Clover Health Investments Corp. Class A Common Stock (CLOV)

FairStock Score: 28/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Clover Health as a Graham-style balance-sheet and earnings man. The business sells Medicare Advantage plans and a physician software platform. Revenue has grown fast: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $743.2 million and net income was $28.0 million; in fiscal Q1 2026, the quarter ended 2026-03-31, revenue was $749.2 million and net income was $27.3 million. Those are welcome signs. But the record is not durable. For FY2025, period ended 2025-12-31, the company reported revenue of $1.9 billion and net income of -$85.5 million. FY2024, period ended 2024-12-31, had revenue of $1.4 billion and net income of -$43.0 million, and FY2023, period ended 2023-12-31, had revenue of $1.3 billion and net income of -$213.4 million. FairStock's Lynch category is none because of losses in each of the last four years. At the 2026-10-13 close of $4.81, FairStock's P/E is -96.20, P/B is 6.77, ROE is -5.10%, and FCF yield is only 2.8%. The Piotroski F-score is 3/9 and Altman Z-score is 1.67, which suggest fragility. Debt is low, with D/E 0.01, and the recent quarters are profitable, so the story could improve. But I see no demonstrated durable moat, little margin of safety, high beta, and a FairStock score of 28/100. Without a multi-year record of profits and cash returns, this is speculation more than investment.

In plain English: Clover Health sells Medicare Advantage health plans and software that helps doctors manage patient care. Revenue is growing quickly, and the company made money in the first two quarters of 2026, but it still lost money in each of the last four full years. At $4.81, the stock looks expensive compared with its weak profit record and modest cash generation.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer