Stocktoria
CLOVER HEALTH INVESTMENTS, CORP. /DE CLOV
Nasdaq · XNAS · stock · Hospital & Medical Service Plans · website · IPO 2020-06-12
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2/9
Piotroski F — financial health
-12.26
Altman Z″ — distress risk · distress
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $1.9B | $1.4B | $1.3B | $1.1B | $1.5B |
| Gross profit | — | — | $257.3M | $70.2M | -$79.2M |
| Operating income | -$85.5M | -$45.7M | -$205.3M | -$286.7M | -$637.0M |
| Net income | -$85.5M | -$43.0M | -$213.4M | -$339.6M | -$587.8M |
| Operating cash flow | -$66.9M | $34.8M | -$144.7M | -$304.6M | -$282.3M |
| Free cash flow | -$69.0M | $33.3M | -$145.2M | -$309.1M | -$283.0M |
| Total assets | $541.0M | $580.7M | $570.7M | $808.6M | $950.8M |
| Total liabilities | $232.3M | $239.6M | $284.3M | $451.7M | $410.8M |
| Shareholders' equity | $308.7M | $341.1M | $286.4M | $356.9M | $540.0M |
| Ratios | |||||
| Gross margin | — | — | 20.4% | 6.4% | -5.4% |
| Operating margin | -4.4% | -3.3% | -16.3% | -26.1% | -43.3% |
| Net margin | -4.4% | -3.1% | -16.9% | -31.0% | -39.9% |
| FCF margin | -3.6% | 2.4% | -11.5% | -28.2% | -19.2% |
| Return on assets | -15.8% | -7.4% | -37.4% | -42.0% | -61.8% |
| Return on equity | -27.7% | -12.6% | -74.5% | -95.1% | -108.8% |
| Debt / equity | — | — | — | 0.00× | 0.04× |
| Current ratio | 1.47 | 1.61 | 1.64 | 1.45 | 2.02 |
| Revenue growth | 40.3% | 8.8% | 15.0% | -25.5% | 118.8% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 3,401,541 | $6.0M |
| Point72 Asset Management, L.P. | 503,005 | $885,289 |
Why these scores methodology →
Piotroski F-score: 2/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: -12.26 (distress)
- Working capital / assets 0.183
- Retained earnings / assets -4.23
- EBIT / assets -0.158
- Equity / liabilities 1.329
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001801170 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.