Clover Corporation Limited
Clover Corporation Limited Fundamental Analysis
Clover Corporation Limited (CLV.AX) shows moderate financial fundamentals with a PE ratio of 19.63, profit margin of 9.61%, and ROE of 12.22%. The company generates $0.1B in annual revenue with strong year-over-year growth of 38.25%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 69.3/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CLV.AX's fundamental strength across five key dimensions:
Efficiency Score
ExcellentCLV.AX demonstrates superior asset utilization.
Valuation Score
ExcellentCLV.AX trades at attractive valuation levels.
Growth Score
ModerateCLV.AX shows steady but slowing expansion.
Financial Health Score
ExcellentCLV.AX maintains a strong and stable balance sheet.
Profitability Score
WeakCLV.AX struggles to sustain strong margins.
Key Financial Metrics
Is CLV.AX Expensive or Cheap?
P/E Ratio
CLV.AX trades at 19.63 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CLV.AX's PEG of 0.74 indicates potential undervaluation.
Price to Book
The market values Clover Corporation Limited at 2.38 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 12.08 times EBITDA. This signals the market has high growth expectations.
How Well Does CLV.AX Make Money?
Net Profit Margin
For every $100 in sales, Clover Corporation Limited keeps $9.61 as profit after all expenses.
Operating Margin
Core operations generate 15.25 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.22 in profit for every $100 of shareholder equity.
ROA
Clover Corporation Limited generates $10.22 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Clover Corporation Limited generates limited operating cash flow of $4.47M, signaling weaker underlying cash strength.
Free Cash Flow
Clover Corporation Limited produces free cash flow of $2.96M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.02 in free cash annually.
FCF Yield
CLV.AX converts 1.70% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
19.63
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.74
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.38
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.89
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.02
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.89
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.10
vs 25 benchmark
ROCE
Return on capital employed
0.19
vs 25 benchmark
How CLV.AX Stacks Against Its Sector Peers
| Metric | CLV.AX Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 19.63 | 22.37 | Better (Cheaper) |
| ROE | 12.22% | 1250.00% | Weak |
| Net Margin | 9.61% | -5464.00% (disorted) | Weak |
| Debt/Equity | 0.02 | 1.23 | Strong (Low Leverage) |
| Current Ratio | 4.89 | 2.47 | Strong Liquidity |
| ROA | 10.22% | -192045.00% (disorted) | Strong |
CLV.AX outperforms its industry in 4 out of 6 key metrics, particularly excelling in ROA, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Clover Corporation Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-2.98%
Industry Style: Defensive, Dividend, Low Volatility
DecliningEPS CAGR
-44.05%
Industry Style: Defensive, Dividend, Low Volatility
DecliningFCF CAGR
23.90%
Industry Style: Defensive, Dividend, Low Volatility
High Growth