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. The Company’s management will host a webcast presentation at 5:00 p.m. Eastern Time on the same day to discuss the company’s business and financial performance for the quarter. Fourth Quarter and Full Year 2025 Conference Webcast Details: What: Clover ...

Core Insights - Clover Health Investments, listed as NASDAQ:CLOV, is focused on improving health outcomes through Medicare Advantage plans and its proprietary Clover Assistant technology [1] - The company has achieved a 53% increase in membership, reaching approximately 153,000 members as of January 1, 2026 [2][6] - Clover Health is on track to achieve GAAP profitability by 2026, supported by strong member retention rates exceeding 95% and improved margins [3][6] Membership and Growth - Clover Health's membership has increased significantly, with a 53% rise to about 153,000 members as of January 1, 2026 [2][6] - The company is expanding its platform through Counterpart Health, moving beyond just Medicare Advantage plans [3] Financial Performance - Clover Health is projected to achieve GAAP profitability by 2026, driven by high member retention rates and improved cost ratios [3][6] - The company currently has a negative P/E ratio of -22.77, indicating unprofitability, while the price-to-sales ratio is 0.75 and the enterprise value to sales ratio is 0.65, suggesting a lower valuation [5] - Clover Health has a current ratio of 1.71, indicating good liquidity to cover short-term liabilities [5] Market Challenges - Despite positive developments, Clover Health faces challenges such as elevated medical costs and execution risks in scaling its Clover Assistant technology [4] - Over the past six months, CLOV shares have declined by 18.3%, underperforming the industry, which saw a 14% decline, while the S&P 500 Index rose by 12.9% during the same period [4]

Core Insights - Clover Health Investments (CLOV) is positioned for growth due to its technology-driven care model, evidenced by membership growth, rising revenues, and sustained adjusted EBITDA profitability [2][3] - The company faces near-term challenges including elevated medical costs, margin pressure, and execution risks related to scaling its Clover Assistant platform [2] Financial Performance - CLOV shares have decreased by 18.3% over the past six months, while the industry has declined by 14%, and the S&P 500 Index has increased by 12.9% during the same period [3] - The company has a market capitalization of $1.31 billion and projects a 40% earnings growth for Q1 2026 [3] - Earnings have surpassed estimates in two of the last four quarters, with an average surprise of 50% [4] Growth Drivers - Clover Assistant significantly enhances the company's economic model, with returning members generating approximately $217 in contribution profit per member per month, contrasting with a loss of about $110 for first-year members [5] - The company reported a 53% year-over-year growth in Medicare Advantage PPO membership during the 2026 Annual Enrollment Period, starting 2026 with a total membership of 153,000 [7][10] - Clover Health retained over 95% of its members during the enrollment period, indicating strong member loyalty and community presence [11] Strategic Initiatives - Counterpart Health represents a strategic extension of Clover Assistant, targeting smaller, independent physicians and potentially diversifying Clover Health's revenue streams [13] - The company is expanding Counterpart's capabilities and has seen early traction with provider groups, which could evolve into a scalable revenue stream [14] Challenges - The mix of new first-year members has led to near-term margin compression due to higher medical costs and marketing expenses [15] - Increased utilization of services, particularly in oncology and surgical procedures, has impacted medical costs and margins [17] - Weak performance in pharmacy-related measures has offset strong clinical quality results, making pharmacy execution a key focus area for improvement [19] Estimate Trends - The Zacks Consensus Estimate for earnings has remained stable at 6 cents per share for 2026, with projected revenues of $646.2 million for Q1 2026 [20]

Core Insights - Clover Health Investments (CLOV) reported a 53% year-over-year growth in Medicare Advantage PPO membership during the 2026 Annual Enrollment Period (AEP), starting 2026 with a total membership of 153,000 [1][8] - The company anticipates achieving full-year GAAP net income profitability in 2026, supported by strong member retention, growth in new members, and the effective use of Clover Assistant [2][9] Membership Growth and Retention - Clover Health retained over 95% of its members by maintaining stable plan benefits and expanding its presence in core markets [8][10] - The company experienced intentional growth in its PPO plans, with new members switching from other Medicare Advantage plans [10] Financial Performance and Profitability Outlook - Clover Health is positioned to demonstrate the scalability of its technology-enabled Medicare Advantage model, with expectations of improved margins and earnings due to membership growth, retention, and operational efficiencies [4][9] - The company benefits from higher payments from its 4.0-star-rated PPO plans, a favorable CMS rate update, and increased Part D subsidies [9] Market Position and Competitive Advantage - More than 97% of Clover Health's Medicare Advantage members are enrolled in its main PPO plan, which has been ranked the number one PPO plan in the country based on HEDIS quality measures for two consecutive years [11] - The company's AI-enabled technology has shown effectiveness in improving care quality and lowering costs, with significant growth in the adoption of its Counterpart Assistant [13][14] Industry Prospects - The individual health insurance market is valued at $150.05 billion in 2025, with a projected CAGR of 6.43% through 2035, driven by the changing healthcare landscape and the integration of technology [12]

Clover Health Investments FY Conference Summary Company Overview - **Company**: Clover Health Investments (NasdaqGS:CLOV) - **Industry**: Medicare Advantage Key Points and Arguments Financial Performance - Clover Health achieved **Adjusted EBITDA profitability** last year and aims for **GAAP net income profitability** in the current year [2][3] - The company reported a **53% year-on-year growth** in membership, increasing from approximately **100,000 to 150,000 members** [4][18] - The previous year’s growth was **27%**, indicating a significant acceleration in growth [4] - Clover Health is focused on **disciplined growth** in core markets, emphasizing high retention rates among members [5][20] Clinical Quality and Technology - Clover Health is recognized as the **number one PPO in the country** for Medicare Advantage based on **HEDIS quality** metrics for two consecutive years [5][39] - The company utilizes an **AI-driven technology platform** called Clover Assistant, which empowers physicians to identify and manage chronic diseases earlier, leading to improved clinical outcomes [6][11] - The technology is designed to be accessible to all physicians, not just a select few, which differentiates Clover from other health plans [8][9] Market Strategy - Clover Health is strategically focused on **growing within core markets** where it has established management capabilities and technology [5][18] - The company plans to expand its **Counterpart Health** division, which offers its technology to other health plans, thereby increasing its market reach [28][30] - Clover Health aims to maintain a **four-star payment year** in 2026, benefiting from a favorable **CMS rate notice** and increased **Part D direct subsidy** [20][41] Member Economics - The company acknowledges that **first-year members** typically have negative contribution profits but anticipates improvements in this cohort's profitability over time [21][22] - Returning cohorts are expected to drive profitability, with a focus on improving contribution profit from new members [22][39] AI and Healthcare - Clover Health emphasizes the importance of **AI in improving clinical outcomes** rather than merely focusing on AI as a product [45][48] - The company believes that advancements in foundational AI models will benefit its operations, as it integrates these improvements into its existing technology [45][46] Competitive Landscape - Clover Health differentiates itself by focusing on **physician choice** and avoiding the limitations of HMO plans, which often restrict access to specialists [13][15] - The company aims to provide a **PPO model** that combines the clinical quality management of an HMO with the flexibility of a PPO [15][16] Additional Important Insights - Clover Health is committed to **investing in technology** to enhance its service offerings and improve clinical management [27][37] - The company is focused on **SG&A efficiency** improvements, leveraging AI-driven efficiencies to enhance operational performance [21][20] - Clover Health's approach to member acquisition emphasizes **affordability and access**, with a focus on keeping costs manageable for members [53][54] This summary encapsulates the key points discussed during the Clover Health Investments FY Conference, highlighting the company's financial performance, clinical quality, technology strategy, market approach, and competitive positioning within the Medicare Advantage industry.

Financial Performance and Growth - Clover Health is positioned for 2026 GAAP Net Income profitability [9] - The company anticipates a greater than $70 Per Member Per Month (PMPM) revenue tailwind from a 4-Star rating and favorable rate update [26] - Clover Health experienced a +53% year-over-year (YoY) growth in Medicare Advantage membership, up from +27% in 2025 [11] - Clover Health expects to deliver FY26 GAAP Net Income Profitability, benefiting from 4 Stars, strong retention, stable benefits, and industry pullback [47] Clinical Model and Technology - Clover Assistant (CA) is a key component, with models trained to support improved clinical outcomes [20] - Counterpart Health (CPH) is rapidly expanding with +450% YoY customer users, scaling alongside the growing MA profit engine [37] - Clover Health's Medicare Advantage PPO plans received a score of 4.72 out of 5 Stars on HEDIS for the Plan Year 2026 [38] - Clover Assistant use is correlated with improved medication adherence, with medication fills increased by ~5% on the day of the Clover Assistant visit [118] Market and Strategy - Clover Health is focused on strategic market-leading growth [18] - The company is targeting sustained Adjusted EBITDA profitability [11] - Approximately 97% of members are in current 4 Star payment year PPO [11]

Core Insights - Clover Health Investments, Corp. reported a 53% year-over-year growth in Medicare Advantage (MA) PPO plans for the 2026 plan year, reaching approximately 153,000 members, indicating disciplined growth in core markets and strong retention [1][5] - The company anticipates achieving its first-ever full year GAAP Net Income profitability in 2026, driven by strong cohort economics and operational efficiencies [5][4] Key AEP and Business Highlights - Clover's AEP performance reflects the effectiveness of robust plan benefits, Clover Assistant-enabled clinical performance, and a deepening market presence, leading to market-leading growth [3][4] - The company maintained stable plan benefits year-over-year, achieving over 95% member retention during the AEP, reinforcing the stability of its membership base [5] - Over 97% of Clover's January 1, 2026 membership is in its flagship PPO plan, which is ranked 1 nationally on core HEDIS metrics for the second consecutive year, showcasing the company's commitment to clinical quality [4][5] Strategic Growth Initiatives - Clover's growth strategy focuses on concentrated efforts in established core markets, leveraging strong Clover Assistant coverage and a differentiated Home Care offering to enhance care delivery and improve cohort performance [5][4] - The company expects significant improvements in new member cohort performance, supported by a 4.0 Stars rating for its PPO plans, favorable CMS rate updates, and continued operational leverage as SG&A efficiency improves with scale [5][4]

Core Insights - Clover Health Investments, Corp. reported a 53% year-over-year growth in Medicare Advantage (MA) PPO plans for the 2026 plan year, reaching approximately 153,000 members, indicating disciplined growth in core markets and strong retention [1][4][5] - The company anticipates achieving its first-ever full year GAAP Net Income profitability in 2026, driven by strong cohort economics and operational efficiencies [5][4] Key AEP and Business Highlights - Clover's AEP performance reflects the successful integration of robust plan benefits, Clover Assistant-enabled clinical performance, and a deepening market presence, leading to market-leading growth [3][4] - The company maintained stable plan benefits year-over-year, achieving over 95% member retention during the AEP, which reinforces the stability of its membership base [5][4] - Over 97% of Clover's January 1, 2026 membership is in its flagship PPO plan, which is ranked 1 nationally on core HEDIS metrics for the second consecutive year, showcasing the company's commitment to clinical quality [4][5] Strategic Growth Initiatives - Clover's growth strategy focuses on concentrated growth in established core markets, leveraging strong Clover Assistant coverage and a differentiated Home Care offering to enhance member care [5][4] - The company expects significant improvements in new member cohort performance, supported by a 4.0 Stars rating for its PPO plans, favorable CMS rate updates, and continued operational leverage as SG&A efficiency improves with scale [5][4] - Clover aims to enhance Clover Assistant coverage and primary care provider (PCP) adoption to further drive member engagement and retention [5][4]

Core Insights - Clover Health Investments (CLOV) is positioned for growth due to its diverse product offerings and technology-driven care model, evidenced by strong membership growth, increasing revenues, and sustained adjusted EBITDA profitability [2][3] - However, the company faces near-term challenges including high medical costs, margin pressure, and execution risks related to scaling its Clover Assistant platform [2] Financial Performance - CLOV shares have decreased by 12.5% over the past six months, while the industry has declined by 16.3%, and the S&P 500 has increased by 16.3% during the same period [3] - The company has a market capitalization of $1.36 billion and anticipates a 350% earnings decline for Q4 2025, with a return to growth expected in 2026 [3] - Earnings have surpassed estimates in two of the last four quarters, with an average surprise of 50% [4] Growth Drivers - Clover Assistant is a key component of the company's economic model, generating approximately $217 in contribution profit per member per month for returning members, compared to a loss of about $110 for first-year members [5] - The company achieved a 35% year-over-year membership growth and nearly 50% revenue growth in Q3 2025, maintaining a retention rate above 90% [7][9] - Management views 2025 as a transitional year, with 2026 expected to be an inflection point as a larger base of profitable returning members begins to dominate results [10] Strategic Initiatives - Counterpart Health represents a strategic extension of Clover Assistant, targeting smaller, independent physicians and presenting a "blue ocean" opportunity for revenue diversification [11] - The expansion of Counterpart's capabilities and resources has shown early traction with provider groups and payers, potentially evolving into a scalable revenue stream [12] Challenges - The company is experiencing near-term margin compression due to a higher-than-expected mix of first-year members, which carry elevated medical costs and marketing expenses [13] - Increased utilization across inpatient and outpatient services has impacted medical costs and margins, particularly in oncology, cardiac, and surgical procedures [15] - Clover received a 3.5-star rating for the 2026 payment year, falling short of its goal of achieving 4 stars, which limits near-term reimbursement upside [17][18] Estimate Trends - The Zacks Consensus Estimate for earnings has remained stable at 4 cents per share for 2025, with Q4 2025 revenue and loss per share estimates at $472.5 million and 5 cents, respectively [19]

Company Overview - Clover Health Investments, Corp. is a physician enablement technology company focused on providing access to quality healthcare for Medicare recipients, particularly seniors who have historically faced challenges in accessing affordable healthcare [2] - The company utilizes its software platform, Clover Assistant, to aggregate patient data across the healthcare ecosystem, supporting clinical decision-making and improving health outcomes through early identification and management of chronic diseases [2] - Clover Health offers PPO and HMO Medicare Advantage plans in multiple states, emphasizing its flagship wide-network, high-choice PPO plans [2] Technology and Impact - The technology platform has demonstrated positive impacts on various health metrics, including Medication Adherence, Congestive Heart Failure, Chronic Obstructive Pulmonary Disease, and outcomes in Underserved Populations [2] - The company aims to enhance patient outcomes and reduce healthcare costs on a nationwide scale through its subsidiary, Counterpart Health, which extends the benefits of its data-driven technology to a broader audience [2] Upcoming Events - The CEO of Clover Health, Andrew Toy, is scheduled to present at the J.P. Morgan 2026 Healthcare Conference on January 15, 2026, at 11:15 a.m. Eastern Time, with a live webcast available on the company's investor relations website [1]