Discounted Cash Flow
Clover Health Investments, Corp. /de
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—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2019 | $462.3m | $-183.2m | $-159.9m | -39.6% | $-4.14 |
| 2020 | $672.9m (45.6%) | $-6.9m (96.3%) | $-2.9m (98.2%) | -1.0% (97.4%) | $-1.54 (62.8%) |
| 2021 | $1.5b (118.8%) | $-637.0m (-9182.8%) | $-283.0m (-9593.1%) | -43.3% (-4143.4%) | $-1.42 (7.8%) |
| 2022 | $3.5b (136.2%) | $-254.6m (60.0%) | $-309.1m (-9.2%) | -7.3% (83.1%) | $-0.53 (62.7%) |
| 2023 | $2.0b (-41.5%) | $-210.1m (17.5%) | $-35.7m (88.4%) | -10.3% (-41.1%) | $-0.44 (17.0%) |
| 2024 | $1.4b (-32.6%) | $-46.3m (78.0%) | $80.9m (326.4%) | -3.4% (67.3%) | $-0.09 (79.5%) |
| 2025 | $1.9b (40.3%) | $-85.5m (-84.9%) | $-69.0m (-185.3%) | -4.4% (-31.8%) | $-0.17 (-88.9%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.