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TickerTalks›$CLOV
CLCLOV

Clover Health Investments, Corp.

$CLOV·$2.4B·Medical - Healthcare Plans·Healthcare
$4.48-4.3%YTD+96.6%1Y+65.9%
Price updated 7h ago·X counts updated 5d ago
CLCLOV
$CLOVClover Health Investments, Corp.
$4.48-4.27%336 posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $CLOV on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

336X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $CLOV's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Bullish sentimentAI analysisGenerated by AI from underlying data7 posts analyzed · as of 2026-10-02

X is bullish on Clover Health's Counterpart adoption catalyst — Humana jumped 4.63% and reportedly named Counterpart in a job listing with a confirmed limited pilot, Ryan's management responses are focused on turning broader Counterpart adoption into measurable results, and the new board (former Senator Torricelli added) is being read as a signal. The frame is "the next shoe is Humana expansion, and most people are missing the setup."

Read what X is saying about $CLOV

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $CLOV — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-10-03

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Clover's Counterpart AI platform is getting the Humana shoe-drop setup — Nov 3 earnings is the catalyst.

Clover Health is a technology-first Medicare Advantage insurer whose Counterpart AI platform licenses its clinical-insights toolkit to competitor insurers — a B2B pivot that could reset the valuation if adopted at scale by larger MA plans.

  • The P&L has quietly inflected: Q2 revenue grew 62% YoY to $749M at a positive operating margin of 3.6% and EPS of $0.05, with trailing EPS beats of 29% and 0% — a company making real money on its core MA book while the Counterpart option builds.
  • The specific catalyst stack is a Humana angle: a Humana job listing reportedly naming Counterpart in a limited pilot, plus a new board with former Senator Robert Torricelli and Dr. Brian Miller joining — these are the governance and distribution signals that typically precede a larger plan validation.

At 70% of its 52-week range going into Nov 3 earnings, the setup is coiled on specific adoption catalysts. A confirmed Humana expansion plus any additional named Counterpart customer in the Q3 commentary is the trigger for a sustained move; silence on Humana expansion with another in-line MA quarter keeps the stock stuck.

Agrees with X sentimentThe 'next shoe is Humana expansion' framing is grounded on the job-listing datapoint and the board additions. The thread captures the setup well — this is a 'most people missing it' setup until the catalyst arrives.

What to watch: Nov 3 Q3 earnings — Counterpart ARR, MA plan growth, operating margin direction, and any named Humana or other large-plan commentary. Named large-plan adoption is the trigger; silence is the invalidation.

On the calendar: 2026-11-03 — Q3 earnings

event ahead 30dplatform pivot

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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

Medicaid redeterminations (post-COVID eligibility reviews) have reduced Medicaid enrollment ~15M from peak, improving commercial insurance mix at managed care organizations; Medicare Advantage star ratings and benchmark rate adjustments are the primary 2026 earnings variable. MLR creep from utilization recovery and GLP-1 pharmacy costs are the key margin headwinds.

What this means for $CLOV

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

Top industry ETF

$IHFiShares U.S. Healthcare Providers ETF
+19.1%YTD
+16.8%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
Q2 2026Aug 5, 2026$0.05$0.04+29.4%
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%
Next earningsWed, Nov 4·consensus EPS $-0.00

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 3 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$3.0B$2.9B – $3.0B$0.06$0.05 – $0.063
FY27$3.5B$3.5B – $3.6B$0.10$0.10 – $0.103
FY28$3.9B$3.9B – $4.0B$0.17$0.09 – $0.263
FY29$4.3B$4.3B – $4.4B$0.24$0.23 – $0.241
FY30$4.8B$4.7B – $4.9B$0.24$0.24 – $0.242

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.0.8×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.72%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.+0.4%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.+30.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 410.5M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.9% 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.β2.465-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

SellOct 7Jamie L. ReynosoCEO2.0K sh$9KSellOct 5Jamie L. ReynosoCEO8.8K sh$39KSellOct 1Andrew ToyCEO318.8K sh$1.3MSellSep 17Jamie L. ReynosoCEO1.9K sh$9KSellSep 16Oldakowski Joseph FrankVP OF FINANCE AND CONTROLLER3.2K sh$15KSellSep 15Conrad WaiCEO300.0K sh$1.4MSellSep 15Jamie L. ReynosoCEO9.3K sh$44KSellSep 15Karen SoaresChief Legal Officer6.8K sh$33KSellSep 14Oldakowski Joseph FrankVP OF FINANCE AND CONTROLLER20.0K sh$103KSellAug 17Thornton Joseph ClayCFO17.8K sh$78K
1–10 of 29
+ 6 other (4 awards · 2 inkinds) 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-KPress release / Reg FDOct 98-K — Item 7.01: Press release / Reg FD
3New insider — initial holdingsOct 13
AI summary

Robert G Torricelli filed a initial Form 3 beneficial ownership statement for CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) on 2026-10-01, reporting their status as a director. This is an administrative Section 16 disclosure required when a new insider (director, officer, or 10% holder) first reports their holdings; it signals a change in the company's executive or governance structure rather than a market transaction.

3New insider — initial holdingsOct 13
AI summary

Brian James Miller filed a initial Form 3 beneficial ownership statement for CLOVER HEALTH INVESTMENTS, CORP. /DE (CLOV) on 2026-10-01, reporting their status as a director. This is an administrative Section 16 disclosure required when a new insider (director, officer, or 10% holder) first reports their holdings; it signals a change in the company's executive or governance structure rather than a market transaction.

8-K/AOfficer or director change (amended)Sep 258-K/A — Item 5.02: Officer or director change
AI summary

Clover Health Investments Corp. filed Amendment No. 1 (8-K/A) to its previously filed Form 8-K dated September 24, 2026, which had disclosed an officer or director change under Item 5.02. The sole purpose of this amendment is to make an administrative correction to the original filing; no new material information is being disclosed. This is a routine corrective filing with no operational significance.

8-KOfficer or director changeSep 248-K — Item 5.02: Officer or director change
AI summary

Clover Health Investments (CLOV) appointed two new directors to its Board on September 22, 2026: Senator Robert G. Torricelli as Class I director (assigned to the Audit Committee) and Dr. Brian J. Miller, M.D., M.B.A., M.P.H. as Class III director (assigned to the Clinical Committee). No financial terms were disclosed. This is an administrative governance expansion bringing a policy/regulatory perspective and clinical expertise to the board of this Medicare Advantage insurer.

8-KPress release / Reg FDAug 208-K — Item 7.01: Press release / Reg FD
AI summary

Clover Health published supplemental written Q&A responses to frequently asked investor questions submitted in connection with its Q2 2026 earnings announcement, furnished as Exhibit 99.1 and posted on its investor relations website. No specific financial figures are reproduced in the filing body. This is a routine post-earnings investor engagement disclosure with no independent material financial or strategic content.

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.

+ 11 other (3 routine 8-Ks · 2 10-Qs · 2 earnings 8-Ks · 2 proxys) in window

Recent news

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

Clover Health Medicare Advantage PPO Plans Earn 5 Star Rating for 2027globenewswire.com·8d agoAt 67, He’ll Keep His Clover Medicare Advantage Plan for 2027. The Premium Will Stay $0. The Most He Can Be Billed Will Jump $1,144247wallst.com·9d agoClover Health to Report Third Quarter 2026 Financial Results on November 4, 2026globenewswire.com·10d agoClover Health's 2027 Medicare Advantage Plans Emphasize PPO Choice, Preventive Care and Member Valueglobenewswire.com·16d agoUPDATE – Clover Health Welcomes Former U.S. Senator Robert Torricelli and Dr. Brian J. Miller M.D.globenewswire.com·22d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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