* 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.
For the Healthcare Plans subindustry, Clover Health Investments's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Clover Health Investments's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Clover Health Investments's FCF Margin % 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 FCF Margin % of 14.29% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Clover Health Investments and its competitors. According to the industry distribution chart, Clover Health Investments ranks #14 out of 18 companies in the Healthcare Plans industry, placing it in the top 77.8%.
Is Clover Health Investments' FCF Margin % too high?
Clover Health Investments' current FCF Margin % is 14.29%. The Healthcare Plans industry median FCF Margin % is 4.09. Clover Health Investments' value of 14.29% is 249.4% above this industry median. Based on the distribution chart, Clover Health Investments ranks #14 out of 18 companies in the Healthcare Plans industry, which is in the bottom quartile relative to peers. 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' FCF Margin % compare to PGNY and ALHC?
According to the Healthcare Plans industry distribution chart, Clover Health Investments ranks #14 out of 18 companies for FCF Margin %. This places Clover Health Investments in the lower half of its industry. The industry median FCF Margin % is 4.09. Clover Health Investments' value of 14.29% is 249.4% 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 FCF Margin % for a Healthcare Plans company?
The median FCF Margin % among Healthcare Plans companies is 4.09, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Clover Health Investments's current FCF Margin % of 14.29% is 249.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Clover Health Investments and its competitors. For the Healthcare Plans industry, the median FCF Margin % is 4.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clover Health Investments's current FCF Margin % is 14.29%. 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 FCF Margin % is 14.29% and 249.4% above the Healthcare Plans industry median of 4.09. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Clover Health Investments (CLOV), the current FCF Margin % is 14.29% 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:
FCF Margin %: 14.29%
GF Value™: $3.95 vs. price of $5.13 (29.9% above fair value)
Industry Position: 249.4% above the Healthcare Plans median (#14 of 18)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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