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CLCLOV

Clover Health Investments, Corp.

$CLOV·$2.3B·Medical - Healthcare Plans·Healthcare
$4.66-3.4%YTD+102.5%1Y+60.7%
Mentions · last 7 days
2026-07-07: 48 posts2026-07-08: 60 posts2026-07-09: 42 posts2026-07-10: 57 posts2026-07-11: 38 posts2026-07-12: 48 posts2026-07-13: 110 posts406+8%
Price updated 10m ago·X counts updated 2d ago
CLCLOV
$CLOVClover Health Investments, Corp.
$4.66-3.42%406 posts+8%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $CLOV, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptEvent coming upAI verdict · as of 2026-07-15

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

Medicare Advantage turnaround up 102% YTD with the 4.5-star CMS upgrade — but CEO Toy just sold $1.67M into the strength.

Clover Health runs a Medicare Advantage insurance business built around its Clover Assistant clinical-decision-support software. After a brutal drawdown, it's finally showing signs of a genuine turnaround, and the CMS star-rating just re-rated the story.

How the setup lands:

  • Growth is genuinely explosive: Q1 revenue grew 62% year-over-year to $749M with the first meaningful positive operating margin (3.6%) in years — meaning the platform is scaling into profitability on its Medicare Advantage book.
  • The 4.5-star CMS upgrade is transformational: PPO contract H5141 was recalculated from 3.5 to 4.5 stars, which translates directly to higher Quality Bonus Payments in 2027 — this is the specific catalyst that revalued the business.
  • The insider signal is negative and specific: CEO Toy sold $1.67M on July 1, and officer Reynoso sold across three separate July transactions — that's the top of the org chart distributing into the run, and it's the specific caveat against the momentum.

Aug 5 earnings decides direction: another positive-margin quarter combined with any additional star-rating disclosure or member-growth commentary would push shares toward $6, while a soft print combined with the fresh CEO selling would confirm the top-tick risk and pull shares back to the $4 support the recent breakdown established.

Agrees with X sentimentAgree with the two-sided X read — the potential intraday bottom into Aug 5 earnings, the Schwab upgrade from D to C, and the 1.98% squeeze are all real. The Alignment Healthcare drawdown as broader Medicare Advantage sector pressure is a fair systemic caveat.

What to watch: Aug 5 earnings: revenue growth vs 60% base, operating margin trend, member growth, and any additional star-rating color. A soft print with continued CEO selling confirms the top-tick and pulls shares to $4.

On the calendar: 2026-08-05 — Q2 2026 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Mixed sentiment12 posts analyzed · as of 2026-07-14

Clover Health commentary is split between bulls citing a potential intraday bottom ahead of August 5 Q2 earnings, a Schwab upgrade from D to C, and a 1.98% squeeze through $5.10 resistance, and bears pointing to a breakdown below prior support that prompted position exits near $4.55. The broader Medicare Advantage space is under pressure, with Alignment Healthcare down roughly 17% in the session.

Read the AI verdict + X sentiment for $CLOV

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Medicare Advantage insurer using AI-driven clinical software to help physicians manage chronic disease patients and reduce medical costs.

Industry overviewAI analysisGenerated by AI from underlying data

Where Medical - Healthcare Plans sits in its cycle right now — and what that implies for $CLOV.

Medical - Healthcare Plans · Healthcare

No material change from last week — Oscar Health's AI-driven clinical platform is gaining member growth while the UNH Medicaid fraud litigation adds regulatory risk to legacy insurers.

What this means for $CLOV

Partial — Medicare Advantage insurer using AI-driven clinical software to help physicians manage chronic disease patients and reduce medical costs; this segment overlaps with the AI-driven clinical platform growth vs. government payer headwind but is not the dominant revenue driver.

Top industry ETF

$IHFiShares U.S. Healthcare Providers ETF
+18.7%YTD
+26.0%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-36.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
-15.8%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
-2.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
2.6%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.9Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-17.1%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
18.4%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 6, 2026$0.07$0.070.0%
Q4 2025Feb 26, 2026$-0.05$-0.10+51.0%
Q3 2025Nov 4, 2025$-0.05$0.02-350.0%
Q2 2025Aug 5, 2025$0.03$0.030.0%
Next earningsWed, Aug 5·consensus EPS $0.05

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$749.2M+62.0%21.3%3.6%$0.05$107.0M
Q4 FY25$487.7M+44.7%15.2%-10.1%$-0.10$-68.7M
Q3 FY25$496.6M+50.1%14.7%-4.9%$-0.05$11.4M
Q2 FY25$477.6M+34.1%20.9%-2.2%$-0.02$4.8M

Forward consensus

5-year forecast · up to 2 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$2.9B$2.9B – $2.9B$0.04$0.04 – $0.042
FY27$3.3B$3.3B – $3.3B$0.05$0.05 – $0.052
FY28$3.7B$3.7B – $3.7B$0.13$0.08 – $0.172
FY29$4.3B$4.3B – $4.3B$0.21$0.21 – $0.211
FY30$4.8B$4.8B – $4.8B$0.28$0.28 – $0.281

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.81%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+15.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+67.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 408.5M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.2% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β2.425-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJul 8Jamie L. ReynosoCEO2.4K sh$11KSellJul 6Jamie L. ReynosoCEO6.2K sh$33KSellJul 1Andrew ToyCEO313.5K sh$1.7MSellJun 17Jamie L. ReynosoCEO2.4K sh$11KSellJun 16Oldakowski Joseph FrankVP OF FINANCE AND CONTROLLER12.1K sh$59KSellJun 15Karen SoaresChief Legal Officer4.7K sh$22KSellJun 15Jamie L. ReynosoCEO6.3K sh$29KSellJun 11Jamie L. ReynosoCEO7.3K sh$36KSellMay 28Conrad WaiCEO220.4K sh$879KSellMay 18Edwards Carladenise ArmbristerDirector67.2K sh$230K
1–10 of 14
+ 24 other (19 inkinds · 5 awards) in window

See when $CLOV insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KOfficer or director changeJun 168-K — Item 5.02: Officer or director change
AI summary

Clover Health Investments Corp. (CLOV) filed an 8-K Item 5.02 on June 16, 2026 reporting a change involving a director or officer. Body unavailable — excerpt contains only XBRL/cover boilerplate without the specific personnel change details.

8-KShareholder voteJun 128-K — Item 5.07: Shareholder vote
AI summary

Clover Health Investments held its 2026 Annual Meeting on June 10, 2026. Shareholders (Class A: 1 vote/share; Class B: 10 votes/share) elected Class II directors Demetrios L. Kouzoukas (1.003B for), Andrew Toy (1.011B for), and Thomas L. Tran, with 177.8M broker non-votes; ratified the auditor; and approved Say-on-Pay. All proposals passed — routine governance filing for the AI-driven Medicare Advantage insurer.

8-KPress release / Reg FDMay 188-K — Item 7.01: Press release / Reg FD
AI summary

Clover Health Investments, Corp. (CLOV) issued supplemental responses via Reg FD on May 18, 2026 to frequently asked questions submitted by shareholders in connection with the company's Q1 2026 earnings announcement, to further engage with its shareholder base. The specific Q&A content and financial data are not included in the available excerpt. This is a routine supplemental investor communications disclosure, less material than a primary earnings release.

3New insider — initial holdingsApr 93
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for CLOV on 2026-04-09, initiating required Section 16 reporting. Role: of Reporting Person. Beneficial ownership covers 311,169 shares. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3/ANew insider — initial holdingsApr 93/A
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3/A (amended) for CLOV on 2026-04-09, initiating required Section 16 reporting. Role: of Reporting Person. Beneficial ownership covers 912,860 shares. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

3New insider — initial holdingsApr 93
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for CLOV on 2026-04-09, initiating required Section 16 reporting. Role: of Reporting Person. Beneficial ownership covers 912,860 shares. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

8-KOfficer or director changeApr 18-K — Item 5.02: Officer or director change · Item 8.01: Other event
AI summary

CLOV disclosed a personnel change (8-K Item 5.02, dated 2026-04-01). An executive departure and a new appointment are both reported. Clay Thornton as the Interim Chief Financial. Personnel changes are generally administrative; materiality depends on seniority and circumstances.

8-K/APress release / Reg FD (amended)Mar 68-K/A — Item 7.01: Press release / Reg FD
+ 12 other (2 routine 8-Ks · 2 earnings 8-Ks · 2 proxys · 1 10-Q) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Clover Health to Report Second Quarter 2026 Financial Results on August 5, 2026globenewswire.com·6d agoClinical Excellence in Continuity of Care: Counterpart Assistant (CA) Use Associated With Stronger Performance Across Transitions of Care Measures and Post-Hospitalization Follow-Upglobenewswire.com·8d agoClover Health's CEO Sold Company Shares Worth $1.7 Million. Here's What That Means for Investors.fool.com·9d agoA Clover Health Director Sold Over 67,000 Company Shares. Here's a Closer Look at the Transaction.fool.com·18d agoClover Health Stock Extends Gains After Court Forces CMS to Upgrade Medicare Star Ratingbenzinga.com·34d ago

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