Clover Health Investments Corp Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $2.5B+80.6% YoYTTM through 30 Jun 2026
Net Income -$18.4MTTM through 30 Jun 2026
Free Cash Flow $74.2MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Gross Margin | 18.5% |
| EBITDA Margin | -0.8% |
| Operating Margin | -4.4% |
| Net Margin | -0.7% |
Returns
-27.7%ROE
-15.8%ROA
Balance Sheet Health
Debt / Equity0.00x
Current Ratio1.47x
Net Debt-$95.3Mnet cash position
Cash & Equivalents$78.3M
Quality Metrics
Altman Z-Score3.61
Piotroski F-Score5 / 9
FCF Margin3.0%
Rule of 4022.3
Earnings-Beat Rate75.0%
Multi-Year Trend
RevenueFY2025: $1.9B
Diluted EPSFY2025: $-0.17
Dividend
No dividend
Capital Allocation
Capex Intensity0.1%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Insurance | $1.9B | +41.0% | View detailsFor 2026, Clover Health expects average Medicare Advantage membership of 154,000 - 158,000, representing 46% growth year-over-year at the midpoint, and expects improving cohort economics to drive full-year GAAP Net Income profitability. |
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