Value Sense
CLOV
Clover Health Investments, Corp. (CLOV)
Last Price$3.4(0.9%)
Market Cap$1,625.6M
LTM Net Debt to Free Cash Flow
(6.7x)
5Y avg
3.8x
Medical - Healthcare Plans industry median
(0.4x)
Stock quality & Intrinsic value
5/10
(0.5%) overvalued
CLOV
is (46.9%) overvalued
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Clover Health Investments, Corp. Net Debt to Free Cash Flow

Annual
Quarterly
LTM
Industry median
Company stand-alone
CLOV
Healthcare
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Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24
Net Debt to Free Cash Flow
0.2x
0.1x
4.4x
2.7x
2.6x
2.0x
(6.7x)
CLOV
Key metrics and insights to make informed decisions.
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Clover Health Investments, Corp. (CLOV) Net Debt to Free Cash Flow comparison analysis

General

LTM Net Debt to Free Cash Flow

OTHER METRICS

Company name

Revenue growth

EPS growth

Net Income margin

Clover Health Investments, Corp. logo
Clover Health Investments, Corp.CLOV
(6.7x)
8.8%
(82.2%)
(3.1%)
Median Peer Set
(0.3x)
9.8%
(7.6%)
1.1%
Alignment Healthcare, Inc. logo
Alignment Healthcare, Inc.ALHC
68.4x
48.3%
(15.2%)
(4.7%)
CVS Health Corporation logo
CVS Health CorporationCVS
11.4x
4.2%
(43.6%)
1.2%
Cigna Corporation logo
Cigna CorporationCI
2.7x
26.6%
(93.1%)
0.1%
UnitedHealth Group Incorporated logo
UnitedHealth Group IncorporatedUNH
2.3x
8.9%
(35.7%)
3.6%
Bright Health Group, Inc. logo
Bright Health Group, Inc.BHG
(0.1x)
(51.9%)
86.2%
(103.4%)
Elevance Health Inc. logo
Elevance Health Inc.ELV
(0.5x)
3.2%
0.5%
3.4%
Oscar Health, Inc. logo
Oscar Health, Inc.OSCR
(1.9x)
56.5%
N/A
0.3%
Humana Inc. logo
Humana Inc.HUM
(3.6x)
10.7%
(50.2%)
1.0%
Centene Corporation logo
Centene CorporationCNC
(5.6x)
5.9%
27.4%
2.0%
Molina Healthcare, Inc. logo
Molina Healthcare, Inc.MOH
(10.8x)
19.3%
9.2%
2.9%

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 to Free Cash Flow?

As of today, Microsoft Corp's last 12-month Net Debt to Free Cash Flow is (6.7x), based on the financial report for Dec 31, 2024 (Q4’2024). The average annual Net Debt to Free Cash Flow for Clover Health Investments, Corp. have been 1.1x over the past three years, and 4.0x over the past five years.

2) Is Clover Health Investments, Corp.'s Net Debt to Free Cash Flow Good?

As of today, Clover Health Investments, Corp.'s Net Debt to Free Cash Flow is (6.7x), which is lower than industry median of (0.4x). It indicates that Clover Health Investments, Corp.'s Net Debt to Free Cash Flow is Good.

3) How does Clover Health Investments, Corp.'s Net Debt to Free Cash Flow compare to its peers?

As of today, Clover Health Investments, Corp.'s Net Debt to Free Cash Flow is (6.7x), which is lower than peer median of (0.3x). The list of peers includes ALHC, CVS, CI, UNH, BHG, ELV, OSCR, HUM, CNC, MOH.