CLOV
Clover Health Investments, Corp.2.6400
+0.0200+0.76%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.36BP/E (TTM)
-Basic EPS (TTM)
-0.11Dividend Yield
0%Recent Filings
8-K
10-Q
8-K
8-K
Clover addresses shareholder queries
Clover Health released written responses to shareholder questions on August 11, 2025, ahead of its Q2 earnings, with Executive Chairman Vivek Garipalli highlighting the company's PPO model's success in delivering broad physician access and strong outcomes through AI-driven Clover Assistant. This approach contrasts competitors' narrowing networks, fostering clinician trust and data feedback for financial viability. Clover positions itself as an AI leader in Medicare Advantage by embedding technology at the point of care. Forward-looking statements note risks like regulatory changes and execution challenges.
10-Q
Q2 FY2025 results
Clover Health's Q2 FY2025 results showed robust revenue growth, with premiums earned jumping 34.3% year-over-year to $469.8M, fueled by a 32% rise in average membership to 106,323, while total revenues climbed 34.1% to $477.6M. Yet net medical claims surged 52.2% to $378.0M, pushing the benefits expense ratio to 88.4% from 76.1% amid higher Part D costs from the Inflation Reduction Act and less favorable prior-year developments; this flipped operating income to a $10.6M loss from a $7.2M gain, yielding diluted EPS of -$0.02 on 509M shares. Cash and equivalents dipped to $188.6M, with operating cash use of $10.9M for the half-year, but liquidity holds at $389.3M including investments—no debt burdens or M&A noted. Non-GAAP Adjusted EBITDA came in at $17.1M, defined and reconciled in the filing. Regulatory pressures from CMS's planned RADV audit ramp-up pose a key risk to risk-adjustment revenues.
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