Clover Health InvestmentsCLOV +1.58%81 Quick 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.
Clover Health Investments has a quick ratio of 1.33. It generally indicates good short-term financial strength.
The historical rank and industry rank for Clover Health Investments's Quick Ratio or its related term are showing as below:
CLOV'
s Quick 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 Quick Ratio was 4.68. The lowest was 1.15. And the median was 1.55.
CLOV's Quick 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) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Clover Health Investments Quick Ratio Related Terms
Clover Health Investments Quick 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.
For the Healthcare Plans subindustry, Clover Health Investments's Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Clover Health Investments's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Clover Health Investments's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Clover Health Investments's Quick Ratio 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 (CLOV) has a Quick Ratio of 1.33 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Clover Health Investments and its competitors. This is 14% below median its historical median of 1.55. Over the past decade, Clover Health Investments' Quick 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' Quick Ratio too high?
Clover Health Investments' current Quick 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 Quick 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' Quick Ratio compare to PGNY and ALHC?
According to the Healthcare Plans industry distribution chart, Clover Health Investments ranks #9 out of 15 companies for Quick Ratio. This places Clover Health Investments in the lower half of its industry. The industry median Quick Ratio is 1.34. Clover Health Investments' value of 1.33 is 0.7% below this benchmark. Historically, Clover Health Investments' own Quick 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 Quick Ratio for a Healthcare Plans company?
The median Quick Ratio among Healthcare Plans companies is 1.34, based on 15 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Clover Health Investments's current Quick 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Clover Health Investments and its competitors. For the Healthcare Plans industry, the median Quick 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 Quick 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 Quick 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Clover Health Investments (CLOV), the current Quick 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:
Quick 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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