Clover Health Investments, Corp.

NASDAQ•CLOV

CEO: Mr. Vivek Garipalli

セクター: Healthcare

業種: Medical - Healthcare Plans

上場日: 2020-06-12

Clover Health Investments, Corp. provides medicare advantage plans in the United States. It operates through two segments: Insurance and Non-Insurance. It also offers Clover Assistant, a cloud-based software platform, that enables physicians to detect, identify, and manage chronic diseases earlier; and access to data-driven and personalized insights for the patients they treat. Clover Health Investments, Corp. is based in Franklin, Tennessee.

連絡先情報

3401 Mallory Lane, Suite 210, Franklin, TN, 37067, United States

201-432-2133

www.cloverhealth.com/en

時価総額

$1.12B

PER (TTM)

-13.1

配当利回り

52週高値

$3.92

52週安値

$1.93

52週レンジ

12%

順位58Top 85.6%

2.3

F-Score

改良版 Piotroski 分析

7年ファンダメンタル

弱い • 2.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2019-2025

財務ダッシュボード

Q4 2025 データ

売上高

$487.71M+0.00%

直近4四半期の推移

EPS

-$0.10+0.00%

直近4四半期の推移

フリーCF

-$68.75M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Total Revenue Surges Total revenues reached $1.92B USD, showing 40.3% growth driven by premium expansion and member additions.

Membership Base Expands Insurance members reached 113,803 by December 31, 2025, supporting overall revenue scale and data collection.

Net Premiums Grew Net premiums earned increased 40.7% to $1.89B USD, driven by 33% average member increase during the period.

リスク要因

Profitability Deteriorates Sharply Net loss from continuing operations widened 87.0% to $(85.5M) USD, driven by rising medical costs and expenses.

Medical Costs Outpace Revenue Net medical claims incurred increased 55.9% to $1.57B USD, significantly exceeding 40.3% revenue growth.

Insurance Expense Ratio Rises Insurance Benefits expense ratio climbed to 90.9% from 81.2%, indicating reduced underwriting profitability and margin pressure.

Cash Flow Turns Negative Cash flow from operations swung to a $(66.9M) USD usage from $82.5M provided in the prior year.

見通し

Expand MA Plan Footprint MA plans will expand geographic presence in 2026, targeting 203 counties across five states for growth.

Continue Technology Investment Expect continued investment in Clover Assistant platform enhancements and AI capabilities for better care management.

Drive Counterpart Health Growth Focus remains on commercializing Counterpart Health SaaS offering to external payors for new revenue streams.

Manage Regulatory Environment Must navigate complex federal and state regulations, including potential changes to Medicare Advantage benchmarks.

同業比較

売上高 (TTM)

QDEL

$2.73B

-1.9%

TDOC

$2.53B

-1.5%

CLOV

$1.92B

+40.3%

粗利益率 (最新四半期)

GDRX

101.2%

-0.9pp

BCRX

97.6%

+1.2pp

NVCR

75.8%

-3.9pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
TWST	$2.95B	-38.3	-16.6%	28.8%
TXG	$2.86B	-65.3	-5.7%	15.1%
LFST	$2.86B	292.8	0.7%	8.8%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

1.8%

緩やかな成長

4四半期純利益CAGR

N/M

収益構造の変化

キャッシュフロー安定性

50%

キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年5月4日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし