Clover Health Investments 2026 Outlook | Profits, Share Price & Analysis

Clover Health Invest...

NasdaqGS:CLOV

$ 1,93

+ $0,02 (1,05%)

1,93 $

+$0,02 (1,05%)

End-of-day quote: 04/10/2026

Clover Health Investments Stock Value

Analysts currently see NasdaqGS:CLOV at the level of Outperform.

Outperform

Clover Health Investments Company Info

EPS Growth 5Y

58,98%

Market Cap

$1,01 B

Long-Term Debt

$0,02 B

Short Interest

8,13%

Quarterly earnings

05/06/2026

Dividend

$0,00

Dividend Yield

0,00%

Founded

Data Unavailable

Industry

Health Care

Country

United States

ISIN Number

US18914F1030

Website

http://www.cloverhealth.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$2,75

42.49%

Last Update: 04/11/2026

Analysts: 3

Highest Price Target $3,20

Average Price Target $2,75

Lowest Price Target $2,50

In the last five quarters, Clover Health Investments’s Price Target has risen from $3,20 to $3,75 - a 17,19% increase. Two analysts predict that Clover Health Investments’s share price will increase in the coming year, reaching $2,75. This would represent an increase of 42,49%.

Top growth stocks in the health care sector (5Y.)

What does Clover Health Investments do?

Clover Health Investments, Corp. and its affiliates and subsidiaries (Clover) is focused on empowering physicians to identify, manage, and treat chronic diseases early. The company’s strategy is to improve the care of its Medicare beneficiaries, develop wide physician networks, and provide technology to help empower physicians. The company’s proprietary software platform, Clover Assistant (licensed externally as Counterpart Assistant) helps it execute this strategy by enabling physicians to det...

Clover Health Investments, Corp. and its affiliates and subsidiaries (Clover) is focused on empowering physicians to identify, manage, and treat chronic diseases early.

The company’s strategy is to improve the care of its Medicare beneficiaries, develop wide physician networks, and provide technology to help empower physicians. The company’s proprietary software platform, Clover Assistant (licensed externally as Counterpart Assistant) helps it execute this strategy by enabling physicians to detect, identify, and manage chronic diseases better than they otherwise could. This technology is a cloud-based software platform, that curates medical records from over 100 data sources and provides physicians with access to data-driven insights and personalized care recommendations for the patients.

The company's use of Clover Assistant enables data-driven clinical decision-making that benefits its members and drives rapid software iteration: the more that providers use Clover Assistant, the more it learns and enhances the precision of personalized data-driven recommendations. The company combines its beneficiary data with provider-generated data and uses this powerful closed feedback loop to continuously fine-tune its proprietary clinical rules and machine learning models, as well as to select and prioritize future software capabilities. The platform facilitates identifying and engaging with the company’s most at-risk members for its clinical programs. These programs are designed to provide additional targeted care support and to further drive better plan performance.

The company leverages Clover Assistant in its Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) plans. It intends to provide affordable, high-quality healthcare and offers most of its members, referred to as members, in its Medicare Advantage (MA) plans among the lowest average out-of-pocket costs for primary care provider (PCP) and specialist co-pays in their respective markets. The company believes in providing its members with provider choice and considers its PPO plans to be its flagship insurance product. An important feature of its MA product is its wide physician network. The company often offers the same cost-sharing (co-pays and deductibles) for visits with primary care providers who are in-network and out-of-network. The company manages care in its wide network by empowering providers with intuitive data-driven, personalized insights for their patients, its members, using Clover Assistant. It reaches a broad array of consumers, including traditionally underserved markets. On January 1, 2025, the company operated its MA plans in five states and 200 counties.

The company complements its wide-network physicians and their patients with the company’s longitudinal home-based primary care program for its highest acuity members, Clover Home Care, powered by Clover Assistant. This program covers the most medically complex patients, often with advanced comorbidities. The company permits technology deployment to enhance care and outcomes directly where patients live because the company’s value proposition is centered around software. Clover Home Care seeks to preserve the PCP-to-patient relationship through collaboration, which aims to improve health outcomes and reduce medical expenses.

The company has made it a priority to work with Medicare beneficiaries in underserved markets. This includes MA members diagnosed with at least two chronic diseases, as well as members living in communities that fall within the top five deciles of what the government defines as areas of socioeconomic deprivation. The company is heavily invested in helping provide care for those who are most in need.

During 2024, the company launched Counterpart Health, Inc., a new Software-as-a-Service (‘SaaS’) and Tech Enabled Services Solution to bring the power of Clover Assistant technology to external payors and providers serving the Medicare eligible population. This external offering intends to equip clinician users with the company's already built, clinician-centric, and AI-powered care management platform. Strategically, Counterpart Health, Inc., a subsidiary of Clover Health, aims to extend the benefits of data-driven proven technology and personalized care to a wider audience, enabling enhanced patient outcomes and reduced healthcare costs across the nation. Counterpart Health is complementary to Clover Health and enables the company to deploy and expand the reach of its existing technology asset for new potential growth and high margin business opportunities, with low startup costs. Unless the context otherwise provides, references to Clover Assistant in this report also refer to Counterpart Assistant, as applicable.

The company has one reportable segment: Insurance. The Insurance segment provides PPO and HMO plans to Medicare Advantage members in several states.

Strategy

The company has centered its strategy on building and deploying technology through its flagship software platform, Clover Assistant, to help America's seniors receive better care at lower costs.

Clover Assistant Architecture

Clover Assistant is a differentiated, scalable platform that is able to combine data synthesis and insight generation to provide unique and actionable insights to providers. Clover Assistant platform synthesizes comprehensive, longitudinal sets of data, generates clinically focused machine learning, artificial intelligence, and rules-based insights, and drives action by surfacing the most relevant, personalized information to providers designed to assist them in the early identification and management of disease. The company’s platform's excellence is centered on this three-pronged approach:

Synthesis

Because it is developed by a health plan, Clover Assistant is uniquely positioned in its ability to directly access broad sets of personalized, longitudinal data unlike platforms developed by pure technology providers, which operate at an arm's length to data, or platforms operated by verticalized healthcare companies, which generally can access data only in their own narrow ecosystems. The company’s data platform is designed to interoperate with a broad variety of other healthcare data sources, collecting and transferring data via Application Programming Interfaces (‘APIs’), flat files, or even paper documents.

Clover

Assistant's data synthesis layer ingests and structures millions of data points per day, derived from a variety of data sets, such as claims data, medical charts, medication data, diagnostic data, and EHR-generated data, across dozens of typically siloed and inconsistently formatted data feeds.

Insight

Given the massive depth, breadth, and volume of data that the company collects, it is critical to leverage technology to perform intelligent analytics. Analyzing this amount of data in real-time is very complex for any provider, but the company has advanced its technology to perform these analytics in real-time. Its insight engine applies a combination of advanced machine learning and clinically driven business rules to curate actionable insights for providers.

The company's data scientists work in conjunction with providers to continually enhance its insight engine. It identifies and targets specific clinical problems, then seeks to solve these problems with expert systems, combining the latest clinical and evidence-based research with machine learning-based insights.

Action

Clover Assistant provides real time, personalized, and actionable insights to help healthcare providers to make better decisions and identify, treat, and manage diseases early.

These three aspects of Clover Assistant—Synthesis, Insight, and Action—form a self-contained software improvement virtuous cycle. As providers act based on the company's data insights, it receives rich feedback data in real-time. The company then inputs this data back into its data and insight layers, creating a loop of bi-directional information exchange.

Across all three prongs of its platform, Clover Assistant is designed to ensure data integrity and security to protect its users' and patients' information, identities, and privacy. As such, the company has invested significantly in data protection and has in place strict data protection protocols. Clover has policies designed to ensure compliance with guidelines promulgated pursuant to the Health Insurance Portability and Accountability Act of 1996 (HIPAA), and all data in transit and at rest are encrypted. Data transfers, including API calls to and from third parties, are authenticated via password, token, or two-way multiple transport layer security. The company discourages and minimizes local data storage as a deterrent against physical device and data loss. Clover Assistant data is stored in the cloud, with backups across Amazon Web Services and the Google Cloud Platform and is secured by centralized identity access and management.

Additional Products Built on Clover Assistant Platform

Clover Assistant is designed to be scalable across a myriad of use cases. The platform is designed to surface the most relevant information for a specific context so that any users of the platform can make more informed decisions at the most actionable opportunity available. Use cases include:

Office/virtual visits: Clover Assistant empowers providers by recommending personalized, evidence-based medications, providing reminders of timely discussion topics and treatment, enabling requests for patient data and orders for tests or screening kits and identifies potential undiagnosed conditions based on clinical evidence. The company’s software makes these features available for in-person visits or through telemedicine solutions.

Office staff: Through its Care Connect feature and embedded analytics, Clover Assistant empowers office staff by identifying patients due for a visit, flagging beneficiaries recently discharged from the hospital, and noting potentially beneficial screenings and follow-ups.

In-home visits: Clover Assistant empowers physicians and other providers who operate outside of clinical settings, offices, or hospitals. It supports, for example, the company’s in-home primary care program enabling lengthy interactions for its lives under Clover management with the most advanced illnesses or complex conditions. The company also supports in-home programs targeting patients who has been recently discharged from hospitals or who do not receive regular care from a PCP.

Sales and Marketing

The company markets its MA plans through a broad range of activities and through an extensive network of insurance brokers and field marketing organizations. It also enters co-branding arrangements with providers and other provider institutions.

Competition

The company’s competitors include large, national insurers, such as UnitedHealth, Aetna, Humana, Cigna, Centene, and Elevance Health, as well as regional plans, such as Blue Cross Blue Shield affiliates, Alignment Health, and Devoted Health. The company also faces competition from Original Medicare providers and health insurance companies.

Government Regulation

The company’s non-U.S. operations are subject to the U.S. laws that regulate the conduct and activities of the U.S.-based businesses operating abroad, such as export control laws and the Foreign Corrupt Practices Act (the ‘FCPA’).

Clover Health Investments Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Industry Revenue:** - Healthcare: 100% (2026) **TOP 3 Markets:** 1. USA: approx. 95% 2. Puerto Rico: approx. 3% 3. Other Markets: approx. 2% Clover Health Investments, Corp. is mainly active in the healthcare sector, with the majority of revenues coming from the Medicare Advantage business in th...

At which locations are the company’s products manufactured?

**Production Sites:** No specific production facilities Clover Health Investments, Corp. is a healthcare company that focuses on providing Medicare Advantage plans. It is a technology-driven company that primarily offers services rather than physical products. Therefore, Clover Health does not oper...

What strategy does Clover Health Investments pursue for future growth?

**Strategy for Future Growth:** 1. **Medicare Advantage Expansion:** Clover Health is increasingly focusing on expanding its Medicare Advantage offering to gain market share in new regions. This includes entering new geographic markets in the USA. 2. **Technology Development:** The company is inve...

Which raw materials are imported and from which countries?

**Main raw materials:** No specific raw materials Clover Health Investments, Corp. is a company in the healthcare sector that focuses on providing health insurance services. As a service company, Clover Health does not import physical raw materials or materials that would typically be relevant in t...

How strong is the company’s competitive advantage?

**Market Share in the Medicare Advantage Market:** Estimated at 3% (2026) **Technological Innovation:** Clover Assistant, an AI-powered platform Clover Health Investments, Corp. has gained a certain competitive advantage in the Medicare Advantage market through its technological innovation, partic...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Ownership:** Estimated at around 35-40% (2026) **Insider Buys/Sells:** No significant insider transactions in the last 12 months The institutional investor ownership in Clover Health Investments, Corp. is estimated to be between 35% and 40%. This indicates a moderate inter...

What percentage market share does Clover Health Investments have?

**Market share of Clover Health Investments, Corp.:** Estimate: 3% (2026) **Top competitors and their market shares:** 1. **UnitedHealth Group:** 15% 2. **Anthem, Inc.:** 12% 3. **Humana Inc.:** 10% 4. **CVS Health Corporation (Aetna):** 9% 5. **Cigna Corporation:** 8% 6. **Centene Corporation:** 7...

Is Clover Health Investments stock currently a good investment?

**Revenue Growth:** 18% (2025) **Net Loss:** $338 million (2025) **Member Growth:** 25% (2025) Clover Health Investments, Corp. recorded strong revenue growth of 18% in 2025, attributed to successful member acquisition and expansion of their services. The 25% growth in members indicates the company...

Does Clover Health Investments pay a dividend – and how reliable is the payout?

**Dividend:** No payout (as of 2026) Clover Health Investments, Corp. currently does not pay a dividend to its shareholders. The company has focused on investing its resources in the growth and expansion of its business, particularly in the technology and healthcare services sector. As the company...

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Clover Health Investments Stock Value

Clover Health Investments Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the health care sector (5Y.)

What does Clover Health Investments do?

Clover Health Investments Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Clover Health Investments Stock Value

Clover Health Investments Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the health care sector (5Y.)

What does Clover Health Investments do?

Clover Health Investments Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.