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Stock Ratings / Health Care / CLOV / insiders
FTRE (32) ACHC (38) PSNL (36) CELC (31) ⌘ Pro Terminal β†’

Clover Health Investments Corp. (Class A) (CLOV) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$4.31 -3.36% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.28

Clover Health Investments Corp. (Class A) (CLOV) carries a Roarable Rating of D- (Sell) with 36/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- β€’ RED ALERT Cap $2.37B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CLOV Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is CLOV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Clover Health Investments Corp. (Class A) (NASDAQ: CLOV) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 36/100 at a spot price of $4.31 (-3.36% 1D, market cap $2.37B). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 3/20. Across 1015 tracked Health Care issuers, CLOV ranks #558 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does CLOV compare to FTRE and ACHC in the Health Care sector?
β–Ό

Within the Health Care sector (Medical Specialities), CLOV carries a Roarable D- (36/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of -29.3%. By comparison, FTRE (Fortrea Holdings Inc.) holds a E grade (32/100 RQD, P/E N/A, ROIC -35.0%, cap $2.05B) and ACHC (Acadia Healthcare Company Inc.) posts a D- grade (38/100 RQD, P/E N/A, ROIC -24.8%, cap $2.79B). Among the 5-stock peer group, CLOV leads on earnings multiple (N/A) while ACHC leads on capital efficiency (-24.8% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CLOV?
β–Ό

Per CLOV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001801170), Clover Health Investments Corp. (Class A) generated $1.92B in revenue (+40.3% YoY), -$85.5M in net income, and -$69.0M in free cash flow against $541.0M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Health Care with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $4.28 (-0.79%)🧬 Dilution Drag (+2.48% YoY Shares)βš™οΈ Cash Engine: 6/20 (E) β€’ 0% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (36/100 Β· D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.3% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERRED ALERT β€’ D-
025507510036
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E Β· Rk D-
Cash (6)Whales (11)SEC (8)Macro (8)CEO (3)
Each axis scored 0–20
12M PRICE TARGET CONE-10% Base Target
$6 Bull$4 Base$3 Bear
πŸ“¬ FREE CLOV RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for CLOV)Realized 20D OHLCV Swing Band: Β±10.2%
Deterministic 5-Pillar Attribution (36/100 Composite)
πŸ” WHY CLOV SCORES 36/100 (D-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Whale & Options Positioning+11/20 pts (31% of score)

20D Institutional Volume Accumulation (Β±10.2% realized swing band)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+8/20 pts (22% of score)

Altman Z-Score 3.62 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 3/9

β–Ό #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.48% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
44
Grade D$4.81-0.2% Next Q
Q2 (-2Q)
41
Grade D$4.80-3.5% Next Q
Q3 (-1Q)
39
Grade E$4.63-6.9% Next Q
Current
36
Grade D-$4.31-8.3% Hist 90D Ξ±
Trajectory: D (44) β†’ D- (36)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a CLOV Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While CLOV currently carries a cautious 36/100 (D-) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Health Care with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($4.52) and Max Pain ($4.53) forces dealer call-delta covering toward $5.87.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.48% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CLOVβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œCLOV Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 36%NO 64%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

CLOV Smart-Money Thermometer: NET EXECUTIVE TRIMMING / PROFIT-TAKING

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CLOV)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CLOV. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CLOV)

  • βœ“Walkthrough of CLOV's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CLOV // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +62.64%πŸ›‘οΈ HOLDING TREND SUPPORT
2026-11-03O $4.58H $4.58L $4.31C $4.31VOL 4.65M
RES: $5.22SUP: $4.18SMA50: $4.52SMA200: $3.56
$5.84$4.82$3.80$2.78$1.76RES $5.22SUP $4.18$4.312026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CLOV Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ CLOV Butterfly Map β†’ + Track CLOV β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +40.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CLOV today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for CLOV. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CLOV today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CLOV)

Health Care Rank #558 of 1015 βš”οΈ FTRE vs CLOV Full Matrix β†’

1. Head-to-Head Health Care Peer Comparison (CLOV vs. FTRE, ACHC, PSNL, CELC)

Industry: Medical Specialities (41 Tracked Issuers)

Across 1015 tracked Health Care securities in the Roarable RQD universe, Clover Health Investments Corp. (Class A) (CLOV) ranks #558 by composite RQD confidence (36/100, grade D-) and #224 by equity capitalization ($2.37B). Within this direct 5-issuer industry benchmark cohort, CLOV leads on earnings valuation at N/A trailing P/E, while ACHC leads on capital efficiency and profitability with -24.8% ROIC and β€” gross margin. ACHC currently holds the highest overall quantitative score in the immediate peer group at 38/100 (D-) compared with CLOV at 36/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CLOV ACTIVE
Clover Health Investments Corp. (Class A)
D- 36/100 β€” β€” -29.3% -3.36% $2.37B Benchmark Subject
FTRE
Fortrea Holdings Inc.
E 32/100 β€” β€” -35.0% -5.96% $2.05B /ftre-vs-clov β†’
ACHC
Acadia Healthcare Company Inc.
D- 38/100 β€” β€” -24.8% -1.13% $2.79B /achc-vs-clov β†’
PSNL
Personalis Inc.
D- 36/100 β€” 22.7% -35.0% -0.38% $1.69B /psnl-vs-clov β†’
CELC
Celcuity Inc.
E 31/100 β€” β€” -35.0% -2.98% $3.38B /celc-vs-clov β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001801170 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Clover Health Investments Corp. (Class A) (CLOV) reported GAAP revenue of $1.92B (+40.3% vs. FY2024 revenue of $1.37B , and +52.7% cumulative change since FY2023) , GAAP net income of -$85.5M, operating cash flow of -$66.9M, and free cash flow of -$69.0M (-307.2% YoY). On the balance sheet, CLOV closed FY2025 with $541.0M in total assets against $0 in total debt (Altman Z-Score: 3.62, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.92B -$85.5M -$66.9M -$69.0M $541.0M β€”
FY2024 (FY) 2024-12-31 $1.37B -$43.0M $34.8M $33.3M $580.7M β€”
FY2023 (FY) 2023-12-31 $1.26B -$213.4M -$144.7M -$144.7M β€” β€”

3. CLOV Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CLOV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Clover Health Investments Corp. (Class A) (NASDAQ: CLOV) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 36/100 at a spot price of $4.31 (-3.36% 1D, market cap $2.37B). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 3/20. Across 1015 tracked Health Care issuers, CLOV ranks #558 in composite RQD confidence.

How does CLOV compare to FTRE and ACHC in the Health Care sector?

Within the Health Care sector (Medical Specialities), CLOV carries a Roarable D- (36/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of -29.3%. By comparison, FTRE (Fortrea Holdings Inc.) holds a E grade (32/100 RQD, P/E N/A, ROIC -35.0%, cap $2.05B) and ACHC (Acadia Healthcare Company Inc.) posts a D- grade (38/100 RQD, P/E N/A, ROIC -24.8%, cap $2.79B). Among the 5-stock peer group, CLOV leads on earnings multiple (N/A) while ACHC leads on capital efficiency (-24.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CLOV?

Per CLOV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001801170), Clover Health Investments Corp. (Class A) generated $1.92B in revenue (+40.3% YoY), -$85.5M in net income, and -$69.0M in free cash flow against $541.0M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Health Care with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CLOV trading relative to its 50-day, 200-day, and 52-week technical levels?

CLOV last traded at $4.31 (-3.36% on volume of 5,005,280 shares), positioning the stock -4.65% below its 50-day simple moving average ($4.52) and +21.07% above its 200-day simple moving average ($3.56). Across its 52-week range of $1.58 to $5.59, CLOV sits at the 68.1% percentile with a 14-day RSI of 45.7 (NEUTRAL RANGE) and an implied next-earnings move of Β±10.2% ($3.87 to $4.75).

Direct Sub-Reports: CLOV RQD Cockpit CLOV 12M Forecast CLOV Earnings & Move CLOV Dividends & DRIP CLOV Insiders & 13F CLOV Whale Options CLOV Profit Sankey CLOV News & Why
ROARABLE RATING BRIEF β€’ RQD 36/100 (D-) βœ“ SEC XBRL & RQD VERIFIED

CLOV β€” Clover Health Investments Corp. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Clover Health Investments Corp. (Class A) (CLOV) earns a live Roarable RQD composite score of 36/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $4.31 (-3.36% 1D, market capitalization $2.37B).

  • Fundamental Cash Engine (6/20): Anchored by return on invested capital (ROIC) of -29.3%, gross margin of β€”, operating margin of -4.4%, and free cash flow yield of -2.84%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (3/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (8/20): Incorporates a 1.00x equity beta, Altman Z-Score of 3.62, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Clover Health Investments Corp. (Class A) is classified in the Health Care sector and Medical Specialities industry, listed on NASDAQ under the ticker CLOV. β€” for product detail, customer base, or revenue mechanics beyond sector classification.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Clover Health Investments Corp. (Class A) (CLOV) reported $1.92B in annual revenue (up from $1.37B in FY2024, +40.3% YoY) and -$85.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.26B revenue, -$213.4M net income) through FY2025, CLOV scaled operating cash flow to -$66.9M and free cash flow to -$69.0M, backed by $541.0M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D- β€’ RQD 36/100): Established market leader in Health Care with deep daily trading liquidity. Free cash flow yield of -2.84% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 6/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $1.58 – $5.59 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -4.4% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector correlation data is not provided beyond the Health Care / Medical Specialities classification.

  • Key Question #1: Can CLOV sustain or expand its -4.4% operating margin and -29.3% ROIC against Medical Specialities peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.92B and free cash flow of -$69.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CLOV's equity valuation to Health Care capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CLOV Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Clover Health Investments Corp. (Class A) (CLOV) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to CLOV Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CLOV Bull vs. Bear Conversation Board β€” What's Your Call at $4.31?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CLOV 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CLOV:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER β€’ Institutional Buy-Side πŸ‚ BULLISH 🎯 Target: $5.58 (+25.1%)
πŸ“Œ Pinned Debate

Multiple 5-star Medicare and PPO CMS ratings for 2027 are generating positive news flow and a reported 9.4% stock gain.

Don't sleep on CLOV's setup in Health Care. Multiple 5-star Medicare and PPO CMS ratings for 2027 are generating positive news flow and a reported 9.4% stock gain.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (36/100) backs up the fundamental quality.

SectorRotator πŸ‚ BULL

@DeepValue_CFA Agree on the RQD 36/100 quality, though with 1.0 beta I'm scaling in with half-size at $4.46 and keeping dry powder in case we test $4.15.

BE BearTrap_Alert RQD DEBATE OPENER β€’ Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $3.52 (-21.1%)
Spot @ $4.46

Negative ROIC of -29.3%, negative FY 2025 FCF of -$69.0M, and an RQD score of 38 with a D- grade signal weak cash generation.

Here is the bear case nobody on the bull side wants to address on CLOV: Negative ROIC of -29.3%, negative FY 2025 FCF of -$69.0M, and an RQD score of 38 with a D- grade signal weak cash generation.. At current EV/EBITDA multiples, even a small guidance miss in Medical Specialities triggers a 12-15% air pocket.

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