Revenue growing at 62% year-over-year places this among the fastest-growing businesses in its industry, but the stock already trades well above analyst consensus, quality remains below minimum investable thresholds, and overbought conditions combine with heavy protective options positioning to create a poor near-term entry.
Thesis pillars
- Quality Below Minimum Threshold→Stable
- Industry Leading Revenue Growth→Stable
- Stock Above Analyst Consensus↑Improving
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 27, 2026
Clover Health Investments, Corp (CLOV) Stock Analysis
Healthcare · Healthcare Plans
Sell if holding. Engine safety override at $4.79: Quality below floor (2.3 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10. Specifically: Below-average business quality.
Clover Health Investments is a Medicare Advantage (MA) insurer built around Clover Assistant, a proprietary software platform giving physicians data-driven, real-time clinical recommendations to catch and manage chronic disease earlier; it also licenses the platform externally... Read more
Sell if holding. Engine safety override at $4.79: Quality below floor (2.3 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10. Specifically: Below-average business quality. Chart setup: No clear chart pattern; technical signals are mixed. Score 5.7/10, moderate confidence.
Passes 6/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 6d<=7d. Suitability: aggressive.
About Clover Health Investments, Corp
About Clover Health Investments, Corp
Clover Health Investments generated substantially all of its revenue from Medicare Advantage premiums paid by CMS, operating MA plans across five states and 203 counties as of January 1, 2026. The company reported a net loss of $85.5 million for 2025, narrower than 2023's $210.1 million loss but wider than 2024's $46.3 million, against an accumulated deficit of approximately $2.3 billion. Roughly 87% of its members are residents of New Jersey, concentrated in two metropolitan areas.
Clover's business model centers on Clover Assistant, a cloud-based software platform that curates data from over 100 sources to give primary care physicians point-of-care, data-driven treatment recommendations; providers are paid an enhanced per-visit rate for using it, funded by the medical-cost savings and improved risk-adjustment accuracy the platform is designed to generate. Because Clover is required to spend at least 85% of MA premium revenue on healthcare services and quality improvement under the ACA's medical loss ratio rule, profitability depends on driving down medical care ratios through Clover Assistant adoption and clinical programs like Clover Home Care for the highest-acuity members. In 2024 the company launched Counterpart Health, a SaaS offering that licenses the same technology as Counterpart Assistant to external payors and providers, though management states this business is not yet significant to overall results. Clover competes against Original Medicare and other MA insurers, some of which offer special-needs plans that Clover does not.
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The clearest structural risk in Clover's own filings is geographic: at December 31, 2025, approximately 87% of the company's members, concentrated in two metropolitan areas, were residents of New Jersey, meaning state-level reimbursement changes, competitive intensity, or economic conditions in that single state would disproportionately affect results. That geographic concentration compounds a business model already dependent on a single payor: Clover discloses that it derives substantially all of its Total revenues from Medicare Advantage premiums paid by CMS, and that any CMS risk-adjustment model change or medical-loss-ratio shortfall could force a rebate with a material effect on results. Because Clover Assistant's economics are unproven outside markets where Clover already has member density, expansion beyond its New Jersey base carries meaningfully different unit economics than the filing's historical results would suggest.
See also: Healthcare · Healthcare Plans
From Clover Health Investments, Corp's most recent 10-K filing, extracted July 6, 2026.
Recent developments
updated 2026-10-29Recent Developments — Clover Health Investments, Corp
Latest news
- NEWS Needham Initiates Coverage of Clover Health Investments with Buy Rating — fiscal.ai Oct 28, 2026 positive
- NEWS This Spero Therapeutics Analyst Begins Coverage On A Bullish Note; Here Are Top 5 Initiations For Wednesday — benzinga Oct 28, 2026 neutral
- NEWS Needham Initiates Coverage On Clover Health Investments with Buy Rating, Announces Price Target of $6 — benzinga Oct 28, 2026 positive
- NEWS Clover Health to Participate in Upcoming UBS Global Healthcare Conference — fiscal.ai Oct 26, 2026
- NEWS Clover Health Earns Top Distinctions in U.S. News & World Report's 2027 Medicare Advantage Ratings — fiscal.ai Oct 19, 2026 positive
Generated 2026-10-29T11:53:50Z.
Upcoming dated catalysts
Thesis
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Quality Signals
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Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
2 floor-breakers·1 ceiling hit
Unprofitable operations — net margin -0.7%. Quality floor flags this regardless of sector context.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $4.79: Quality below floor (2.3 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.7/10. Specifically: Below-average business quality. Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $4.45. Score 5.7/10, moderate confidence.
Analyst target $4.79 reached (−0.1% from $4.79); no take-profit level is published. Prior stop was $4.45. Stop-loss: $4.45.
Target reached (-0.1% upside); Quality below floor (2.3 < 4.0).
Clover Health Investments, Corp trades at a P/E of N/A (forward 31.9). TrendMatrix value score: 7.4/10. Verdict: Sell.
10 analysts cover CLOV with a consensus score of 3.9/5. Average price target: $6.
What does Clover Health Investments, Corp do?Clover Health Investments is a Medicare Advantage (MA) insurer built around Clover Assistant, a proprietary software...
Clover Health Investments is a Medicare Advantage (MA) insurer built around Clover Assistant, a proprietary software platform giving physicians data-driven, real-time clinical recommendations to catch and manage chronic disease earlier; it also licenses the platform externally as Counterpart Assistant. The company derives substantially all of its revenue from MA premiums paid by CMS, operating in five states and 203 counties as of January 2026, though approximately 87% of its members are concentrated in New Jersey.