CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV)

Healthcare · Healthcare Services · Price $4.23
Updated: Aug 31, 2026
Revenue (TTM)
$2.5B
Trailing 12 Months
Growth Rate
-3.70%
Log-Linear Regression (16Q)
Price/Sales
0.9x
Valuation Multiple
Revenue Per Share
$4.72
Sales / Shares
Gross Margin
13.45%
Pricing Power

📈 Revenue History (16 Quarters)

🧮 CLOV Revenue Breakdown

Revenue = Product Sales + Service Revenue + Other Income
Total Revenue (TTM) $2.5B
Less: Cost of Revenue N/A
Equals: Gross Profit $333.2M
Then: Operating Income $-18.4M
Finally: Net Income $-18.4M

Understanding Revenue

Revenue, also called sales or the "top line," represents the total income a company generates from its business activities before any costs are deducted. For CLOV, the trailing twelve month revenue is $2.5B.

Why Revenue Matters

Revenue is the foundation of all financial analysis. A company cannot have sustainable profits without revenue, and revenue growth often drives stock price appreciation. However, revenue alone doesn't tell the full story - it must be analyzed alongside profitability metrics.

CLOV's revenue growth rate of -3.70% (based on log-linear regression of 16 quarters) indicates relatively flat or slightly declining sales.

Revenue vs Profitability Metrics

Free Cash Flow: $54.5M →

The cash remaining after capital expenditures. High revenue with negative FCF may indicate heavy reinvestment or poor cash conversion.

Owner Earnings: $55.4M →

Buffett's metric for true cash generation. Compares revenue's conversion to actual owner value.

Earnings Per Share: $-0.05 →

Net income per share. The bottom line result of all revenue after costs, taxes, and interest.

Net Income: $-18.4M

What remains after all expenses. Net margin shows what percentage of revenue becomes profit.

Price/Sales Ratio Analysis

CLOV's P/S ratio of 0.9x means investors pay $0.90 for every $1 of annual revenue. A P/S below 1 is generally considered "deep value" territory.

Gross Margin: Revenue Quality

Gross margin of 13.45% shows how much of CLOV's revenue remains after direct costs. Gross margins below 20% suggest intense competition or low-margin business models.

Summary: CLOV Revenue Trend

CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) generated $2.5B in trailing twelve-month revenue, growing at -3.70% annually — a negative trend — revenue erosion that warrants monitoring. CLOVER HEALTH INVESTMENTS, CORP. /DE's gross margin of 13.45% is below the 20% floor Zyberno applies to Healthcare businesses — thin margins limit the ability to absorb cost increases or invest in growth. For complete financial analysis, view the full CLOV stock report on Zyberno.

Frequently Asked Questions

What is CLOV's current revenue?

CLOVER HEALTH INVESTMENTS, CORP. /DE's trailing twelve month (TTM) revenue is $2.5B, growing at -3.70% annually — a negative trend — revenue erosion that warrants monitoring.

Is CLOV's revenue growing?

CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) generated $2.5B in trailing twelve-month revenue, growing at -3.70% annually — a negative trend — revenue erosion that warrants monitoring. CLOVER HEALTH INVESTMENTS, CORP. /DE's gross margin of 13.45% is below the 20% floor Zyberno applies to Healthcare businesses — thin margins limit the ability to absorb cost increases or invest in growth.

What is CLOV's gross margin?

CLOVER HEALTH INVESTMENTS, CORP. /DE's gross margin of 13.45% is below the 20% floor Zyberno applies to Healthcare businesses — thin margins limit the ability to absorb cost increases or invest in growth.

What is CLOV's Price/Sales ratio?

CLOV's P/S ratio is 0.9x, meaning the market values the company at 0.9 times its annual revenue.

How does revenue differ from profit?

Revenue is the total income before any expenses, while profit (net income) is what remains after all costs. CLOV's revenue is $2.5B with a net income of $-18.4M, showing a net profit margin of -0.7%.

📊 Valuation Trilogy
Three interconnected metrics built on Owner Earnings
💎
Intrinsic Value
DCF Fair Value
$0.47
🛡️
Margin of Safety
Valuation Gap
-100.0%
🎯
Expected Return
Projected Annual
-48.4%
Click any metric for full methodology and detailed analysis

📊 Full CLOV Stock Report

See CLOV's intrinsic value, margin of safety, DCF valuation, and complete financial analysis with 250+ metrics.

💵 CLOV Free Cash Flow

Compare to Free Cash Flow which subtracts all capital expenditures, not just maintenance CapEx.

💰 CLOV Owner Earnings

Compare to Buffett's Owner Earnings metric which uses maintenance CapEx instead of total capital expenditures.

📈 CLOV Earnings Per Share

Analyze EPS trends, P/E ratio, earnings yield, and per-share profitability metrics.

🎯 CLOV Earnings Surprise (SUE)

See whether CLOV is beating or missing its own earnings trend — Standardized Unexpected Earnings and post-earnings drift.

📊 CLOV Revenue

Analyze revenue trends, growth rate, P/S ratio, and top-line sales performance.

💰 CLOV Net Income

Analyze the bottom-line profit, P/E ratio, and net profit margin trends.

🔶 CLOV Operating Income

Analyze EBIT, operating margin, and core business profitability before interest and taxes.

💜 CLOV Gross Profit

Analyze gross margin, pricing power, and profitability before operating expenses.

View Full CLOV Report Find More Quality Stocks
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