Clover Health Investments Corp
NASDAQ:CLOV

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Clover Health Investments Corp
NASDAQ:CLOV
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Price: 3.41 USD 1.49% Market Closed
Market Cap: 1.7B USD
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Intrinsic Value

CLOV's intrinsic value estimate is unreliable because it is based only on its multiples and doesn't use a DCF valuation.

The intrinsic value of one CLOV stock under the Base Case scenario is 2.52 USD. Compared to the current market price of 3.41 USD, Clover Health Investments Corp is Overvalued by 26%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

CLOV Intrinsic Value
2.52 USD
Overvaluation 26%
Intrinsic Value
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Base Case
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Valuation Backtest
Clover Health Investments Corp

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Clover Health Investments Corp

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Financials
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TTM
Annual
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Balance Sheet Decomposition
Clover Health Investments Corp

Current Assets 432.7m
Cash & Short-Term Investments 333.6m
Receivables 52.3m
Other Current Assets 46.8m
Non-Current Assets 220.3m
Long-Term Investments 198.4m
PP&E 7.9m
Intangibles 3m
Other Non-Current Assets 11m
Current Liabilities 279.6m
Accounts Payable 25.7m
Accrued Liabilities 36.7m
Other Current Liabilities 217.2m
Non-Current Liabilities 31.2m
Other Non-Current Liabilities 31.2m
Efficiency

Earnings Waterfall
Clover Health Investments Corp

Revenue
1.5B USD
Operating Expenses
-1.6B USD
Operating Income
-71.7m USD
Other Expenses
-19.7m USD
Net Income
-91.4m USD

Free Cash Flow Analysis
Clover Health Investments Corp

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

CLOV Profitability Score
Profitability Due Diligence

Clover Health Investments Corp's profitability score is 23/100. The higher the profitability score, the more profitable the company is.

ROE is Increasing
ROIC is Increasing
Positive 3-Years Revenue Growth
Negative Revenue Growth Forecast
23/100
Profitability
Score

Clover Health Investments Corp's profitability score is 23/100. The higher the profitability score, the more profitable the company is.

CLOV Solvency Score
Solvency Due Diligence

Clover Health Investments Corp's solvency score is 50/100. The higher the solvency score, the more solvent the company is.

Low D/E
Long-Term Solvency
Short-Term Solvency
Low Altman Z-Score
50/100
Solvency
Score

Clover Health Investments Corp's solvency score is 50/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

CLOV Price Targets Summary
Clover Health Investments Corp

Wall Street analysts forecast CLOV stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for CLOV is 3.68 USD with a low forecast of 1.77 USD and a high forecast of 4.73 USD.

Lowest
Price Target
1.77 USD
48% Downside
Average
Price Target
3.68 USD
8% Upside
Highest
Price Target
4.73 USD
39% Upside
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Dividends

Clover Health Investments Corp
does not pay dividends
Shareholder Yield

Current shareholder yield for CLOV is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
No dividends
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Ownership

CLOV Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Clover Health Investments Corp Logo
Clover Health Investments Corp

Country

United States of America

Industry

Health Care

Market Cap

1.7B USD

Dividend Yield

0%

Description

Clover Health Investments Corp. provides healthcare insurance services. The company is headquartered in Franklin, Tennessee and currently employs 680 full-time employees. The company went IPO on 2020-06-12. The Company’s segments include Medicare Advantage (MA) and Direct Contracting (DC). The MA segment is an insurance business model that focuses on leveraging the Clover Assistant at the point of care. The Company’s DC segment is similar to the cost management and care coordination model accounted for as a performance guarantee, where Clover is responsible for coordinating care, managing costs, and providing support to providers and their direct contracting entity (DCE) beneficiaries through the use of Clover Assistant. The company offers a software platform called the Clover Assistant, which provides America’s seniors with Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) plans that are the obvious choice for Medicare-eligible consumers. The Clover Assistant is a technology platform that engages providers and delivers data-driven and personalized care. The company operates its MA plans in over nine states.

Contact

TENNESSEE
Franklin
3401 Mallory Lane, Suite 210, Suite 320
+12014322133.0
www.cloverhealth.com

IPO

2020-06-12

Employees

680

Officers

Co-Founder & Executive Chairman
Mr. Vivek Garipalli
Co-Founder, CEO & Director
Mr. Andrew Toy
General Counsel, Senior VP & Corporate Secretary
Ms. Karen Soares
Chief Executive Officer of Home Care
Mr. Brady Priest J.D.
Chief Executive Officer of Medicare Advantage
Ms. Jamie L. Reynoso
Chief Financial Officer
Mr. Peter J. Kuipers
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Chief Technology Officer
Mr. Conrad Wai
Head of Investor Relations & Corporate strategy
Mr. Derrick L. Nueman
Chief Compliance Officer
Ms. Wendy Richey
Chief People Officer
Ms. Rachel Fish
Show Less

See Also

Discover More
What is the Intrinsic Value of one CLOV stock?

The intrinsic value of one CLOV stock under the Base Case scenario is 2.52 USD.

Is CLOV stock undervalued or overvalued?

Compared to the current market price of 3.41 USD, Clover Health Investments Corp is Overvalued by 26%.

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