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CLOV · Nasdaq · United States · Hospital & Medical Service Plans
In shortCLOVER HEALTH INVESTMENTS, CORP. /DE is loss-making.
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | -4.4% | 2/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -4.4% | 2/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -26.3% | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -3.6% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 1 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 0 of 5 | 0/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 54.2% | 0/100 |
| Operating margin volatility | 16.6% | 0/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 20.6% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
2 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 1,472 | 1,097 | 1,261 | 1,371 | 1,924 |
| Gross profit | (79) | 23 | 257 | – | – |
| Operating income | (637) | (287) | (205) | (46) | (86) |
| Interest expense | 3.2 | 1.3 | 0 | 0 | 0 |
| Pre-tax income | – | – | (213) | (43) | (86) |
| Income tax | 0 | 0 | 0 | 0 | 0 |
| Net income | (588) | (340) | (213) | (43) | (86) |
| Diluted EPS | −$1.42 | −$0.71 | −$0.44 | – | – |
| Diluted shares (millions) | 413 | 476 | 482 | 490 | 512 |
2 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of CLOVER HEALTH INVESTMENTS, CORP. /DE are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
3/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 7, 2026