Value Sense
CLOV
Clover Health Investments, Corp. (CLOV)
Last Price$3.4(0.9%)
Market Cap$1,625.6M
LTM Pre-tax Income
($46.3M)
YoY Growth
-78.2%
3Y CAGR
-57.1%
5Y CAGR
-30.5%
Stock quality & Intrinsic value
5/10
46.9% overvalued
CLOV
is (46.9%) overvalued
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Clover Health Investments, Corp. Pre-tax Income

Annual
Quarterly
LTM
Crunching data... Almost there!
Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24
Pre-tax Income
($201.9M)
($363.7M)
($136.4M)
($587.8M)
($254.6M)
($210.1M)
($46.3M)
CLOV
Key metrics and insights to make informed decisions.
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Clover Health Investments, Corp. (CLOV) Pre-tax Income comparison analysis

General

LTM Pre-tax Income

Growth

Company name

YoY growth

3Y CAGR

5Y CAGR

Clover Health Investments, Corp. logo
Clover Health Investments, Corp.CLOV
($46.3M)
(78.2%)
(57.1%)
(30.5%)
Median Peer Set
$2,942.0M
(9.0%)
(1.8%)
0.0%
UnitedHealth Group Incorporated logo
UnitedHealth Group IncorporatedUNH
$20.1B
(31.1%)
(3.5%)
2.2%
Elevance Health Inc. logo
Elevance Health Inc.ELV
$7,904.0M
2.4%
(0.1%)
5.7%
CVS Health Corporation logo
CVS Health CorporationCVS
$6,148.0M
(45.0%)
(16.1%)
(7.3%)
Cigna Corporation logo
Cigna CorporationCI
$5,269.0M
(4.4%)
(8.1%)
(4.3%)
Centene Corporation logo
Centene CorporationCNC
$4,257.0M
18.3%
32.9%
19.0%
Humana Inc. logo
Humana Inc.HUM
$1,627.0M
(51.0%)
(21.9%)
(14.1%)
Molina Healthcare, Inc. logo
Molina Healthcare, Inc.MOH
$1,589.0M
8.5%
22.0%
10.3%
Oscar Health, Inc. logo
Oscar Health, Inc.OSCR
$33.4M
N/A
N/A
N/A
Alignment Healthcare, Inc. logo
Alignment Healthcare, Inc.ALHC
($128.1M)
(13.6%)
(13.1%)
N/A
Bright Health Group, Inc. logo
Bright Health Group, Inc.BHG
($670.0M)
(23.5%)
37.5%
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 Pre-tax Income?

As of today, Clover Health Investments, Corp.'s last 12-month Pre-tax Income is ($46.3M), based on the financial report for Dec 31, 2024 (Q4’2024).

2) What is Clover Health Investments, Corp.'s Pre-tax Income growth rate?

Over the last year, Clover Health Investments, Corp.'s Pre-tax Income growth was (78.2%). The average annual Pre-tax Income growth rates for Clover Health Investments, Corp. have been (49.1%) over the past three years, (30.5%) over the past five years.

3) Is Clover Health Investments, Corp.'s Pre-tax Income growth rate Good?

Over the last year, Clover Health Investments, Corp.'s Pre-tax Income growth was (78.2%), which is lower than industry growth of (0.3%). It indicates that Clover Health Investments, Corp.'s Pre-tax Income growth is Bad.

4) How does Clover Health Investments, Corp.'s Pre-tax Income growth rate compare to its peers?

Over the last year, Clover Health Investments, Corp.'s Pre-tax Income growth was (78.2%), which is lower than peer median growth of (14.9%). The list of peers includes UNH, ELV, CVS, CI, CNC, HUM, MOH, OSCR, ALHC, BHG etc.