Clover Health Investments (NasdaqGS:CLOV) 2025 Earnings Call Presentation

Financial Performance & Growth - Clover Health anticipates achieving GAAP Net income in 2026[23] - Clover Health's 3Q YTD Adjusted SG&A as a percentage of total revenues improved by 370 bps year-over-year[21] - Clover Health's 3Q YTD Medicare Advantage membership increased by 35% year-over-year, and insurance revenue increased by 39% year-over-year[24] - Clover Health projects a 33% year-over-year increase in average Medicare Advantage membership[10, 26] - Clover Health reported 3Q YTD Adjusted EBITDA of $45 million and Adjusted Net income of $44 million[24] Clover Assistant & Clinical Outcomes - Clover Assistant is associated with 18% lower all-cause hospitalizations and 25% lower 30-day readmissions for Congestive Heart Failure patients[17] - Clover Assistant is associated with 15% lower all-cause hospitalizations and 18% lower 30-day readmissions for Chronic Obstructive Pulmonary Disease patients[17] - Clover Assistant is correlated with earlier diagnosis of Chronic Kidney Disease by approximately 18 months on average[17] - Clover Assistant is correlated with earlier diagnosis of diabetes, leading to earlier treatment by approximately 36 months on average[17] HEDIS Star Ratings - Clover Health achieved a score of 4.72 out of 5 Stars on HEDIS measures for Star Rating year 2026[17, 43]