Symbols

CLOV

Clover Health·NASDAQ

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CLOV fundamentals

CLOV Q4 2025 Earnings

Clover Health (CLOV) released its earnings on Feb 26, 2026: revenue was 487.71M (YoY +44.74%), missed estimates; EPS was -0.0506 (YoY -26.50%), beat estimates.

Revenue / YoY

487.71M

+44.74%

EPS / YoY

-0.0506

-26.50%

Report date

Feb 26, 2026

CLOV Earnings Call Summary for Q4,2025

2025 Execution Success: Achieved $22M adjusted EBITDA profitability with 38% membership growth, 5% medical cost trend, and 95%+ retention.
2026 GAAP Net Income Guidance: $0-$20M net income, driven by 4-star year, $470M+ gross profit, and 15-16% SG&A leverage.
Structural Strength: 2/3 of members use Clover Assistant, with 2026 new member unit economics improving as cohorts mature.
Counterpart Expansion: Targeting equal lives under Counterpart Assistant, with AI-powered care management as long-term growth engine.

Earnings

EPS

Revenue

Revenue & Expenses

CLOV has released its 2025 Q4 earnings report, with revenue of 487.71M, reflecting a YoY change of 44.74%, and net profit of -49.32M, showing a YoY change of -123.25%. The Sankey diagram below clearly presents CLOV's revenue sources and cost distribution.

Key Indicators

Clover Health (CLOV) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Clover Health (CLOV)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Clover Health (CLOV)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Clover Health (CLOV)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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