Not a good buy right now: the broader trend is still bearish (SMA_200 > SMA_20 > SMA_5) and downside momentum is expanding (MACD histogram negative and worsening).
Oversold (RSI_6 ~17.9) increases bounce potential, but without a catalyst and with momentum still deteriorating, this is more of a “falling knife” than a clean entry for an impatient buyer.
Intellectia signals are not supporting an aggressive entry today (no AI Stock Picker / no SwingMax).
Best stance now: Hold/avoid new buys until price reclaims key levels (around the 2.40 pivot) and momentum stabilizes; otherwise odds favor more chop/down toward the 2.01 support.
Technical Analysis
Trend: Bearish structure with moving averages stacked down (SMA_200 > SMA_20 > SMA_5), signaling sustained downtrend.
Momentum: MACD histogram -0.0458 (below 0) and negatively expanding → bearish momentum is strengthening.
Mean-reversion: RSI_6 at 17.917 indicates deeply oversold conditions, which can produce short bounces, but not a confirmed trend reversal.
Key levels: Pivot 2.404 (major reclaim level). Near-term supports S1 2.159 (already undercut at 2.125) and S2 2.008; resistances R1 2.648 and R2 2.799.
Positioning/sentiment: Open interest put-call ratio at 0.24 is call-heavy (constructive longer-dated positioning).
Flow today: Put-call volume ratio 0.89 is closer to balanced/only mildly call-leaning on the day (not a strong “risk-on” stampede).
Volatility: IV 30d ~88.53 with IV percentile 74 → options are pricing elevated uncertainty; not “cheap vol.”
Activity: Today’s option volume (~20,456) is well below the 30-day average (today vs avg ~36.5%), suggesting no strong crowd conviction today.
Technical Summary
Sell
8
Buy
6
Positive Catalysts
can trigger a reflex bounce if selling pressure fades.
Neutral/Negative Catalysts
Analyst commentary highlights elevated medical cost trend and prior period development impacting profitability guidance (fundamental pressure despite growth).
Financial Performance
Latest quarter: 2025/Q3.
Revenue: 496.65M, up ~50.05% YoY (strong top-line growth).
Profitability: Net income -24.377M, improved ~166.27% YoY (loss narrowing materially).
EPS: -0.05, improved ~150% YoY.
Takeaway: Growth is strong and losses are shrinking, but recent commentary points to medical cost pressure, which can quickly overwhelm the improvement trend if it persists.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Most recent update (2025-11-06): Canaccord maintained a Buy but lowered the price target to $3.70 from $4.10.
Rationale: Growth/membership expansion is acknowledged, but 3Q showed a sizable adj-EBITDA miss and downward profitability guidance revision due to elevated medical cost trend and prior period development.
Wall Street pro view (pros): Continued growth and expansion in MA membership; improving YoY earnings trend.
Wall Street con view (cons): Cost/medical utilization trend risk and profitability volatility; guidance sensitivity makes the story fragile until margins stabilize.
Wall Street analysts forecast CLOV stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CLOV is 3.35 USD with a low forecast of 3 USD and a high forecast of 3.7 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
Wall Street analysts forecast CLOV stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CLOV is 3.35 USD with a low forecast of 3 USD and a high forecast of 3.7 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 2.040
Low
3
Averages
3.35
High
3.7
Current: 2.040
Low
3
Averages
3.35
High
3.7
Canaccord
Buy
downgrade
AI Analysis
2025-11-06
Reason
Canaccord
Price Target
AI Analysis
2025-11-06
downgrade
Buy
Reason
Canaccord lowered the firm's price target on Clover Health to $3.70 from $4.10 and keeps a Buy rating on the shares. The firm said Clover's return to significant growth during last year's AEP and throughout 2025 when membership in its MA plans expanded rapidly finally caught up to the company in 3Q with a sizable adj-EBITDA miss and downward profitability guidance revision as elevated medical cost trend materialized in the quarter along with prior period development from 1H'25.
Canaccord
Buy
downgrade
2025-08-07
Reason
Canaccord
Price Target
2025-08-07
downgrade
Buy
Reason
Canaccord lowered the firm's price target on Clover Health to $4.10 from $4.50 and keeps a Buy rating on the shares. The firm said they reported solid Q2 results however the insurance benefit expense ration came in higher than expected which created some concern.
Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for CLOV
