CLOV (Clover Health Investments) ROCE %: 31.54% (As of Mar. 2026)


CLOV Clover Health Investments Corp CLOV
81 GF Score
Price $5.13
GF Value $3.95
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Clover Health Investments ROCE %?

Clover Health Investments CLOV +1.58% 81 ROCE % is 31.54% as of Mar. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Clover Health Investments's annualized ROCE % for the quarter that ended in Mar. 2026 was 31.54%.

Clover Health Investments  (NAS:CLOV) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Clover Health Investments ROCE % Related Terms

Clover Health Investments ROCE % Historical Data

* Premium members only.

The historical data trend for Clover Health Investments's ROCE % can be seen below:

* 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 ROCE % Chart

Clover Health Investments Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROCE %
Get a 7-Day Free Trial -167.60 -53.01 -61.21 -13.67 -24.46

Clover Health Investments Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -1.39 -11.40 -26.38 -56.52 31.54
CLOV
81GF Score
Clover Health Investments Corp CLOV
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Clover Health Investments ROCE % Calculation

Clover Health Investments's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=-85.549/( ( (580.742 - 213.516) + (541.011 - 208.823) )/ 2 )
=-85.549/( (367.226+332.188)/ 2 )
=-85.549/349.707
=-24.46 %

Clover Health Investments's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=109.336/( ( (541.011 - 208.823) + (697.728 - 336.583) )/ 2 )
=109.336/( ( 332.188 + 361.145 )/ 2 )
=109.336/346.6665
=31.54 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 31.54% mean?
Clover Health Investments (CLOV) has a ROCE % of 31.54% as of Mar. 2026.
Is Clover Health Investments' ROCE % too high?
Clover Health Investments' current ROCE % is 31.54%. The Healthcare Plans industry median ROCE % is 9.38. Clover Health Investments' value of 31.54% is 236.2% above this industry median. 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' ROCE % compare to PGNY and ALHC?
Clover Health Investments' ROCE % of 31.54% can be compared against companies in the Healthcare Plans industry. The industry median ROCE % is 9.38. Clover Health Investments' value of 31.54% is 236.2% 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 ROCE % for a Healthcare Plans company?
The median ROCE % among Healthcare Plans companies is 9.38, based on 15 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Clover Health Investments's current ROCE % of 31.54% is 236.2% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Healthcare Plans industry, the median ROCE % is 9.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clover Health Investments's current ROCE % is 31.54%. 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 ROCE % is 31.54% and 236.2% above the Healthcare Plans industry median of 9.38. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Clover Health Investments (CLOV), the current ROCE % is 31.54% 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:

  • ROCE %: 31.54%
  • GF Value™: $3.95 vs. price of $5.13 (29.9% above fair value)
  • GF Score™: 81/100 with 5 warning signs
  • Industry Position: 236.2% above the Healthcare Plans median

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 Business Description

Other Exchanges 7QD:GermanyCLOV34:Brazil
Address 3401 Mallory Lane, Suite 210, Franklin, TN, USA, 37067
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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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.13
Price
$3.95
GF Value