CLOV (Clover Health Investments) Change In Receivables: $-64 Mil (TTM As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CLOV Clover Health Investments Corp CLOV
83 GF Score
Price $4.32
GF Value $4.07
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Clover Health Investments Change In Receivables?

Clover Health Investments CLOV -4.85% 83 Change In Receivables is $-64 Mil as of Mar. 2026. GuruFocus rates CLOV with a GF Score™ of 83/100 and a GF Value™ of $4.07 (Fairly Valued). The stock has 3 warning signs investors should review.

Clover Health Investments's change in receivables for the quarter that ended in Mar. 2026 was $-44 Mil. It means Clover Health Investments's Accounts Receivable increased by $44 Mil from Dec. 2025 to Mar. 2026 .

Clover Health Investments's change in receivables for the fiscal year that ended in Dec. 2025 was $-66 Mil. It means Clover Health Investments's Accounts Receivable increased by $66 Mil from Dec. 2024 to Dec. 2025 .

Clover Health Investments's Accounts Receivable for the quarter that ended in Mar. 2026 was $0 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Clover Health Investments's Days Sales Outstanding for the three months ended in Mar. 2026 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Clover Health Investments's liquidation value for the three months ended in Mar. 2026 was $-155 Mil.


Clover Health Investments  (NAS:CLOV) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Clover Health Investments's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/749.189*91
=0.00

2. In Ben Graham's calculation of liquidation value, Clover Health Investments's accounts receivable are only considered to be worth 75% of book value:

Clover Health Investments's liquidation value for the quarter that ended in Mar. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=203.543-358.302+0.75 * 0+0.5 * 0
=-155

* 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 Change In Receivables Related Terms


Clover Health Investments Change In Receivables Historical Data

* Premium members only.

The historical data trend for Clover Health Investments's Change In Receivables can be seen below:

* 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 Change In Receivables Chart

Clover Health Investments Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial -24.57 -8.03 4.75 -6.55 -65.95

Clover Health Investments Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Change In Receivables Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -45.46 6.91 27.84 -55.23 -43.95
CLOV
83GF Score
Clover Health Investments Corp CLOV
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Clover Health Investments Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-64 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $-64 Mil mean?
Clover Health Investments (CLOV) has a Change In Receivables of $-64 Mil as of Mar. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Clover Health Investments and its competitors.
Is Clover Health Investments' Change In Receivables too high?
Clover Health Investments' current Change In Receivables is $-64 Mil. Overall, Clover Health Investments has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Clover Health Investments' Change In Receivables compare to PGNY and ALHC?
Clover Health Investments' Change In Receivables of $-64 Mil can be compared against companies in the Healthcare Plans industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Healthcare Plans company?
A good Change In Receivables depends on the Healthcare Plans industry context. However, Change In Receivables 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 Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Clover Health Investments and its competitors. Clover Health Investments's current Change In Receivables is $-64 Mil. 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 (CLOV) is currently considered Fairly Valued. The stock's GF Value™ is $4.07, compared to a current price of $4.32 — trading 6.1% above its estimated fair value. The current Change In Receivables is $-64 Mil. Clover Health Investments' overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Clover Health Investments (CLOV), the current Change In Receivables is $-64 Mil 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 (CLOV) Overvalued in 2026?

Based on GuruFocus' analysis, Clover Health Investments stock appears to be overvalued. The current stock price of $4.32 is trading 6.1% above its estimated GF Value™ of $4.07. GuruFocus considers Clover Health Investments to be Fairly Valued.

Key valuation signals for CLOV:

  • Change In Receivables: $-64 Mil
  • GF Value™: $4.07 vs. price of $4.32 (6.1% above fair value)
  • GF Score™: 83/100 with 3 warning signs

No single metric tells the full story. See the CLOV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Clover Health Investments Business Description

Other Exchanges 7QD:GermanyCLOV34:Brazil
Address 3401 Mallory Lane, Suite 210, Franklin, TN, USA, 37067
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.
83GF Score

Get the complete analysis for CLOV

Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.32
Price
$4.07
GF Value