Clover Health InvestmentsCLOV +1.58%81 Current Ratio is 1.33 as of Mar. 2026, which is 14% below its 10-year median of 1.55. GuruFocus rates CLOV with a GF Score™ of 81/100 and a GF Value™ of $3.95 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 15 Healthcare Plans companies, Clover Health Investments ranks worse than 60% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Clover Health Investments's current ratio for the quarter that ended in Mar. 2026 was 1.33.
Clover Health Investments has a current ratio of 1.33. It generally indicates good short-term financial strength.
The historical rank and industry rank for Clover Health Investments's Current Ratio or its related term are showing as below:
CLOV'
s Current Ratio Range Over the Past 10 Years
Min: 1.15 Med: 1.55 Max: 4.68
Current: 1.33
During the past 7 years, Clover Health Investments's highest Current Ratio was 4.68. The lowest was 1.15. And the median was 1.55.
CLOV's Current Ratio is ranked worse than 60% of 15
companies
in the Healthcare Plans industry
Industry Median: 1.34
vs CLOV: 1.33
Clover Health Investments (NAS:CLOV) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Clover Health Investments Current Ratio Related Terms
Clover Health Investments Current Ratio 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.
CLOV vs PGNY, ALHC, PFHO: Current Ratio Comparison
For the Healthcare Plans subindustry, Clover Health Investments's Current Ratio, along with its competitors' market caps and Current Ratio 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 Current Ratio vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Clover Health Investments's Current Ratio distribution charts can be found below:
* The bar in red indicates where Clover Health Investments's Current Ratio falls into.
* 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 (CLOV) has a Current Ratio of 1.33 as of Mar. 2026. This is 14% below median its historical median of 1.55. Over the past decade, Clover Health Investments' Current Ratio has ranged from 1.15 to 4.68. According to the industry distribution chart, Clover Health Investments ranks #9 out of 15 companies in the Healthcare Plans industry, placing it in the top 60%.
Is Clover Health Investments' Current Ratio too high?
Clover Health Investments' current Current Ratio of 1.33 is 14% below median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 1.15 to a high of 4.68. The Healthcare Plans industry median Current Ratio is 1.34. Clover Health Investments' value of 1.33 is 0.7% below this industry median. Based on the distribution chart, Clover Health Investments ranks #9 out of 15 companies in the Healthcare Plans industry, which is below the industry midpoint. Overall, Clover Health Investments has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Clover Health Investments' Current Ratio compare to PGNY and ALHC?
According to the Healthcare Plans industry distribution chart, Clover Health Investments ranks #9 out of 15 companies for Current Ratio. This places Clover Health Investments in the lower half of its industry. The industry median Current Ratio is 1.34. Clover Health Investments' value of 1.33 is 0.7% below this benchmark. Historically, Clover Health Investments' own Current Ratio has ranged from 1.15 to 4.68 over the past decade. While the company's 10-year median is 1.55 vs. the industry median of 1.34, Clover Health Investments has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Healthcare Plans company?
The median Current Ratio among Healthcare Plans companies is 1.34, based on 15 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Clover Health Investments's current Current Ratio of 1.33 is 0.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Healthcare Plans industry, the median Current Ratio is 1.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clover Health Investments's current Current Ratio is 1.33, which is 14% below median its own 10-year median of 1.55. 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 Modestly Overvalued. The stock's GF Value™ is $3.95, compared to a current price of $5.13 — trading 29.9% above its estimated fair value. The current Current Ratio is 1.33, which is 14% below median its 10-year median of 1.55 and 0.7% below the Healthcare Plans industry median of 1.34. Clover Health Investments' overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Clover Health Investments (CLOV), the current Current Ratio is 1.33 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 $5.13 is trading 29.9% above its estimated GF Value™ of $3.95.
GuruFocus considers Clover Health Investments to be Modestly Overvalued.
Key valuation signals for CLOV:
Current Ratio: 1.33 (14% below median its 10-year median of 1.55)
GF Value™: $3.95 vs. price of $5.13 (29.9% above fair value)
Industry Position: 0.7% below the Healthcare Plans median (#9 of 15)
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 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.
81GF Score
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