An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Clover Health Investments, Corp.
VERDICT
The label
Distribution
read at $4.54
Clover Health Investments, Corp. holds its Distribution at $4.54.
PHPhase · the trend structure carries the Distribution label
INInsiders · no filings inside 60 days, left as found
POPositioning · no disclosures inside 60 days, left as found
OPOptions · no verdict drawn today, left as found
SCScreen · does not pass the values gate
edge confirmed
edge broken
edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
INVESTOR
The investor read · the season, not the day
As held on the ledger · 2026-08-12
Phase
Distribution · caution
Quantitative state
Consolidating, no directional conviction, held for 18 days
Price
$4.54
Valuation
N/A trailing · 30.27 forward price to earnings
Values screen
FAIL· score 70.0
Beta
2.49
OPPORTUNITY
The opportunity · what the numbers say it is worth
Read at
$4.54
N/A P/E · 30.27 fwd
Our fair value
$4.15
9% premium
Analyst target (avg)
$5.00
+10% to current
Target low $5.00Analyst target rangeTarget high $5.50
▲ current $4.54 · | average target
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Current
$4.54
you are here
Conservative
$4.15
-9%
Analyst avg
$5.00
+10%
Our fair value
$4.15
-9%
Analyst high
$5.50
+21%
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
Reading the gap · Our more conservative model reads it as fully-to-richly valued here, while the Street is more bullish — a quality-at-a-fair-price name rather than a deep-value one.
Revenue growth
55.60%
Profit margin
-0.74%
Analyst consensus
Buy · 3 covering
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
SCREEN
The values screen, explained · five checks, plain English
This company is excluded by both standards. There are two widely recognised ways to check whether a company is suitable for a Muslim investor. It fails on both:
The common standard· AAOIFI Used by most halal investing apps✗ DOES NOT PASS
Our stricter standard· asset-based The one Titan applies✗ DOES NOT PASS
Why it fails. The problem is its interest-bearing securities. Because both standards agree on this, it is a clear exclusion, not a borderline case.
Business activityIts core business isn't built on prohibited lines — no gambling, alcohol, tobacco, weapons, or interest-based lending.Pass
Debt loadInterest-bearing debt is of its assets, above the one-third ceiling the screen allows.Fail
Interest-bearing cashInterest-bearing cash and securities are 34.6% of assets, above the one-third limit.Fail
ReceivablesMoney owed to the company is 43.8% of assets, under the 49% limit.Pass
Revenue purityOnly 0.0% of revenue comes from non-compliant sources — under the 5% line.Pass
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
PLAIN
The business, in plain words · what the numbers mean
Medicare app growth story priced for perfection
Picture a retiree in Florida signing up for a Medicare plan that promises an AI assistant to manage their care. Clover Health is chasing exactly that market with rapid expansion. Revenue is up 62 percent, yet the business still posts a negative 3 percent profit margin and a negative 17 percent return on equity, so the growth has not yet produced real earnings.
At a forward price to earnings ratio of 46 times and a share price well above our assessed fair value, the market is paying for a future that remains unproven. The opportunity rating sits at none because the numbers show a company that is scaling but not yet converting that scale into sustainable profit.
Valuation leaves little margin for the execution risk that comes with turning a loss-making Medicare book profitable while competing against larger insurers. Currency and regulatory shifts in healthcare add further uncertainty that the current price does not appear to discount. Analysis, not advice.
Screened names in the same industry · explore each on its own page.
TRADE
Where & how to trade · wherever in the world you are
CLOV trades on Nasdaq. As a US-listed security it is accessible through almost any international broker offering US markets. New to this, or investing from outside the US? Our guide to accessing global markets covers brokers, currencies and the practical steps.
TRADER
The trader read · the latest dated commentary
The framework has shifted from accumulation to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 2.3% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A. Technically it is sitting below its long-term trend line with momentum reading overbought. Over the past year the shares are up 61%. Our forward projection puts the odds of a 10% gain over the next month near 43%. The street (3 analysts) rates it none, with a mean price target of $3. Entered 2026-07-25 · Markup
JOURNAL
The dated journal · newest first, never edited
2026-07-25Markup · changed$4.62-2.3%Entry 4
The framework has shifted from accumulation to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 2.3% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A. Technically it is sitting below its long-term trend line with momentum reading overbought. Over the past year the shares are up 61%. Our forward projection puts the odds of a 10% gain over the next month near 43%. The street (3 analysts) rates it none, with a mean price target of $3.
2026-07-18Accumulation$4.73+0.0%Entry 3
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A. Technically it is sitting below its long-term trend line with momentum reading overbought. Over the past year the shares are up 61%. Our forward projection puts the odds of a 10% gain over the next month near 43%. The street (3 analysts) rates it none, with a mean price target of $3.
2026-07-03Accumulation$4.73+0.0%Entry 2
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Accumulation$4.73Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
RETURNS
What holding actually paid · price plus dividends
If $1,000 had been placed · historical, not a promise
Period
Price then
Price return
Divs per share
$1,000 became
Total return
1 month
$3.20
+50.3%
·
$1,503
+50.3%
2 months
$1.93
+149.2%
·
$2,492
+149.2%
3 months
$1.97
+144.2%
·
$2,442
+144.2%
6 months
$2.75
+74.9%
·
$1,749
+74.9%
1 year
$2.99
+60.9%
·
$1,609
+60.9%
2 years
$0.99
+387.8%
·
$4,878
+387.8%
3 years
$1.00
+381.0%
·
$4,810
+381.0%
5 years
$15.03
-68.0%
·
$320
-68.0%
Historical returns from market close data. Past performance does not guarantee future results.
SEALED
This entry now belongs to the ledger. Whatever CLOV does next, these words stay.
Clover Health Investments, Corp. · CLOV · Distribution · $4.54
Recorded 2026-08-12 · before the outcome · scored mechanically
