Value Sense
CLOV
Clover Health Investments, Corp. (CLOV)
Last Price$3.4(0.9%)
Market Cap$1,625.6M
LTM Net Debt
($221.5M)
YoY Growth
-5.7%
3Y CAGR
-33.8%
5Y CAGR
+87.0%
Stock quality & Intrinsic value
5/10
46.9% overvalued
CLOV
is (46.9%) overvalued
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Clover Health Investments, Corp. Net Debt

Annual
Quarterly
LTM
Crunching data... Almost there!
Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24
Net Debt
($26.2M)
($9,681.0K)
($12.7M)
($763.4M)
($545.4M)
($238.0M)
($221.5M)
CLOV
Key metrics and insights to make informed decisions.
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Clover Health Investments, Corp. (CLOV) Net Debt comparison analysis

General

LTM Net Debt

Growth

Company name

YoY growth

3Y CAGR

5Y CAGR

Clover Health Investments, Corp. logo
Clover Health Investments, Corp.CLOV
($221.5M)
(5.7%)
(33.8%)
87.0%
Median Peer Set
($89.1M)
0.0%
1.5%
0.0%
CVS Health Corporation logo
CVS Health CorporationCVS
$71.9B
5.9%
4.3%
(2.3%)
UnitedHealth Group Incorporated logo
UnitedHealth Group IncorporatedUNH
$47.8B
26.4%
23.3%
10.1%
Cigna Corporation logo
Cigna CorporationCI
$23.8B
19.7%
(5.0%)
(5.7%)
Centene Corporation logo
Centene CorporationCNC
$2,744.0M
N/A
(14.5%)
24.9%
Bright Health Group, Inc. logo
Bright Health Group, Inc.BHG
$276.8M
N/A
N/A
N/A
Alignment Healthcare, Inc. logo
Alignment Healthcare, Inc.ALHC
($455.0M)
207.4%
13.8%
N/A
Oscar Health, Inc. logo
Oscar Health, Inc.OSCR
($1,852.1M)
(18.1%)
3.1%
N/A
Elevance Health Inc. logo
Elevance Health Inc.ELV
($2,257.0M)
(79.5%)
(34.7%)
(13.0%)
Molina Healthcare, Inc. logo
Molina Healthcare, Inc.MOH
($5,869.0M)
(12.4%)
3.8%
15.0%
Humana Inc. logo
Humana Inc.HUM
($8,714.0M)
N/A
N/A
N/A

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 Net Debt?

As of today, Clover Health Investments, Corp.'s last 12-month Net Debt is ($221.5M), based on the financial report for Dec 31, 2024 (Q4’2024).

2) What is Clover Health Investments, Corp.'s Net Debt growth rate?

Over the last year, Clover Health Investments, Corp.'s Net Debt growth was (5.7%). The average annual Net Debt growth rates for Clover Health Investments, Corp. have been (28.5%) over the past three years, 87.0% over the past five years.

3) Is Clover Health Investments, Corp.'s Net Debt growth rate Good?

Over the last year, Clover Health Investments, Corp.'s Net Debt growth was (5.7%), which is lower than industry growth of (0.3%). It indicates that Clover Health Investments, Corp.'s Net Debt growth is Good.

4) How does Clover Health Investments, Corp.'s Net Debt growth rate compare to its peers?

Over the last year, Clover Health Investments, Corp.'s Net Debt growth was (5.7%), which is higher than peer median growth of (44.9%). The list of peers includes CVS, UNH, CI, CNC, BHG, ALHC, OSCR, ELV, MOH, HUM etc.