10-Year Return on Invested Incremental Capital (10-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 10-year.
Clover Health Investments does not have enough data to calculate 10-Year ROIIC %.
Clover Health Investments (NAS:CLOV) 10-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Clover Health Investments 10-Year ROIIC % Related Terms
Clover Health Investments 10-Year ROIIC % 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.
CLOV vs PGNY, ALHC, PFHO: 10-Year ROIIC % Comparison
For the Healthcare Plans subindustry, Clover Health Investments's 10-Year ROIIC %, along with its competitors' market caps and 10-Year ROIIC % 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 10-Year ROIIC % vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Clover Health Investments's 10-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Clover Health Investments's 10-Year ROIIC % falls into.
Clover Health Investments 10-Year ROIIC % Calculation
Clover Health Investments's 10-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
10-Year ROIIC %
=
10-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
10-Year Incremental Invested Capital**
=
( -85.529 (Dec. 2025) - (Dec. 2015) )
/
( 236.48 (Dec. 2025) - (Dec. 2015) )
=
/
=
N/A%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 10-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Clover Health Investments (CLOV) has a 10-Year ROIIC % of -44.91 as of Dec. 2025. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on Clover Health Investments and its competitors. According to the industry distribution chart, Clover Health Investments ranks #14 out of 16 companies in the Healthcare Plans industry, placing it in the top 87.5%.
Is Clover Health Investments' 10-Year ROIIC % too high?
Clover Health Investments' current 10-Year ROIIC % is -44.91. Based on the distribution chart, Clover Health Investments ranks #14 out of 16 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' 10-Year ROIIC % compare to PGNY and ALHC?
According to the Healthcare Plans industry distribution chart, Clover Health Investments ranks #14 out of 16 companies for 10-Year ROIIC %. This places Clover Health Investments in the lower half of its industry. The industry median 10-Year ROIIC % is 2.28. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year ROIIC % for a Healthcare Plans company?
The median 10-Year ROIIC % among Healthcare Plans companies is 2.28, based on 16 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year ROIIC % 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 10-Year ROIIC % mean?
A high 10-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on Clover Health Investments and its competitors. For the Healthcare Plans industry, the median 10-Year ROIIC % is 2.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clover Health Investments's current 10-Year ROIIC % is -44.91. 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 $4.01, compared to a current price of $4.66 — trading 16.1% above its estimated fair value. The current 10-Year ROIIC % is -44.91. Clover Health Investments' overall GF Score™ is 81/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year ROIIC % calculated?
10-Year ROIIC % is calculated from a company's financial statements. For Clover Health Investments (CLOV), the current 10-Year ROIIC % is -44.91 as of Dec. 2025. 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 $4.66 is trading 16.1% above its estimated GF Value™ of $4.01.
GuruFocus considers Clover Health Investments to be Modestly Overvalued.
Key valuation signals for CLOV:
10-Year ROIIC %: -44.91
GF Value™: $4.01 vs. price of $4.66 (16.1% 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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