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Upturn AI Summary - About
Clover Health Investments Corp(CLOV)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CLOV
11/12/2026: CLOV (5-star) is currently NOT-A-BUY. Pass it for now.
Clover Health Investments Corp is a data-driven managed healthcare company that offers Medicare Advantage plans to seniors. Its primary strength lies in its proprietary Clover Assistant AI platform, which helps physicians manage chronic conditions, contributing to its recent progress toward sustainable profitability. While the company has a unique value proposition, it operates in a challenging market against dominant, well-capitalized national insurers. Investors must monitor regulatory trends, medical cost management, and the company's ability to maintain its path toward consistent earnings. The stock suits investors comfortable with high volatility and long-term sector growth, though it carries substantial risks related to competition and regulatory dependence.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Clover offers potential upside through technology-driven care, but growth is now moderated by a necessary focus on profitability. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit high beta and momentum based on shifts in profitability trends and market sentiment toward AI-healthcare plays. |
| Value investor | Weak fit | The company is still proving its long-term earnings consistency and valuation remains speculative. |
| Dividend investor | Weak fit | Clover does not pay a dividend and focuses capital on operational reinvestment. |
| Low-risk investor | Weak fit | The company's industry, regulatory exposure, and historical volatility make it unsuitable for conservative, low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock frequently experiences significant price swings based on earnings announcements and sector-wide regulatory sentiment. |
| Valuation risk | Medium / high | As a growth-oriented company transitioning to profitability, valuation is highly sensitive to future earnings projections. |
| Competition risk (National Insurance Giants) | High | Clover must compete against dominant, well-capitalized insurers that possess significant economies of scale. |
| Business quality | Medium | The company's reliance on proprietary AI (Clover Assistant) is a key differentiator, but it must be consistently proven through medical outcomes. |
| Dividend income | Low / none | Income-focused investors should not expect distributions from the company in the foreseeable future. |
| Execution risk | Medium / high | Success depends on accurately managing medical costs and achieving favorable regulatory outcomes in a complex, shifting landscape. |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.66B USD | Price to earnings Ratio 497 | 1Y Target Price 5.6 |
Price to earnings Ratio 497 | 1Y Target Price 5.6 | ||
Volume (30-day avg) 4.7M shares | Beta 2.48 | 52 Weeks Range 1.58 - 5.59 | Updated Date 11/12/2026 |
52 Weeks Range 1.58 - 5.59 | Updated Date 11/12/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.01 |
Sector & Industry Intelligence
Sector
Healthcare
Bullish- Sentiment
- Strong Bullish
- Momentum
- Momentum Steady
- BUY participation
- 62.6%
- Active BUY / eligible
- 72 / 115
- 30-Day BUY Count Change
- +35
- Market state
- Strong Bullish
The number of qualifying BUY stocks has remained relatively stable.
Industry
Healthcare Plans
- BUY participation
- 60.0%
- Active BUY / eligible
- 3 / 5
- 30-Day BUY Count Change
- +1
Eligible universe: 5 stocks.
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 267.75% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Medicare Advantage Insurance | Premiums collected from the government (CMS) and members for health insurance coverage. | The company gets paid to manage health insurance plans for seniors; profit depends on keeping medical costs lower than these payments. |
Earnings Date
Report Date 2026-11-04 | When After Market | Estimate -0.01 | Actual 0.01 |
Profitability
Profit Margin 0.45% | Operating Margin (TTM) 0.46% |
Management Effectiveness
Return on Assets (TTM) 1.18% | Return on Equity (TTM) 3.4% |
Valuation
Trailing PE 497 | Forward PE 37.74 | Enterprise Value 2.30B | Price to Sales(TTM) 0.97 |
Enterprise Value 2.30B | Price to Sales(TTM) 0.97 | ||
Enterprise Value to Revenue 0.84 | Enterprise Value to EBITDA 158.47 | Shares Outstanding 439.71M | Shares Floating 416.64M |
Shares Outstanding 439.71M | Shares Floating 416.64M | ||
Percent Insiders 4.26 | Percent Institutions 35.05 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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