Clover Health Investments's Days Sales Outstanding for the
three
months ended in Mar. 2026 was 0.
Clover Health Investments's Days Inventory for the
three
months ended in Mar. 2026 was 0.
Clover Health Investments's Days Payable for the
three
months ended in Mar. 2026 was 5.95.
Therefore, Clover Health Investments's Cash Conversion Cycle (CCC) for the
three
months ended in Mar. 2026 was -5.95.
Clover Health Investments (BSP:CLOV34) Cash Conversion Cycle Explanation
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
Clover Health Investments Cash Conversion Cycle Related Terms
Clover Health Investments Cash Conversion Cycle Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Clover Health Investments Cash Conversion Cycle Chart
BSP:CLOV34 vs PGNY, ALHC, PFHO: Cash Conversion Cycle Comparison
For the Healthcare Plans subindustry, Clover Health Investments's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Clover Health Investments Cash Conversion Cycle vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Clover Health Investments's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where Clover Health Investments's Cash Conversion Cycle falls into.
Clover Health Investments Cash Conversion Cycle Calculation
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
Clover Health Investments's Cash Conversion Cycle for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Clover Health Investments (BSP:CLOV34) has a Cash Conversion Cycle of -5.95 as of Mar. 2026. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Clover Health Investments and its competitors.
Is Clover Health Investments' Cash Conversion Cycle too high?
Clover Health Investments' current Cash Conversion Cycle is -5.95. Overall, Clover Health Investments has a GF Score™ of 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Clover Health Investments' Cash Conversion Cycle compare to PGNY and ALHC?
Clover Health Investments' Cash Conversion Cycle of -5.95 can be compared against companies in the Healthcare Plans industry. The industry median Cash Conversion Cycle is 18.94. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Healthcare Plans company?
The median Cash Conversion Cycle among Healthcare Plans companies is 18.94, based on 15 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Clover Health Investments and its competitors. For the Healthcare Plans industry, the median Cash Conversion Cycle is 18.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clover Health Investments's current Cash Conversion Cycle is -5.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clover Health Investments stock overvalued right now?
Based on GuruFocus' analysis, Clover Health Investments (BSP:CLOV34) is currently considered Modestly Overvalued. The stock's GF Value™ is R$20.49, compared to a current price of R$26.19 — trading 27.8% above its estimated fair value. The current Cash Conversion Cycle is -5.95. Clover Health Investments' overall GF Score™ is 48/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For Clover Health Investments (BSP:CLOV34), the current Cash Conversion Cycle is -5.95 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Clover Health Investments (BSP:CLOV34) Overvalued in 2026?
Based on GuruFocus' analysis, Clover Health Investments stock appears to be overvalued.
The current stock price of R$26.19 is trading 27.8% above its estimated GF Value™ of R$20.49.
GuruFocus considers Clover Health Investments to be Modestly Overvalued.
Key valuation signals for BSP:CLOV34:
Cash Conversion Cycle: -5.95
GF Value™: R$20.49 vs. price of R$26.19 (27.8% above fair value)
No single metric tells the full story. See the BSP:CLOV34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Clover Health Investments Corp is a healthcare technology company. It focuses on empowering Medicare physicians to proactively manage chronic diseases through its proprietary software platform, Clover Assistant. This cloud-based solution provides personalized insights to physicians, enabling early detection and management of chronic conditions. It operates in one segment: Insurance, through which it offers PPO and HMO plans to Medicare Advantage members in several states.
48GF Score
Get the complete analysis for BSP:CLOV34
Cash Conversion Cycle is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:CLOV34 has been successfully added to your 
