Clover Health Investments, Corp.

NASDAQ•CLOV

CEO: Mr. Vivek Garipalli

板块: Healthcare

行业: Medical - Healthcare Plans

上市日期: 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.

联系方式

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

201-432-2133

www.cloverhealth.com/en

市值

$1.81B

市盈率 (TTM)

-32.1

100.8

股息率

52周最高

$3.92

52周最低

$1.58

52周范围

82%

排名58Top 85.6%

2.3

F-Score

改良版 Piotroski 分析

基于 7 年期基本面

疲弱 • 2.3 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2019-2025

财务仪表盘

Q1 2026 数据

营业收入

$749.19M+0.00%

近4季度走势

每股收益

$0.05+0.00%

近4季度走势

自由现金流

$74.12M+0.00%

近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

QDEL

$2.66B

-3.8%

TDOC

$2.51B

-1.5%

CLOV

$2.21B

+48.7%

毛利率 (最新季度)

GDRX

78.4%

-0.9pp

NVCR

77.6%

-3.9pp

TXG

70.4%

-2.8pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
TWST	$3.08B	-37.6	-17.5%	14.2%
NHC	$3.06B	24.6	11.7%	2.6%
LFST	$3.00B	129.0	1.6%	9.1%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

16.2%

高速增长

4季度净利润复合增长率

N/M

盈利状态转变

现金流稳定性

75%

现金流波动较大

深度研究

下次财报:2026年8月4日

每股收益:$0.05

营业收入:$728.27M

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据