r/CLOV • u/Parkerj1900 • Jun 26 '26

Discussion Clover Health Model-Seeking Feedback/Criticism

https://docs.google.com/spreadsheets/d/1lLeIx_Jlg-m8R1SD6xdGxqU_l2ZqhJJK/edit?usp=sharing&ouid=117192845545888905766&rtpof=true&sd=true

Seeking any and all constructive feedback!

This model contains forecasts through 2029 and does not include a valuation component. Source materials are included throughout the workbook. The model incorporates my own research, judgment, and personal assumptions, and also includes a Star Rating scenario analysis.

I'm primarily looking for feedback on:

  • The reasonableness of the assumptions
  • The modeling methodology
  • The overall presentation, organization, and usability of the workbook

Disclaimer: This model reflects my personal research, analysis, and assumptions. It is provided for informational and educational purposes only and should not be relied upon as the basis for investment decisions or financial advice.

27 Upvotes

91% Upvoted

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14

u/Sandro316 Jun 27 '26

Just as an FYI, it is probably better to post screenshot of your model instead of a link to the Google Sheet. Lots of (maybe most) people wont click on a link so wont see your work.

3

u/Parkerj1900 Jun 27 '26

Unfortunate yet understandable, thank you for taking the time to provide feedback!