Clover Health InvestmentsBSP:CLOV34 48 Days Payable is 5.95 as of Mar. 2026, which is 50% below its 10-year median of 11.89. GuruFocus rates BSP:CLOV34 with a GF Score™ of 48/100 and a GF Value™ of R$20.49 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 13 Healthcare Plans companies, Clover Health Investments ranks worse than 100% on this metric.
* 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.
BSP:CLOV34 vs PGNY, ALHC, PFHO: Days Payable Comparison
For the Healthcare Plans subindustry, Clover Health Investments's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Clover Health Investments's Days Payable distribution charts can be found below:
* The bar in red indicates where Clover Health Investments's Days Payable falls into.
Clover Health Investments Days Payable Calculation
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Clover Health Investments's Days Payable 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 Days Payable of 5.95 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Clover Health Investments and its competitors. This is 50% below median its historical median of 11.89. Over the past decade, Clover Health Investments' Days Payable has ranged from 6.92 to 18.97. According to the industry distribution chart, Clover Health Investments ranks #13 out of 13 companies in the Healthcare Plans industry.
Is Clover Health Investments' Days Payable too high?
Clover Health Investments' current Days Payable of 5.95 is 50% below median its 10-year median of 11.89. Over the past 10 years, this metric has ranged from a low of 6.92 to a high of 18.97. The Healthcare Plans industry median Days Payable is 38.89. Clover Health Investments' value of 5.95 is 84.7% below this industry median. Based on the distribution chart, Clover Health Investments ranks #13 out of 13 companies in the Healthcare Plans industry, which is in the bottom quartile relative to peers. 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' Days Payable compare to PGNY and ALHC?
According to the Healthcare Plans industry distribution chart, Clover Health Investments ranks #13 out of 13 companies for Days Payable. This places Clover Health Investments in the lower half of its industry. The industry median Days Payable is 38.89. Clover Health Investments' value of 5.95 is 84.7% below this benchmark. Historically, Clover Health Investments' own Days Payable has ranged from 6.92 to 18.97 over the past decade. While the company's 10-year median is 11.89 vs. the industry median of 38.89, 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 Days Payable for a Healthcare Plans company?
The median Days Payable among Healthcare Plans companies is 38.89, based on 13 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Clover Health Investments's current Days Payable of 5.95 is 84.7% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Clover Health Investments and its competitors. For the Healthcare Plans industry, the median Days Payable is 38.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clover Health Investments's current Days Payable is 5.95, which is 50% below median its own 10-year median of 11.89. 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 Days Payable is 5.95, which is 50% below median its 10-year median of 11.89 and 84.7% below the Healthcare Plans industry median of 38.89. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Clover Health Investments (BSP:CLOV34), the current Days Payable 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:
Days Payable: 5.95 (50% below median its 10-year median of 11.89)
GF Value™: R$20.49 vs. price of R$26.19 (27.8% above fair value)
Industry Position: 84.7% below the Healthcare Plans median (#13 of 13)
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
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