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TickerTalks›$CLOV
CLCLOV

Clover Health Investments, Corp.

$CLOV·$2.5B·Medical - Healthcare Plans·Healthcare
$4.17-1.5%YTD+79.4%1Y+60.8%
Mentions · last 7 days
2026-08-21: 7 posts2026-08-22: 12 posts2026-08-23: 7 posts2026-08-24: 11 posts92+16%
Price updated 10m ago·X counts updated 7d ago
CLCLOV
$CLOVClover Health Investments, Corp.
$4.17-1.54%92 posts+16%
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 attemptAcceleratingAI verdict · as of 2026-08-30

The move is getting stronger, with heavier trading behind it.

Medicare Advantage insurer with an AI platform — the Humana JV validation is the specific catalyst.

Clover Health is a Medicare Advantage insurer and operator of the Clover Assistant AI platform, which it also licenses to third-party payers through the Counterpart Health JV. Shares are +79% YTD and +61% TTM at $4.23.

  • Revenue and EPS are ramping: quarterly revenue ran $478M / $497M / $488M / $749M with quarterly EPS moving from $-0.02 to $+0.05 — analysts model $2.91B of full-year revenue and $0.04 EPS, so the fiscal-year GAAP profitability inflection is landing.
  • The Humana partnership is a real validation: Humana officially posting a Director-level role for its Counterpart Health JV converts what had been more than a year of speculation into a concrete partnership signal — that changes how the market prices the Clover Assistant platform's third-party licensing revenue.
  • The valuation is now anchored to peers: Devoted Health reportedly raising at ~$25B with 466K+ members makes CLOV's relative valuation (still at $2.5B) hard to ignore, and a widely-circulated Seeking Alpha $14 PT article gave the tape a specific upside anchor with institutional-ownership support.

A Nov 4 print that shows continued 2026 GAAP profit trajectory and specific Counterpart Health revenue disclosure extends the run; a soft Medicare-Advantage margin quarter, a CMS payment-rule change, or a fresh Counterpart Health slippage is what invalidates the setup.

Agrees with X sentimentX's bullish framing is well-anchored — the Humana JV validation, the Devoted Health $25B raise comp, and the institutional accumulation after the run are all real; the sample missing a CMS-payment-rule risk voice is the honest gap.

What to watch: The Nov 4 Q3 print — Medicare Advantage MBR, Counterpart Health revenue trajectory, GAAP profit progress, and any commentary on CMS payment rules. A CMS payment-rule change is what invalidates the setup.

On the calendar: 2026-11-04 — Q3 earnings

X sentiment

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

Bullish sentiment38 posts analyzed · as of 2026-08-30

Holders are electrified after a Humana careers page listed Counterpart Health as a 'strategic vendor relationship,' which posters treat as confirmation of a partnership long only rumored. The debate has shifted from 'if' to 'how big,' with institutional ownership approaching 50%, comparisons to Devoted Health's $25B private valuation, and calls to buy and hold for retirement. One skeptic warns of a slide back toward $3.50.

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

Medical loss ratio trends are the central earnings variable; Medicaid redeterminations and ACA enrollment shifts are rebalancing member mix. Prior authorization practices face regulatory pressure that could weigh on cost control levers.

What this means for $CLOV

Partial — insurance earnings follow combined ratio and investment income dynamics, partially correlated to industry macro; Clover Health Investments, Corp.

Top industry ETF

$IHFiShares U.S. Healthcare Providers ETF
+17.6%YTD
+21.9%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 2 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$2.9B$2.9B – $3.0B$0.04$0.04 – $0.042
FY27$3.4B$3.3B – $3.5B$0.08$0.07 – $0.082
FY28$3.7B$3.6B – $3.8B$0.13$0.08 – $0.172
FY29$4.3B$4.2B – $4.4B$0.21$0.20 – $0.221
FY30$4.8B$4.7B – $4.9B$0.28$0.27 – $0.291

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.1.0×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.66%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.-8.0%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.+36.7%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 today1.0% 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.β2.485-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

SellAug 17Thornton Joseph ClayCFO17.8K sh$78KSellAug 10Andrew ToyCEO87.8K sh$408KSellJul 20Karen SoaresChief Legal Officer51.7K sh$233KSellJul 17Jamie L. ReynosoCEO4.8K sh$22KSellJul 15Andrew ToyCEO62.7K sh$293KSellJul 15Conrad WaiCEO24.2K sh$113KSellJul 15Karen SoaresChief Legal Officer10.5K sh$49KSellJul 15Thornton Joseph ClayCFO4.6K sh$22KSellJul 15Jamie L. ReynosoCEO13.1K sh$61KSellJul 8Jamie L. ReynosoCEO2.4K sh$11K
1–10 of 22
+ 22 other (15 inkinds · 7 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-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.

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.

+ 14 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 Is A 'Buy' Because Of Its AIseekingalpha.com·5d agoClover Health Investments: Real Turnaround, But Already Priced Inseekingalpha.com·17d agoClover Health Is Proving Its Profit Modelseekingalpha.com·17d agoClover Health Eyes 2026 GAAP Profit as AI Platform Fuels Medicare Advantage Growthmarketbeat.com·20d agoClover Health Investments, Corp. (CLOV) Q2 2026 Earnings Call Transcriptseekingalpha.com·26d ago

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