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 0.51 is considered Undervalued compared with the five-year average of -11.74. The fair price of Clover Health Investments Corp (CLOV) is between 3.12 to 5.26 according to relative valuation methord. Compared to the current price of 2.50 USD , Clover Health Investments Corp is Undervalued By 19.99%.
Relative Value
Fair Zone
3.12-5.26
Current Price：2.50
19.99%
Undervalued
-30.16
PE
1Y
3Y
5Y
35.33
EV/EBITDA
Clover Health Investments Corp. (CLOV) has a current EV/EBITDA of 35.33. The 5-year average EV/EBITDA is 8.16. The thresholds are as follows: Strongly Undervalued below -32.63, Undervalued between -32.63 and -12.23, Fairly Valued between 28.55 and -12.23, Overvalued between 28.55 and 48.94, and Strongly Overvalued above 48.94. The current Forward EV/EBITDA of 35.33 falls within the Overvalued range.
-12.26
EV/EBIT
Clover Health Investments Corp. (CLOV) has a current EV/EBIT of -12.26. The 5-year average EV/EBIT is -8.08. The thresholds are as follows: Strongly Undervalued below -24.83, Undervalued between -24.83 and -16.45, Fairly Valued between 0.30 and -16.45, Overvalued between 0.30 and 8.67, and Strongly Overvalued above 8.67. The current Forward EV/EBIT of -12.26 falls within the Historic Trend Line -Fairly Valued range.
0.51
PS
Clover Health Investments Corp. (CLOV) has a current PS of 0.51. The 5-year average PS is 0.92. The thresholds are as follows: Strongly Undervalued below -1.28, Undervalued between -1.28 and -0.18, Fairly Valued between 2.02 and -0.18, Overvalued between 2.02 and 3.12, and Strongly Overvalued above 3.12. The current Forward PS of 0.51 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 -4.57. The thresholds are as follows: Strongly Undervalued below -21.92, Undervalued between -21.92 and -13.24, Fairly Valued between 4.10 and -13.24, Overvalued between 4.10 and 12.77, and Strongly Overvalued above 12.77. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/FCF
Clover Health Investments Corp. (CLOV) has a current P/FCF of 0.00. The 5-year average P/FCF is -8.59. The thresholds are as follows: Strongly Undervalued below -24.52, Undervalued between -24.52 and -16.56, Fairly Valued between -0.63 and -16.56, Overvalued between -0.63 and 7.34, and Strongly Overvalued above 7.34. The current Forward P/FCF of 0.00 falls within the Overvalued range.
Clover Health Investments Corp (CLOV) has a current Price-to-Book (P/B) ratio of 3.63. Compared to its 3-year average P/B ratio of 3.09 , the current P/B ratio is approximately 17.63% higher. Relative to its 5-year average P/B ratio of 3.52, the current P/B ratio is about 3.30% higher. Clover Health Investments Corp (CLOV) has a Forward Free Cash Flow (FCF) yield of approximately -6.94%. Compared to its 3-year average FCF yield of -20.27%, the current FCF yield is approximately -65.78% lower. Relative to its 5-year average FCF yield of -17.16% , the current FCF yield is about -59.57% lower.
3.63
P/B
Median3y
3.09
Median5y
3.52
-6.94
FCF Yield
Median3y
-20.27
Median5y
-17.16
Competitors Valuation Multiple
The average P/S ratio for CLOV's competitors is 0.84, providing a benchmark for relative valuation. Clover Health Investments Corp Corp (CLOV) exhibits a P/S ratio of 0.51, which is -39.19% above the industry average. Given its robust revenue growth of 50.05%, this premium appears sustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of CLOV decreased by 43.05% over the past 1 year. The primary factor behind the change was an decrease in Margin Expansion from -2.65 to -4.91.
The secondary factor is the Revenue Growth, contributed 50.05%to the performance.
Overall, the performance of CLOV in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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Frequently Asked Questions
Is Clover Health Investments Corp (CLOV) currently overvalued or undervalued?
Clover Health Investments Corp (CLOV) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.51 is considered Undervalued compared with the five-year average of -11.74. The fair price of Clover Health Investments Corp (CLOV) is between 3.12 to 5.26 according to relative valuation methord. Compared to the current price of 2.50 USD , Clover Health Investments Corp is Undervalued By 19.99% .
What is Clover Health Investments Corp (CLOV) fair value?
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. The fair price of Clover Health Investments Corp (CLOV) is between 3.12 to 5.26 according to relative valuation methord.
How does CLOV's valuation metrics compare to the industry average?
The average P/S ratio for CLOV's competitors is 0.84, providing a benchmark for relative valuation. Clover Health Investments Corp Corp (CLOV) exhibits a P/S ratio of 0.51, which is -39.19% above the industry average. Given its robust revenue growth of 50.05%, this premium appears sustainable.
What is the current P/B ratio for Clover Health Investments Corp (CLOV) as of Jan 08 2026?
As of Jan 08 2026, Clover Health Investments Corp (CLOV) has a P/B ratio of 3.63. This indicates that the market values CLOV at 3.63 times its book value.
What is the current FCF Yield for Clover Health Investments Corp (CLOV) as of Jan 08 2026?
As of Jan 08 2026, Clover Health Investments Corp (CLOV) has a FCF Yield of -6.94%. This means that for every dollar of Clover Health Investments Corp’s market capitalization, the company generates -6.94 cents in free cash flow.
What is the current Forward P/E ratio for Clover Health Investments Corp (CLOV) as of Jan 08 2026?
As of Jan 08 2026, Clover Health Investments Corp (CLOV) has a Forward P/E ratio of -30.16. This means the market is willing to pay $-30.16 for every dollar of Clover Health Investments Corp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Clover Health Investments Corp (CLOV) as of Jan 08 2026?
As of Jan 08 2026, Clover Health Investments Corp (CLOV) has a Forward P/S ratio of 0.51. This means the market is valuing CLOV at $0.51 for every dollar of expected revenue over the next 12 months.