Corp reported revenue of $1.9B in FY2025 versus $1.5B in FY2021, a compound +6.9%/yr. Reported net income was −$85.5M in FY2025.

Key figures

Market cap $2.7B Mid · P/S ratio 0.96 · EPS (TTM) $−0.0500 · Net margin −0.7% · Return on equity −5.1% · Return on assets (EBIT) −32.4% (5-year average) · Operating margin 3.8% · Revenue (TTM) $2.5B.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 19 out of 100 (low confidence).

What moves the price

The share trades about 9% below its 52-week high and 190% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Healthcare peers we cover trades at 8% fair-value upside, at −17%, CLOV screens richer than that median.

Fair Value

Bear $3.07 Fair Value $4.09 Bull $5.12
Price $4.93 · Downside -17.0%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 49/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 40
How much profit the company makes from its sales and capital
Quality Growth 48
Are margins and returns getting better?
Cashflow 9
Do the profits arrive as real cash?
Financial strength 83
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 2
How calm the share price moves, does not count
Price momentum 87
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 94
Distance to the 52-week high, does not count
New shares 33
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 8 officers or directors sold shares worth $8.3M and none bought.

  • SaleKaren SoaresChief Legal Officer6× since Jun 15, 2026: 107,694 shares, avg. $4.60$495,085Oct 20, 202610b5-1 plan
  • SaleJamie L. ReynosoCEO, Medicare Advantage17× since Dec 18, 2025: 104,304 shares, avg. $4.31$449,090Oct 19, 202610b5-1 plan
  • SaleConrad WaiCEO, Counterpart Health4× since May 28, 2026: 568,268 shares, avg. $4.43$2.5MOct 15, 202610b5-1 plan
  • SaleJoseph Clay ThorntonInterim CFO3× since Jul 15, 2026: 26,996 shares, avg. $4.49$121,140Oct 15, 202610b5-1 plan
  • SaleAndrew ToyChief Executive Officer, Director5× since Jul 1, 2026: 844,967 shares, avg. $4.73$4.0MOct 15, 202610b5-1 plan
  • SaleJoseph Frank OldakowskiVP OF FINANCE AND CONTROLLER3× since Jun 16, 2026: 35,272 shares, avg. $5.01$176,725Sep 16, 2026
  • SaleCarladenise Armbrister EdwardsDirector67,160 shares at $3.42$229,687May 18, 2026
  • SaleBrady Patrick PriestCEO of Clover Care Services2× since Mar 4, 2026: 273,039 shares, avg. $2.65$724,847May 13, 2026

Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 10, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+40.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.4%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.6%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−13.8% (2020) → −4.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

CLOV screens overvalued: fair value 17% below the price. Compare with UnitedHealth Group →

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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Healthcare Plans” was too small, so the broader sector is used.)Health Care · 2771 stocks

Beats the sector median on 5/9 measures
A mixed picture versus its sector peers.
Valuation
Quality Score 49 · Above median
Fair Value upside −17.0% · Above median
Profitability
Return on assets −15.8% · Below median
Net margin (12 months) −0.7% · Below median
Operating margin (12 months) 3.8% · Below median
Growth and dividend
Revenue growth (quarter YoY) 55.6% · Top 25%
Balance sheet
Debt / equity 0.07× · Below median

Valuation Multiplesvs Health Care median · lower = cheaper

P/B 8.71× · Priciest 25%
P/S (12 months) 1.09× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)11 · sector 10
FUTURE (revenue growth)100 · sector 30
PAST (return on equity)0 · sector 5
HEALTH (low debt)97 · sector 96
DIVIDEND (yield)0 · sector 32

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Healthcare Plans stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Oscar Health, Inc OSCR $33.47 $66.34 +98% vs CLOV
The Cigna Group CI $303.13 $495.96 +64% vs CLOV
UnitedHealth Group UNH $405.12 $531.88 +31% vs CLOV
Molina Healthcare, Inc MOH $206.35 $231.45 +12% vs CLOV
Elevance Health, Inc ELV $429.65 $465.08 +8% vs CLOV
Progyny, Inc PGNY $36.43 $38.32 +5% vs CLOV
Alignment Healthcare, Inc ALHC $7.67 $7.37 −4% vs CLOV
Medi Assist Healthcare Services Limited MEDIASSIST ₹288.50 ₹226.12 −22% vs CLOV
CVS Health Corporation CVS $89.01 $42.44 −52% vs CLOV
Humana Inc HUM $438.06 $150.95 −66% vs CLOV

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Clover Health Investments Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Clover Health Investments Corp Fair Value". https://www.fairvalue-calculator.com/stock/CLOV

Frequently asked questions

Is Clover Health Investments Corp (CLOV) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is $4.09 versus a price of $4.93, about 17% lower (overvalued).
What is the fair value of CLOV?
Our estimate for Clover Health Investments Corp is $4.09 (as of Nov 10, 2026), built from audited fundamentals. The current price: $4.93.
What is the quality score of CLOV?
Clover Health Investments Corp has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Clover Health Investments Corp (CLOV)?
Our calculated price target is the estimate of $4.09 (as of Nov 10, 2026). Cautious scenario $3.07, optimistic scenario $5.12. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Clover Health Investments Corp stock forecast for 2026?
Our estimate puts fair value at $4.09, about 17% lower versus a price of $4.93 (overvalued). Cautious scenario $3.07, optimistic scenario $5.12. The calculation is refreshed regularly with new filings.
What is the revenue of Clover Health Investments Corp (CLOV)?
Clover Health Investments Corp reported trailing-twelve-month revenue of about $2.5B (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of Clover Health Investments Corp (CLOV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Clover Health Investments Corp it is $4.09 per share (as of Nov 10, 2026), against a price of $4.93.
Is Clover Health Investments Corp stock overvalued or undervalued in 2026?
As of Nov 10, 2026, CLOV trades above its calculated fair value: price $4.93, fair value $4.09, a gap of about −17% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CLOV?
No. The price is what the market pays today ($4.93); the fair value is what the company's own numbers justify ($4.09). For Clover Health Investments Corp the two are $0.8400 per share apart. That gap is exactly why we show both numbers side by side.
How much is Clover Health Investments Corp worth?
The market values Clover Health Investments Corp at about $2.7B (market capitalisation, as of Nov 10, 2026). Per share that is $4.93; our models calculate a fair value of $4.09 per share.
What do the bullish and bearish scenarios say about CLOV?
Our models span a range for Clover Health Investments Corp: cautious scenario $3.07, base $4.09, optimistic $5.12 per share (as of Nov 10, 2026, price $4.93). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Clover Health Investments Corp (CLOV)?
Balance-sheet figures for Clover Health Investments Corp (as of Nov 10, 2026): return on equity −5.1%, debt of 0.07 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is CLOV from its 52-week high?
Clover Health Investments Corp trades at $4.93, about 9% below its 52-week high of $5.41 and 190% above the low of $1.70 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $4.09 is for.
Which stocks are comparable to Clover Health Investments Corp?
From the same area (Healthcare) we also value UnitedHealth Group, CVS Health Corporation, Elevance Health, Inc, The Cigna Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Clover Health Investments Corp stock attractive at the current price?
The data as of Nov 10, 2026: price $4.93, calculated fair value $4.09 (−17%), Quality Score 49/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Clover Health Investments Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Clover Health Investments Corp (CLOV)?
The closing price on Nov 10, 2026 was $4.93. Our estimate is $4.09, about 17% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Clover Health Investments Corp right now?
Weak quality (49/100) and above fair value at the same time, the margin of safety is missing on both counts. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Clover Health Investments Corp

How large is the market capitalisation of Clover Health Investments Corp (CLOV)?
The market capitalisation of Clover Health Investments Corp is $2.7B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Clover Health Investments Corp (CLOV)?
The price-to-sales ratio of Clover Health Investments Corp is 0.96 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Clover Health Investments Corp (CLOV)?
Earnings per share at Clover Health Investments Corp are $−0.0500. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Clover Health Investments Corp (CLOV)?
The net margin of Clover Health Investments Corp is −0.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Clover Health Investments Corp (CLOV)?
The return on equity (ROE) of Clover Health Investments Corp is −5.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Clover Health Investments Corp (CLOV)?
On an EBIT basis the return on assets of Clover Health Investments Corp is −32.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Clover Health Investments Corp (CLOV)?
The operating margin of Clover Health Investments Corp is 3.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Clover Health Investments Corp (CLOV)?
Revenue at Clover Health Investments Corp is growing +55.6% versus a year earlier (3y avg +20.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Clover Health Investments Corp (CLOV) generate?
The free cash flow of Clover Health Investments Corp is −$69.0M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Clover Health Investments Corp (CLOV) hold?
Clover Health Investments Corp holds more cash than debt, $78.3M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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