EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Clover Health Investments's Enterprise Value is R$12,751 Mil.
Clover Health Investments's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was R$273 Mil. Therefore, Clover Health Investments's EV-to-FCF for today is 46.75.
The historical rank and industry rank for Clover Health Investments's EV-to-FCF or its related term are showing as below:
BSP:CLOV34'
s EV-to-FCF Range Over the Past 10 Years
Min: -192.31 Med: -3.01 Max: 64.95
Current: 42.73
During the past 7 years, the highest EV-to-FCF of Clover Health Investments was 64.95. The lowest was -192.31. And the median was -3.01.
BSP:CLOV34's EV-to-FCF is ranked worse than 100% of 17
companies
in the Healthcare Plans industry
Industry Median: 18.38
vs BSP:CLOV34: 42.73
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Clover Health Investments (BSP:CLOV34) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Clover Health Investments's PE Ratio (TTM) for today is calculated as:
Clover Health Investments's share price for today is R$26.19.
Clover Health Investments's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$-0.664.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Clover Health Investments EV-to-FCF Related Terms
Clover Health Investments EV-to-FCF 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.
BSP:CLOV34 vs PGNY, ALHC, PFHO: EV-to-FCF Comparison
For the Healthcare Plans subindustry, Clover Health Investments's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Clover Health Investments's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Clover Health Investments's EV-to-FCF falls into.
Clover Health Investments's current Enterprise Value is R$12,751 Mil.
Clover Health Investments's Free Cash Flow 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 R$273 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.
Clover Health Investments (BSP:CLOV34) has a EV-to-FCF of 46.75 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Clover Health Investments and its competitors. According to the industry distribution chart, Clover Health Investments ranks #17 out of 17 companies in the Healthcare Plans industry.
Is Clover Health Investments' EV-to-FCF too high?
Clover Health Investments' current EV-to-FCF is 46.75. The Healthcare Plans industry median EV-to-FCF is 18.38. Clover Health Investments' value of 46.75 is 154.4% above this industry median. Based on the distribution chart, Clover Health Investments ranks #17 out of 17 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' EV-to-FCF compare to PGNY and ALHC?
According to the Healthcare Plans industry distribution chart, Clover Health Investments ranks #17 out of 17 companies for EV-to-FCF. This places Clover Health Investments in the lower half of its industry. The industry median EV-to-FCF is 18.38. Clover Health Investments' value of 46.75 is 154.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Healthcare Plans company?
The median EV-to-FCF among Healthcare Plans companies is 18.38, based on 17 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Clover Health Investments's current EV-to-FCF of 46.75 is 154.4% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Clover Health Investments and its competitors. For the Healthcare Plans industry, the median EV-to-FCF is 18.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clover Health Investments's current EV-to-FCF is 46.75. 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 EV-to-FCF is 46.75 and 154.4% above the Healthcare Plans industry median of 18.38. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Clover Health Investments (BSP:CLOV34), the current EV-to-FCF is 46.75 as of Jun. 24, 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:
EV-to-FCF: 46.75
GF Value™: R$20.49 vs. price of R$26.19 (27.8% above fair value)
Industry Position: 154.4% above the Healthcare Plans median (#17 of 17)
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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