Clover Health Investments, Corp.

NASDAQ•CLOV

CEO: Mr. Vivek Garipalli

Sector: Healthcare

Industry: Medical - Healthcare Plans

Listing Date: 2020-06-12

Clover Health Investments, Corp. provides medicare advantage plans in the United States. It operates through two segments: Insurance and Non-Insurance. It also offers Clover Assistant, a cloud-based software platform, that enables physicians to detect, identify, and manage chronic diseases earlier; and access to data-driven and personalized insights for the patients they treat. Clover Health Investments, Corp. is based in Franklin, Tennessee.

Contact Information

3401 Mallory Lane, Suite 210, Franklin, TN, 37067, United States

201-432-2133

www.cloverhealth.com/en

Market Cap

$1.03B

P/E (TTM)

-12.1

Dividend Yield

52W High

$3.92

52W Low

$1.93

52W Range

Rank58Top 85.6%

2.3

F-Score

Modified Piotroski Analysis

Based on 7-year fundamentals

Weak • 2.3 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2019-2025

Financial Dashboard

Q4 2025 Data

Revenue

$487.71M+0.00%

4-Quarter Trend

EPS

-$0.10+0.00%

4-Quarter Trend

FCF

-$68.75M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Total Revenue Surges Total revenues reached $1.92B USD, showing 40.3% growth driven by premium expansion and member additions.

Membership Base Expands Insurance members reached 113,803 by December 31, 2025, supporting overall revenue scale and data collection.

Net Premiums Grew Net premiums earned increased 40.7% to $1.89B USD, driven by 33% average member increase during the period.

Risk Factors

Profitability Deteriorates Sharply Net loss from continuing operations widened 87.0% to $(85.5M) USD, driven by rising medical costs and expenses.

Medical Costs Outpace Revenue Net medical claims incurred increased 55.9% to $1.57B USD, significantly exceeding 40.3% revenue growth.

Insurance Expense Ratio Rises Insurance Benefits expense ratio climbed to 90.9% from 81.2%, indicating reduced underwriting profitability and margin pressure.

Cash Flow Turns Negative Cash flow from operations swung to a $(66.9M) USD usage from $82.5M provided in the prior year.

Outlook

Expand MA Plan Footprint MA plans will expand geographic presence in 2026, targeting 203 counties across five states for growth.

Continue Technology Investment Expect continued investment in Clover Assistant platform enhancements and AI capabilities for better care management.

Drive Counterpart Health Growth Focus remains on commercializing Counterpart Health SaaS offering to external payors for new revenue streams.

Manage Regulatory Environment Must navigate complex federal and state regulations, including potential changes to Medicare Advantage benchmarks.

Peer Comparison

Revenue (TTM)

QDEL

$2.73B

-1.9%

TDOC

$2.53B

-1.5%

CLOV

$1.92B

+40.3%

Gross Margin (Latest Quarter)

GDRX

101.2%

-0.9pp

BCRX

97.6%

+1.2pp

NVCR

75.8%

-3.9pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
TXG	$2.89B	-66.0	-5.7%	15.1%
TWST	$2.86B	-37.2	-16.6%	28.8%
LFST	$2.83B	290.4	0.7%	8.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.8%

Moderate Growth

4Q Net Income CAGR

N/M

Profitability Shift

Cash Flow Stability

50%

Cash Flow Needs Attention

Deep Research

Next earnings:May 4, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data