Earnings summaries and quarterly performance for CLOVER HEALTH INVESTMENTS, CORP. /DE.
Executive leadership at CLOVER HEALTH INVESTMENTS, CORP. /DE.
Andrew Toy
Detailed
Chief Executive Officer
CEO
BP
Brady Priest
Detailed
Chief Executive Officer of Home Care
CW
Conrad Wai
Detailed
Chief Executive Officer of Counterpart Health
JR
Jamie Reynoso
Detailed
Chief Executive Officer of Medicare Advantage
KS
Karen Soares
Detailed
General Counsel and Corporate Secretary
PK
Peter Kuipers
Detailed
Chief Financial Officer
Board of directors at CLOVER HEALTH INVESTMENTS, CORP. /DE.
Research analysts who have asked questions during CLOVER HEALTH INVESTMENTS, CORP. /DE earnings calls.
JY
Jonathan Yong
UBS
4 questions for CLOV
Also covers: ALHC, EHTH, OSCR
John Pinney
Canaccord Genuity Group Inc.
3 questions for CLOV
Also covers: AHCO, HSTM, QIPT
MH
Matthew Hewitt
Craig-Hallum Capital Group LLC
3 questions for CLOV
Also covers: ACET, APYX, BHST +21 more
JY
Jonathan Young
Cantor Fitzgerald
2 questions for CLOV
Also covers: BCS
John French
Leerink Partners
1 question for CLOV
Richard Close
Canaccord Genuity Group
1 question for CLOV
Also covers: ACCD, AHCO, DCGO +15 more
Recent press releases and 8-K filings for CLOV.
Clover Health Reports Q4 and Full Year 2025 Results, Issues 2026 Guidance
CLOV
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Clover Health achieved full year Adjusted EBITDA profitability in 2025, reporting $22 million in Adjusted EBITDA and $20 million in adjusted net income.
- Medicare Advantage membership grew 38% year-over-year to approximately 114,000 members by year-end 2025, with total revenue increasing 40% year-over-year to $1.9 billion.
- For 2026, the company projects its first full year of GAAP net income profitability, with net income expected between breakeven and $20 million, and Adjusted EBITDA between $50 million and $70 million.
- Looking ahead to 2026, Clover Health anticipates Medicare Advantage membership to average between 154,000 and 158,000 (a 46% year-over-year growth at the midpoint) and total revenue between $2.81 billion and $2.92 billion (a 49% top-line growth).
1 day ago
Clover Health Investments Reports Q4 and Full Year 2025 Results, Projects GAAP Net Income Profitability in 2026
CLOV
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Clover Health Investments achieved full year Adjusted EBITDA profitability of $22 million in 2025, alongside $20 million of adjusted net income.
- Medicare Advantage membership grew 38% year-over-year to approximately 114,000 members by year-end 2025, with total revenue increasing 40% year-over-year to $1.9 billion.
- For 2026, the company anticipates its first full year of GAAP net income profitability, with net income projected between breakeven and $20 million.
- 2026 guidance includes Medicare Advantage membership averaging between 154,000 and 158,000 (46% growth at midpoint), total revenue between $2.81 billion and $2.92 billion (49% growth), and Adjusted EBITDA between $50 million and $70 million.
- The company reported 53% year-over-year membership growth during the 2026 annual enrollment period, driven by strong retention and focus on core markets.
1 day ago
Clover Health Reports Q4 and Full Year 2025 Results, Issues 2026 Guidance
CLOV
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Clover Health achieved full year Adjusted EBITDA profitability in 2025, reporting $22 million in Adjusted EBITDA and $20 million in adjusted net income, with total revenue increasing 40% year-over-year to $1.9 billion. Medicare Advantage membership grew 38% year-over-year to approximately 114,000 members by year-end 2025.
- For 2026, the company anticipates its first full year of GAAP net income profitability, with net income expected between breakeven and $20 million, and Adjusted EBITDA projected between $50 million and $70 million.
- Medicare Advantage membership is forecast to average between 154,000 and 158,000 in 2026, representing 46% growth year-over-year at the midpoint, with total revenue expected between $2.81 billion and $2.92 billion.
- Key drivers for 2026 include a four-star payment year for PPO plans, strong returning member retention (above 95%), and increased Clover Assistant engagement, which is expected to structurally strengthen cohort economics.
1 day ago
Clover Health Reports Q4 and Full-Year 2025 Results, Provides 2026 Guidance
CLOV
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Clover Health achieved FY25 Adjusted EBITDA of $22M and Adjusted Net income of $20M, while reporting Q4 2025 Adjusted EBITDA of ($23M) and Adjusted Net income of ($24M).
- The company experienced significant growth, with Q4 Medicare Advantage membership reaching ~114K at year-end, a 38% increase year-over-year, and total revenues increasing by 45% year-over-year in Q4 2025.
- For Fiscal Year 2026, Clover Health anticipates GAAP Net Income profitability, with guidance for Total Revenues between $2.81B and $2.92B, Adjusted EBITDA between $50M and $70M, and Average Medicare Advantage Membership between 154,000 and 158,000.
1 day ago
Clover Health Reports Q4 and Full Year 2025 Results, Provides 2026 Guidance
CLOV
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Clover Health reported full year 2025 total revenues of $1.9 billion, a 40% year-over-year increase, with a GAAP Net loss of $86 million and Adjusted EBITDA of $22 million.
- Full year 2025 Medicare Advantage membership grew 38% year-over-year to 113,803.
- For full year 2026, the company projects total revenues between $2.81 billion and $2.92 billion, representing 49% growth year-over-year at the midpoint.
- Clover Health anticipates achieving its first full year of GAAP Net Income profitability in 2026, with guidance between $0 million and $20 million, and expects Adjusted EBITDA profitability between $50 million and $70 million.
- Average Medicare Advantage membership for 2026 is guided to be between 154,000 and 158,000, reflecting 46% growth year-over-year at the midpoint.
1 day ago
Clover Health Targets GAAP Net Income Profitability and Reports Strong Member Growth
CLOV
Guidance Update
Revenue Acceleration/Inflection
New Projects/Investments
- Clover Health achieved Adjusted EBITDA profitability last year and is targeting GAAP net income profitability this year (2026).
- The company reported 53% year-on-year member growth, expanding its base from approximately 100,000 to over 150,000 members.
- This growth is supported by tailwinds for 2026, including a four-star payment year, increased CMS rates, and high member retention.
- Clover Health leverages its AI-driven Clover Assistant technology to improve clinical outcomes and drive profitability, particularly as returning member cohorts become more profitable over time.
Jan 15, 2026, 4:15 PM
Clover Health Projects 2026 GAAP Net Income Profitability and Reports Strong MA Membership Growth
CLOV
Guidance Update
Revenue Acceleration/Inflection
New Projects/Investments
- Clover Health expects FY26 GAAP Net Income Profitability and is targeting sustained Adjusted EBITDA Profitability.
- The company reported Medicare Advantage (MA) membership growth of +53% for the 2026 Annual Enrollment Period (AEP), reaching approximately 153,000 members as of January 2026.
- Clover Health's PPO plans achieved the #1 national score on HEDIS quality measures for Plan Year 2026, Payment Year 2027 Star ratings, with a score of 4.72.
- The Insurance BER (Non-GAAP) was 93.5% for Q3 2025 and 89.4% for the nine months ended September 30, 2025. The Normalized Insurance BER (Non-GAAP) was 92.4% for Q3 2025 and 88.9% for the nine months ended September 30, 2025.
- The AI-powered Clover Assistant is expanding its 3rd party customer base and onboarding more clinicians, contributing to improved clinical outcomes and cohort economics.
Jan 15, 2026, 4:15 PM
Clover Health Reports Strong Growth and Aims for GAAP Net Income Profitability in 2026
CLOV
Guidance Update
Revenue Acceleration/Inflection
New Projects/Investments
- Clover Health achieved 53% year-on-year growth and is targeting GAAP net income profitability in 2026, building on its existing Adjusted EBITDA profitability.
- The company maintains its position as the number one PPO in the country in Medicare Advantage on HEDIS quality for the second consecutive year, attributing this to its AI-driven Clover Assistant technology.
- Clover Health's Counterpart Health business is expanding, bringing its technology platform to other Medicare Advantage plans and risk-bearing providers, with the software already deployed in markets outside its own plan.
- The company anticipates a four-star payment year in 2026 and expects to improve SG&A efficiency through AI-driven initiatives in the coming years.
Jan 15, 2026, 4:15 PM
Clover Health Reports Strong Growth and Aims for GAAP Profitability in 2026
CLOV
Revenue Acceleration/Inflection
Guidance Update
New Projects/Investments
- Clover Health reported 53% year-on-year membership growth, expanding from approximately 100,000 to over 150,000 members.
- The company has achieved Adjusted EBITDA profitability and is now targeting GAAP net income profitability for fiscal year 2026.
- Clover Health maintained its position as the number one PPO in Medicare Advantage on HEDIS quality for the second consecutive year, attributing this to its AI-powered Clover Assistant technology.
- The company is also expanding its technology offering to other health plans through its Counterpart Health subsidiary.
Jan 15, 2026, 4:15 PM
Clover Health Announces Strong Medicare Advantage Membership Growth and Expects 2026 GAAP Net Income Profitability
CLOV
Revenue Acceleration/Inflection
Guidance Update
- Clover Health announced 53% year-over-year membership growth in its Medicare Advantage (MA) PPO plans for the 2026 plan year, reaching approximately 153,000 members as of January 1, 2026.
- The company expects to achieve its first-ever full year GAAP Net Income profitability in 2026.
- This growth was achieved through disciplined expansion in core markets, strong returning member retention of >95%, and stable plan benefits.
- Approximately 97% of the January 1, 2026 membership is in Clover's flagship PPO plan, which is ranked #1 nationally on core HEDIS metrics and will be paid on 4.0 Stars for Payment Year 2026.
Jan 14, 2026, 1:32 PM
Quarterly earnings call transcripts for CLOVER HEALTH INVESTMENTS, CORP. /DE.
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