Clover Health InvestmentsCLOV +1.58%81 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 10,000.00. 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 better than 93.33% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Clover Health Investments's
Operating Income
for the
three
months ended in Mar. 2026 was $27 Mil. Clover Health Investments's Interest Expense for the
three
months ended in Mar. 2026 was $0 Mil.
Clover Health Investments has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Clover Health Investments Corp has no debt.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Clover Health Investments's Interest Coverage or its related term are showing as below:
CLOV'
s Interest Coverage Range Over the Past 10 Years
Min: No Debt Med: No Debt Max: No Debt
Current: No Debt
CLOV's Interest Coverage is ranked better than 93.33% of 15
companies
in the Healthcare Plans industry
Industry Median: 4.55
vs CLOV: No Debt
Clover Health Investments (NAS:CLOV) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Clover Health Investments Interest Coverage Related Terms
Clover Health Investments Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
CLOV vs PGNY, ALHC, PFHO: Interest Coverage Comparison
For the Healthcare Plans subindustry, Clover Health Investments's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Clover Health Investments's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Clover Health Investments's Interest Coverage falls into.
Clover Health Investments Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Clover Health Investments (CLOV) has a Interest Coverage of No Debt (1) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Clover Health Investments and its competitors. This is 100% below median its historical median of 10,000.00. Over the past decade, Clover Health Investments' Interest Coverage has ranged from 10,000.00 to 10,000.00. According to the industry distribution chart, Clover Health Investments ranks #1 out of 15 companies in the Healthcare Plans industry, placing it in the top 6.7%.
Is Clover Health Investments' Interest Coverage too high?
Clover Health Investments' current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 10,000.00 to a high of 10,000.00. Based on the distribution chart, Clover Health Investments ranks #1 out of 15 companies in the Healthcare Plans industry, which is in the top quartile — a strong position 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' Interest Coverage compare to PGNY and ALHC?
According to the Healthcare Plans industry distribution chart, Clover Health Investments ranks #1 out of 15 companies for Interest Coverage. This places Clover Health Investments in the top 7% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 4.55. Historically, Clover Health Investments' own Interest Coverage has ranged from 10,000.00 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Healthcare Plans company?
The median Interest Coverage among Healthcare Plans companies is 4.55, based on 15 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Clover Health Investments and its competitors. For the Healthcare Plans industry, the median Interest Coverage is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clover Health Investments's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. 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 Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 10,000.00. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Clover Health Investments (CLOV), the current Interest Coverage is No Debt (1) 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:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: $3.95 vs. price of $5.13 (29.9% above fair value)
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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