CLOVER HEALTH INVESTMENTS, CORP. /DE(CLOV)— Stock Profile, AI Score & Financials
Healthcare · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) stock profile, AI quality score, and SEC EDGAR financial data, a Healthcare sector company. 13F Pro's AI-powered ranking engine scores CLOV at 59.1/100 on a 32-signal composite quality model, placing it at rank #952 of 2,962 stocks — the top half of the AI-ranked universe. CLOV scores in the top quartile across institutional flow (95.8), earnings quality (93.5), revenue growth (90.1). Areas of concern include balance sheet strength (26.7) and free cash flow (35.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 23.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), CLOVER HEALTH INVESTMENTS, CORP. /DE reports quarterly revenue of $743.2M, net income of $28.0M, an operating margin of 3.8%. Top institutional holders of CLOV by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, GEODE CAPITAL MANAGEMENT, based on the most recent SEC filings. CLOV trades on the Nasdaq exchange and files with the SEC under CIK 1801170. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CLOV daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CLOVER HEALTH INVESTMENTS, CORP. /DE directly from SEC EDGAR.
AI Quality Score
59.1/100
AI Rank
#952
Revenue
$743.2M
Net Income
$28.0M
Free Cash Flow
$24.5M
Operating Margin
3.8%
CLOV key financials by period
CLOVER HEALTH INVESTMENTS, CORP. /DE reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$1.9B
$-85.5M
-4.4%
FY 2024
10-K
$1.4B
$-43.0M
-3.3%
FY 2023
10-K
$1.3B
$-213.4M
-16.3%
FY 2022
10-K
$1.1B
$-339.6M
-26.1%
FY 2021
10-K
$1.5B
$-587.8M
-43.3%
FY 2020
10-K
$672.9M
$-136.4M
-13.8%
Institutions holding CLOV
Institutional investors reporting a position in CLOVER HEALTH INVESTMENTS, CORP. /DE on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Clover Health reported Q2 2026 net income of $28.0M on revenues of $743.2M (+56% YoY), driven by 49% membership growth and higher per-member premiums from improved Star Ratings.
Biggest Revenue Drivers
Premiums earned, net$737.8M+57% YoY
49% growth in average membership plus 6% increase in per-member premium from higher CMS rates and 4.0 Star rating vs. 3.5 Stars prior year.
Other income$5.4M-31% YoY
Decrease driven by absence of non-recurring gain from equity investment remeasurement and lower investment income from lower interest rates.
Biggest Revenue Drivers
Total revenue: $743.2M+56% YoY
Premiums earned, net$737.8M+57% YoY
49% growth in average membership plus 6% increase in per-member premium from higher CMS rates and 4.0 Star rating vs. 3.5 Stars prior year.
Other income$5.4M-31% YoY
Decrease driven by absence of non-recurring gain from equity investment remeasurement and lower investment income from lower interest rates.
Largest Expense Items
Net medical claims incurred$590.2M+56% YoY
49% membership growth plus 5% per-member increase from current-year benefit design and general medical cost trends.
General and administrative expenses$70.3M+45% YoY
Higher administrative costs to support membership growth including professional fees, broker commissions, and other operating expenses.
Salaries and benefits$54.1M-12% YoY
Lower stock-based compensation from completion of founder equity awards in January 2026, partially offset by higher cash compensation for increased headcount.
Margins: Insurance Benefits Expense Ratio improved to 87.6% in Q2 2026 from 88.4% in Q2 2025, driven by better claims experience and higher premiums. Adjusted SG&A as percentage of total revenues improved to 15.1% from 17.3% YoY as revenue growth outpaced administrative cost growth.
Watch Items from the Filing
Four putative class action complaints filed July 22-24, 2026 in Middle District of Tennessee arising from July 4, 2026 cybersecurity incident involving unauthorized access to member PII and PHI; company states it cannot reasonably estimate loss at this early stage.
Unpaid claims liability increased $97.6M to $250.9M at June 30, 2026 from $153.3M at December 31, 2025, reflecting membership growth and claims accrual timing.
CMS increased Company's PPO plan Star Rating from 3.5 to 4.5 Stars for payment year 2027 (vs. 2026), and HMO plan from 4.0 to 4.5 Stars, expected to improve future revenue.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
