CLOV
ACCE-researchedOverview
ACCE thesis
Clover Health runs a Medicare Advantage insurance plan alongside its proprietary Clover Assistant platform, a data analytics tool that pushes real-time clinical guidance to primary care physicians managing high-risk members. The competitive angle here isn't the insurance product itself - it's that Clover Assistant now operates as a standalone SaaS-like offering through the Direct Contracting/ACO REACH program, letting Clover monetize its technology without bearing full insurance risk. Revenue grew 62% last year, driven by membership expansion and ACO REACH lives under management, and the path to sustained profitability hinges on whether medical loss ratios continue tightening as the platform matures. At a $1.8B market cap with an operating margin that just crossed into positive territory at 3.6%, the market is pricing in execution risk on a business that's still burning capital and carries a -16.9% ROE. The thesis lives or dies on whether Clover Assistant drives measurably better health outcomes that compress claims costs - the 2024 Star Ratings and ACO REACH benchmark settlements will be the clearest read on that question.
Walk me through this stock
Plain-English pros, cons, and what to watch. Pro feature.
Price
Valuation
INVESTORSix independent models converge on one confidence-weighted fair value, with full methodology and editable assumptions.
- +All six models: DCF, P/E and EV/EBITDA comps, Graham, dividend discount, residual income
- +Scenario bands, sensitivity tornado, and the 5-year historical valuation range
- +Editable DCF workbench with saved scenarios
Quality
INVESTORThe full quality picture: conviction breakdown, earnings quality, score history, and backtested returns.
- +Conviction score breakdown and earnings-quality grade
- +Growth / value / quality / momentum component scores
- +90-day score history and score-threshold backtests
Analysts
Wall Street consensus
The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.
- +Price-target low / average / high vs the current price, with implied upside
- +Forward revenue and EPS consensus by fiscal year
- +ACCE fair-value models lined up against the Street
Smart Money
PROFollow the institutions: 13F position changes, insider trades, and active 13D activist filings.
- +Quarter-over-quarter institutional position changes
- +Recent open-market insider transactions
- +Active 13D activist filings and top holders
Compare
Where it sits vs peers
Algorithmic peers (6)
| Ticker | Company | Mcap | P/E | ROE | D/E | Yield | Quality | |
|---|---|---|---|---|---|---|---|---|
| PGNY | Progyny Inc. Common Stock | $2.1B | 29.2 | 16.2% | 0.01 | 0.0% | - | Compare |
| ALHC | Alignment Healthcare Inc. Common Stock | $1.7B | 43.8 | 20.0% | 1.81 | 0.0% | - | Compare |
| OSCR | Oscar Health Inc. Class A Common Stock | $9.7B | 24.1 | 34.3% | 0.44 | 0.0% | - | Compare |
| MOH | Molina Healthcare Inc Common Stock | $10.3B | 1236.3 | -0.2% | 0.93 | 0.0% | - | Compare |
| CNC | Centene Corporation Common Stock | $32.1B | - | -20.4% | 0.87 | 0.0% | - | Compare |
| HUM | Humana Inc. Common Stock | $45.5B | 35.8 | 6.9% | 0.70 | 0.9% | - | Compare |
Sector report card
Where CLOV ranks against its sector peers on each metric.
News and Record
Press releases mentioning this company
- GlobeNewswire•Aug 31, 2026Clover Health to Participate in Upcoming Investor Conferences
- GlobeNewswire•Jul 9, 2026Clover Health to Report Second Quarter 2026 Financial Results on August 5, 2026
- GlobeNewswire•Jul 7, 2026Clinical Excellence in Continuity of Care: Counterpart Assistant (CA) Use Associated With Stronger Performance Across Transitions of Care Measures and Post-Hospitalization Follow-Up
Ask anything, Pro feature
Ask questions about this stock in plain language. Answered from company fundamentals + recent valuations.