Value Sense
CLOV
Clover Health Investments, Corp. (CLOV)
Last Price$3.4(0.9%)
Market Cap$1,625.6M
LTM FCF to Net Income
(77.4%)
5Y avg
81.1%
Medical - Healthcare Plans industry median
107.1%
Stock quality & Intrinsic value
5/10
(0.5%) overvalued
CLOV
is (46.9%) overvalued
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Clover Health Investments, Corp. FCF to Net Income

Annual
Quarterly
LTM
Industry median
Company stand-alone
CLOV
Healthcare
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Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24
FCF to Net Income
76.6%
44.0%
43.3%
48.2%
61.5%
54.6%
(77.4%)
CLOV
Key metrics and insights to make informed decisions.
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Clover Health Investments, Corp. (CLOV) FCF to Net Income comparison analysis

General

LTM FCF to Net Income

OTHER METRICS

Company name

Revenue growth

EPS growth

Net Income margin

Clover Health Investments, Corp. logo
Clover Health Investments, Corp.CLOV
(77.4%)
8.8%
(82.2%)
(3.1%)
Median Peer Set
140.8%
9.8%
(7.6%)
1.1%
Oscar Health, Inc. logo
Oscar Health, Inc.OSCR
3,638.1%
56.5%
N/A
0.3%
Cigna Corporation logo
Cigna CorporationCI
246.6%
26.6%
(93.1%)
0.1%
Bright Health Group, Inc. logo
Bright Health Group, Inc.BHG
224.0%
(51.9%)
86.2%
(103.4%)
Humana Inc. logo
Humana Inc.HUM
196.5%
10.7%
(50.2%)
1.0%
UnitedHealth Group Incorporated logo
UnitedHealth Group IncorporatedUNH
143.7%
8.9%
(35.7%)
3.6%
CVS Health Corporation logo
CVS Health CorporationCVS
137.9%
4.2%
(43.6%)
1.2%
Elevance Health Inc. logo
Elevance Health Inc.ELV
76.3%
3.2%
0.5%
3.4%
Molina Healthcare, Inc. logo
Molina Healthcare, Inc.MOH
46.1%
19.3%
9.2%
2.9%
Alignment Healthcare, Inc. logo
Alignment Healthcare, Inc.ALHC
5.2%
48.3%
(15.2%)
(4.7%)
Centene Corporation logo
Centene CorporationCNC
(14.9%)
5.9%
27.4%
2.0%

CLOV key stats

USD
Millions
Billions
Annual
Quarterly
Trailing
Key stats
Income statement
Balance sheet
Cash Flow Statement
Valuation
Ratios
Per share
Per employee
Dividends & Yields
Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24
Revenue
% growth
281.0
0.0%
462.3
64.5%
672.9
45.6%
1,472.0
118.8%
1,096.6
(25.5%)
1,260.5
15.0%
1,371.1
8.8%
Cost of Goods Sold (COGS)0.0449.7590.11,551.2993.11,004.61,006.3
Gross Profit
% margin
281.0
100.0%
12.6
2.7%
82.8
12.3%
(79.2)
(5.4%)
103.5
9.4%
256.0
20.3%
364.8
26.6%
Operating Expenses476.0195.8175.5557.8390.1461.3410.6
Research & Development Expenses (R&D)0.00.00.00.00.00.00.0
Selling, General & Administrative Expenses (SG&A)187.3187.3192.1445.7482.4440.2408.9
Operating Income
% margin
(185.8)
(66.1%)
(183.2)
(39.6%)
(92.7)
(13.8%)
(637.0)
(43.3%)
(286.7)
(26.1%)
(205.3)
(16.3%)
(45.7)
(3.3%)
Interest Income7.00.00.10.00.00.00.0
Interest Expense0.039.157.116.91.40.00.0
Pre-tax Income(201.9)(363.7)(136.4)(587.8)(254.6)(210.1)(46.3)
Income Tax
% effective tax rate
(16.1)
8.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
0.0
0.0%
Net Income
% margin
(201.9)
(71.9%)
(363.7)
(78.7%)
(136.4)
(20.3%)
(587.8)
(39.9%)
(339.6)
(31.0%)
(213.4)
(16.9%)
(43.0)
(3.1%)
EPS(4.81)(0.90)(0.23)(1.25)(0.71)(0.45)(0.08)
Diluted EPS(4.81)(0.90)(0.23)(1.25)(0.71)(0.45)(0.08)
EBITDA
% margin
(16.1)
(5.7%)
(324.1)
(70.1%)
(78.7)
(11.7%)
(569.6)
(38.7%)
(252.0)
(23.0%)
(207.6)
(16.5%)
(44.9)
(3.3%)

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FAQ

1) What is Clover Health Investments, Corp.'s FCF to Net Income?

As of today, Microsoft Corp's last 12-month FCF to Net Income is (77.4%), based on the financial report for Dec 31, 2024 (Q4’2024). The average annual FCF to Net Income for Clover Health Investments, Corp. have been 46.9% over the past three years, and 85.1% over the past five years.

2) Is Clover Health Investments, Corp.'s FCF to Net Income Good?

As of today, Clover Health Investments, Corp.'s FCF to Net Income is (77.4%), which is lower than industry median of 107.1%. It indicates that Clover Health Investments, Corp.'s FCF to Net Income is Bad.

3) How does Clover Health Investments, Corp.'s FCF to Net Income compare to its peers?

As of today, Clover Health Investments, Corp.'s FCF to Net Income is (77.4%), which is lower than peer median of 140.8%. The list of peers includes OSCR, CI, BHG, HUM, UNH, CVS, ELV, MOH, ALHC, CNC.