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Medicare Advantage health insurer using a proprietary software platform to guide physicians in managing senior patient care.
Medicare Advantage health insurer using a proprietary software platform to guide physicians in managing senior patient care.
Paid a fixed monthly amount per member by Medicare, adjusted for how sick each member is, and keeps what is left after paying members' medical claims, so profit depends on holding care costs below the payments. Its software is meant to help doctors catch conditions early.
Moat: narrow (data, process know-how). Proprietary care-guidance software aims to improve outcomes/cost versus traditional MA plans, though unproven at scale versus giants.
Headquarters: Franklin, Tennessee, United States · Founded: 2014 · Employees: 724
Size Clover Health Investments (CLOV) is a United States Financials company (Life/Health Insurance) with a market value of $2.56B, the 1640th largest of 3,117 United States companies the cockpit tracks. Shares closed at $4.82 on 6 Nov 2026.
Performance Over six months the shares gained 54.5%, against -0.7% for the median peer and -1.1% for the United States market (cap-weighted) — highest of 21 in its peer set.
Growth Revenue grew 54.0% over the last twelve months (peer median +17.3%); the operating margin is -0.7% (peer median 8.4%).
Valuation It trades at 6.32× book value against a peer median of 2.17× (3rd most expensive of 21).
Price implies The share price implies a return on equity of about 94.7%; Clover Health Investments delivers -5.1%, so the price asks more than the business earns today.
Short interest Short interest is 6.0% of the free float (15 Oct 2026).
Next results Next results expected around 4 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $2.48B | $1.92B | $1.37B | $1.26B | $3.49B |
| Revenue growth | — | +40% | +9% | -64% | — |
| Net income | -$18.4M | -$85.5M | -$43.0M | -$213M | -$340M |
| Free cash flow | $74.2M | -$69.0M | $33.3M | -$145M | -$291M |
| Capital expenditure | $2.83M | $2.04M | $1.56M | $584,000 | $4.47M |
| Total debt | $0 | $0 | $0 | $0 | $5.86M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Clover Health Investments CLOV | $2.56B | +54% | +54% | -5% | 6.32× | 94.7% |
| Humana HUM | $52.1B | +58% | +18% | 7% | 2.71× | 16.9% |
| UnitedHealth UNH | $353B | +4% | +3% | 16% | 3.60× | 19.1% |
| CVS Health CVS | $107B | -7% | +7% | 14% | 1.33× | 9.3% |
| Oscar Health OSCR | $8.38B | +44% | +43% | 34% | 4.61× | 70.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CLOV | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +5.2% | -0.3% | 7th highest of 21 |
| 6-month return | +54.5% | -0.7% | highest of 21 |
| Return on equity | -5.1% | 10.6% | lowest of 21 |
| Price / book | 6.32× | 2.17× | 3rd most expensive of 21 |
| ROE the price implies | 94.7% | 16.5% | most demanding of 21 |
| ROE delivered | -5.1% | 10.6% | lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Clover Health Investments CLOV | United States | $2.56B | +54% | +54% | -5% | 6.32× | 94.7% | -5.1% |
| Brighthouse Financial BHF | United States | $2.45B | -31% | +3% | 14% | 0.37× | 5.2% | 13.6% |
| Hanwha Life 088350.KS | South Korea | $2.16B | -20% | +18% | 8% | 0.22× | 3.8% | 7.7% |
| Privia Health PRVA | United States | $3.12B | +6% | +24% | 4% | 3.94× | 25.4% | 3.8% |
| COFCO Capital 002423.SZ | China | $3.15B | -11% | -31% | 6% | 0.85× | 6.2% | 5.6% |
| Star Health & Allied Insurance STARHEALTH.NS | India | $3.52B | +9% | +21% | 12% | 3.19× | 47.7% | 11.7% |
| Mirae Asset Life Insurance 085620.KS | South Korea | $1.78B | +17% | +22% | 5% | 1.05× | 5.6% | 5.2% |
| Nuernberger Beteiligungs NBG6.DE | Germany | $1.58B | +1% | -1% | 5% | 1.58× | 6.0% | 5.1% |
| Niva Bupa Health Insurance NIVABUPA.NS | India | $1.49B | -5% | +58% | 14% | 3.66× | 33.1% | 13.9% |
| Max Financial Services MFSL.NS | India | $4.68B | -25% | +18% | 3% | 7.71× | 78.7% | 3.3% |
| E-L Financial ELF.TO | Canada | $4.74B | +10% | +32% | 20% | 0.68× | 6.4% | 20.2% |
| Canara HSBC Life Insurance CANHLIFE.NS | India | $1.23B | -14% | +17% | 8% | 7.08× | 48.0% | 8.2% |
| Challenger CGF.AX | Australia | $5.59B | +36% | -25% | 13% | 2.01× | 15.8% | 13.3% |
| Yunfeng Financial 0376.HK | Hong Kong | $999M | -30% | +21% | 7% | 0.60× | 7.8% | 6.7% |
| ICICI Life Insurance ICICILIFE.NS | India | $6.77B | -22% | -8% | 13% | 4.67× | 65.0% | 12.6% |
| St. James's Place STJ.L | United Kingdom | $7.48B | -3% | +164% | 38% | 3.64× | 43.3% | 38.4% |
| Jackson Financial Incorporation JXN | United States | $8.70B | +17% | +34% | 9% | 1.10× | 12.5% | 9.5% |
| Voya Financial VOYA | United States | $8.91B | +21% | -3% | 14% | 2.34× | 17.2% | 14.3% |
| Primerica PRI | United States | $8.94B | +6% | +8% | 33% | 3.56× | 24.9% | 32.9% |
| Lifenet Insurance 7157.T | Japan | $710M | -28% | +12% | 8% | 1.18× | 7.0% | 7.9% |
| Medibank Private MPL.AX | Australia | $9.94B | +14% | +9% | 27% | 5.90× | 23.8% | 26.8% |