CLOV Valuation

Clover Health Investments Corp

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2.730

+0.12(4.598%)1D

Overview
Forecast
Valuation
Earnings

CLOV Relative Valuation

CLOV's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CLOV is overvalued; if below, it's undervalued.

Historical Valuation

Clover Health Investments Corp (CLOV) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.61 is considered Undervalued compared with the five-year average of -9.83. The fair price of Clover Health Investments Corp (CLOV) is between 3.47 to 5.16 according to relative valuation methord. Compared to the current price of 2.69 USD , Clover Health Investments Corp is Undervalued By 22.55%.

Relative Value

Fair Zone

3.47-5.16

Current Price：2.69

22.55%

Undervalued

-29.26

Trailing

Forward

15.41

EV/EBITDA

Clover Health Investments Corp. (CLOV) has a current EV/EBITDA of 15.41. The 5-year average EV/EBITDA is 5.26. The thresholds are as follows: Strongly Undervalued below -32.61, Undervalued between -32.61 and -13.67, Fairly Valued between 24.20 and -13.67, Overvalued between 24.20 and 43.13, and Strongly Overvalued above 43.13. The current Forward EV/EBITDA of 15.41 falls within the Historic Trend Line -Fairly Valued range.

-21.14

EV/EBIT

Clover Health Investments Corp. (CLOV) has a current EV/EBIT of -21.14. The 5-year average EV/EBIT is -6.97. The thresholds are as follows: Strongly Undervalued below -21.94, Undervalued between -21.94 and -14.46, Fairly Valued between 0.51 and -14.46, Overvalued between 0.51 and 7.99, and Strongly Overvalued above 7.99. The current Forward EV/EBIT of -21.14 falls within the Undervalued range.

0.61

Clover Health Investments Corp. (CLOV) has a current PS of 0.61. The 5-year average PS is 0.92. The thresholds are as follows: Strongly Undervalued below -1.30, Undervalued between -1.30 and -0.19, Fairly Valued between 2.04 and -0.19, Overvalued between 2.04 and 3.15, and Strongly Overvalued above 3.15. The current Forward PS of 0.61 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Clover Health Investments Corp. (CLOV) has a current P/OCF of 0.00. The 5-year average P/OCF is -4.75. The thresholds are as follows: Strongly Undervalued below -22.01, Undervalued between -22.01 and -13.38, Fairly Valued between 3.88 and -13.38, Overvalued between 3.88 and 12.51, and Strongly Overvalued above 12.51. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

-18.54

P/FCF

Clover Health Investments Corp. (CLOV) has a current P/FCF of -18.54. The 5-year average P/FCF is -8.16. The thresholds are as follows: Strongly Undervalued below -23.81, Undervalued between -23.81 and -15.99, Fairly Valued between -0.33 and -15.99, Overvalued between -0.33 and 7.49, and Strongly Overvalued above 7.49. The current Forward P/FCF of -18.54 falls within the Undervalued range.

Clover Health Investments Corp (CLOV) has a current Price-to-Book (P/B) ratio of 3.90. Compared to its 3-year average P/B ratio of 2.81 , the current P/B ratio is approximately 38.86% higher. Relative to its 5-year average P/B ratio of 3.12, the current P/B ratio is about 24.73% higher. Clover Health Investments Corp (CLOV) has a Forward Free Cash Flow (FCF) yield of approximately -3.70%. Compared to its 3-year average FCF yield of -21.63%, the current FCF yield is approximately -82.88% lower. Relative to its 5-year average FCF yield of -19.51% , the current FCF yield is about -81.02% lower.

3.87

P/B

Median3y

2.81

Median5y

3.12

-3.70

FCF Yield

Median3y

-21.63

Median5y

-19.51

Competitors Valuation Multiple

The average P/S ratio for CLOV's competitors is 0.70, providing a benchmark for relative valuation. Clover Health Investments Corp Corp (CLOV) exhibits a P/S ratio of 0.61, which is -13.47% above the industry average. Given its robust revenue growth of 34.07%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CLOV.O

Clover Health Investments Corp

Privia Health Group Inc

Brighthouse Financial Inc

Jackson Financial Inc

0.90

-132.85%

6.86B

Performance Decomposition

Market capitalization of CLOV increased by 3.80% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -11.09 to -31.03.

The secondary factor is the Revenue Growth, contributed 34.07%to the performance.

Overall, the performance of CLOV in the past 1 year is driven by P/E Change. Which is more unsustainable.

34.07%

356.26M → 477.62M

Revenue Growth

-209.95%

2.01 → -2.21

Margin Expansion

179.68%

-11.09 → -31.03

P/E Change

3.80%