Clover Health Investments

CLOV

Market cap $1.05B

CLOV Q4 loss matches estimates. Revenues jump 45%.

Clover Health Investments, Corp. (CLOV) Q4 2025 Earnings Call Transcript

Business Highlights: Generated full year 2025 Adjusted EBITDA profitability while growing membership by 38% and Insurance revenue by 41% year-over-year Achieved industry-leading 2026 AEP growth of 53% year-over-year with strong returning member retention Expect improving cohort economics powered by Clover Assistant to drive our first-ever full year of GAAP Net Income profitability in 2026 Financial Results: Full year 2025 Medicare Advantage membership of 113,803, up 38% year-over-year Full year 2025 Total revenues of $1.9 billion, up 40% year-over-year Full year 2025 GAAP Net loss of $86 million, Adjusted EBITDA of $22 million, and Adjusted Net Income of $20 million Full Year 2026 Guidance: Average Medicare Advantage membership of 154,000 - 158,000, representing 46% growth year-over-year at the midpoint Total revenues between $2.81 billion and $2.92 billion, representing 49% growth year-over-year at the midpoint Consolidated Gross profit between $470 million and $510 million, representing 38% growth year-over-year at the midpoint Adjusted EBITDA profitability between $50 million and $70 million GAAP Net Income between $0 million and $20 million WILMINGTON, Del., Feb. 26, 2026 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today reported financial results for the fourth quarter and full year 2025.

WILMINGTON, Del., Feb. 17, 2026 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today announced that its Chief Financial Officer, Peter Kuipers, will present at the Leerink 2026 Global Healthcare Conference on Tuesday, March 10, 2026, at 9:20 a.m.

WILMINGTON, Del., Jan. 29, 2026 (GLOBE NEWSWIRE) -- Clover Health Investments, Corp. (Nasdaq: CLOV) (“Clover,” “Clover Health” or the “Company”), today announced that it will release its financial results after the market closes on Thursday, February 26, 2026.

Clover Health Investments is now a contrarian buy, with the market underestimating its path to profitability in 2026. CLOV's member retention exceeds 90%, older cohorts generate $217 monthly profit, and the Clover Assistant AI is driving clinical and financial improvements. The stock trades at less than 0.5x 2026 sales, with a fair value estimate of $3.30 per share—28% above current levels.

Clover Health shows strong membership growth, rising revenues and sustained EBITDA gains from Clover Assistant, though near-term margin pressure remains a risk.

Clover Health Investments, Corp. (CLOV) Presents at 44th Annual J.P. Morgan Healthcare Conference Transcript

Clover Health posts 53% AEP PPO membership growth, lifts total members to 153,000, and says the momentum positions it for GAAP net income profitability in 2026.

Clover delivers market-leading Medicare Advantage growth, establishing a strong path to achieve its first-ever full year GAAP Net Income profitability in 2026. Disciplined, core-market growth, strong returning member retention, and improving cohort economics position Clover for compounding earnings and margin expansion.