What is the 13F Pro Quality Score for CLOV?

13F Pro ranks CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CLOV's current score at https://13fpro.ai/company/CLOV (free sign-up required for the full ranking).

Where does 13F Pro source CLOV data?

All CLOVER HEALTH INVESTMENTS, CORP. /DE fundamentals and ownership data come directly from SEC EDGAR. CLOVER HEALTH INVESTMENTS, CORP. /DE files with the SEC under CIK 1801170. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CLOV in?

CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) is classified in the Healthcare sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/healthcare.

What drives CLOV's revenue?

Per CLOVER HEALTH INVESTMENTS, CORP. /DE's latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Premiums earned, net ($737.8M, +57% YoY); Other income ($5.4M, -31% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/CLOV.

What are CLOV's largest expenses?

CLOVER HEALTH INVESTMENTS, CORP. /DE's latest 10-Q reports these as the largest expense items: Net medical claims incurred ($590.2M, +56% YoY); General and administrative expenses ($70.3M, +45% YoY); Salaries and benefits ($54.1M, -12% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is CLOV research updated on 13F Pro?

CLOV's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CLOVER HEALTH INVESTMENTS, CORP. /DE(CLOV)Stock Analysis

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13F Pro Quality Score

59.1/100

Rank #952 of 2,962 stocksTOP 50%

View Healthcare peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

90.1/100

Profitability

37.8/100

Balance Sheet

26.7/100

Earnings Quality

93.5/100

Free Cash Flow

35.7/100

Institutional Flow

95.8/100

Revenue Scale

66.5/100

Dilution Risk

23.8/100

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Why CLOV Scores 59/100

exact factor attribution · 2026-09-11

CLOV's composite is driven by revenue growth and earnings quality, held back by capital efficiency and free cash flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.0 pts

90th pct

Earnings quality

+4.3 pts

94th pct

Scale

+2.5 pts

67th pct

Institutional flow

+2.3 pts

96th pct

Earnings growth

-0.4 pts

42th pct

Shareholder dilution

-1.3 pts

24th pct

Profitability

-1.8 pts

38th pct

Free cash flow

-2.1 pts

36th pct

Capital efficiency

-2.3 pts

27th pct

Latest change (2026-08-07): 55 → 56 · ↑ Capital efficiency 40→56; despite ↓ Revenue growth 87→79

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CLOV Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV), 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. CLOVER HEALTH INVESTMENTS, CORP. /DE's 13F Pro composite quality score has ranged between 31 and 59 since 2024, currently 59.1 — an improving long-term trajectory across 55 quarterly and live scoring snapshots.

What's Driving CLOV's Business? Latest 10-Q Breakdown

AI-extracted from CLOVER HEALTH INVESTMENTS, CORP. /DE's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$743.2M

Net Income

Q2 2026

$28.0M

Free Cash Flow

Q2 2026

$24.5M

Operating Margin

Q2 2026

3.8%

ROIC

Q2 2026

29.8%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+40.3% YoY

$1.92BFY 2025

FY22 $1.10BFY23 $1.26BFY24 $1.37BFY25 $1.92B

Net Income

-98.9% YoY

$-85.5MFY 2025

FY22 $-339.6MFY23 $-213.4MFY24 $-43.0MFY25 $-85.5M

Operating Income

-87.0% YoY

$-85.5MFY 2025

FY22 $-286.7MFY23 $-205.3MFY24 $-45.7MFY25 $-85.5M

EPS (Diluted)

—FY 2025

FY22 $-0.71FY23 $-0.44FY24 —FY25 —

Total Assets

-6.8% YoY

$541.0MFY 2025

FY22 $808.6MFY23 $570.7MFY24 $580.7MFY25 $541.0M

Total Debt

—FY 2025

FY22 $0.00FY23 —FY24 —FY25 —

Op. Cash Flow

-292.1% YoY

$-66.9MFY 2025

FY22 $-203.9MFY23 $-144.7MFY24 $34.8MFY25 $-66.9M

Free Cash Flow

-307.2% YoY

$-69.0MFY 2025

FY22 $-208.4MFY23 $-145.2MFY24 $33.3MFY25 $-69.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.92B +40.3%	$1.37B +8.8%	$1.26B +15.0%	$1.10B -25.5%	$1.47B +118.8%	$672.9M
Net Income	$-85.5M -98.9%	$-43.0M +79.8%	$-213.4M +37.2%	$-339.6M +42.2%	$-587.8M -330.9%	$-136.4M
Operating Income	$-85.5M -87.0%	$-45.7M +77.7%	$-205.3M +28.4%	$-286.7M +55.0%	$-637.0M -587.1%	$-92.7M
EPS (Diluted)	—	—	$-0.44 +38.0%	$-0.71 +50.0%	$-1.42 +7.8%	$-1.54
Total Assets	$541.0M -6.8%	$580.7M +1.8%	$570.7M -29.4%	$808.6M -15.0%	$950.8M +255.8%	$267.3M
Total Debt	—	—	—	$0.00 -100.0%	$20.0M -84.3%	$127.2M
Operating Cash Flow	$-66.9M -292.1%	$34.8M +124.1%	$-144.7M +29.1%	$-203.9M +27.8%	$-282.3M -138.3%	$-118.5M
Free Cash Flow	$-69.0M -307.2%	$33.3M +122.9%	$-145.2M +30.3%	$-208.4M +26.4%	$-283.0M -137.5%	$-119.2M

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Available Research

13F Pro tracks comprehensive data for CLOVER HEALTH INVESTMENTS, CORP. /DE including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CLOV

BlackRock, Inc.
$184.0M35,106,965 sh
VANGUARD CAPITAL MANAGEMENT LLC
$94.5M18,037,661 sh
GEODE CAPITAL MANAGEMENT, LLC
$56.8M10,846,066 sh
STATE STREET CORP
$53.3M10,180,337 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$37.8M7,205,400 sh
Nuveen, LLC
$33.0M6,291,699 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$28.9M5,521,188 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$23.4M4,470,452 sh
NORTHERN TRUST CORP
$19.8M3,772,600 sh
PNC FINANCIAL SERVICES GROUP, INC.
$18.7M3,563,874 sh

Fund	Value	Shares
BlackRock, Inc.	$184.0M	35,106,965
VANGUARD CAPITAL MANAGEMENT LLC	$94.5M	18,037,661
GEODE CAPITAL MANAGEMENT, LLC	$56.8M	10,846,066
STATE STREET CORP	$53.3M	10,180,337
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$37.8M	7,205,400
Nuveen, LLC	$33.0M	6,291,699
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$28.9M	5,521,188
VANGUARD PORTFOLIO MANAGEMENT LLC	$23.4M	4,470,452
NORTHERN TRUST CORP	$19.8M	3,772,600
PNC FINANCIAL SERVICES GROUP, INC.	$18.7M	3,563,874

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Is CLOV a good stock to buy?

13F Pro's AI-powered analysis of CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Healthcare sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CLOV are available on the CLOV stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. CLOV is classified as a mid company.

Which hedge funds own CLOV?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CLOV. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CLOVER HEALTH INVESTMENTS, CORP. /DE's investment landscape.