Clover Health Set to Announce Q4 Earnings on February 26
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 5 days ago
0mins
Should l Buy CLOV?
Source: seekingalpha
- Earnings Announcement: Clover Health (CLOV) is set to release its Q4 earnings on February 26 after market close, with consensus EPS estimated at -$0.05 and revenue expected to reach $467.06 million, reflecting a robust 38.6% year-over-year growth that indicates positive revenue trends.
- Profit Potential: Analysts suggest that Clover Health is undervalued, with clear signs pointing to a potential profit breakout by 2026, which could attract more investor interest and drive stock price appreciation.
- Conference Presentations: Clover Health showcased its strategic positioning and future growth plans at the 44th Annual J.P. Morgan Healthcare Conference and the 2025 Citi Annual Global Healthcare Conference, enhancing market confidence in its long-term prospects.
- Medicare Advantage Growth: The company experienced a 53% increase in Medicare Advantage enrollments, a significant growth that not only boosts market share but also lays a strong foundation for future revenue growth, strengthening its competitive position in the healthcare market.
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Analyst Views on CLOV
Wall Street analysts forecast CLOV stock price to rise
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 2.090
Low
3.00
Averages
3.35
High
3.70
Current: 2.090
Low
3.00
Averages
3.35
High
3.70
About CLOV
Clover Health Investments, Corp. is a physician enablement technology company. The Company is focused on bringing access to healthcare to everyone on Medicare. This includes a health equity-based focus on seniors, who have historically lacked access to affordable healthcare. Its software platform, Clover Assistant, is designed to aggregate patient data from across the healthcare ecosystem to support clinical decision-making and improve health outcomes through the early identification and management of chronic disease. The Company, through its Insurance segment, provides Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) plans to Medicare Advantage (MA) members in several states, with a differentiated focus on its flagship wide-network, high-choice PPO plans. For healthcare providers outside its MA plan, it focuses on extending the benefits of its data-driven technology platform to a wider audience via its subsidiary, Counterpart Health, Inc.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
United Airlines and Clover Health Options Trading Active
- United Airlines Options Volume: As of today, United Airlines (UAL) options volume reached 32,010 contracts, representing approximately 3.2 million shares, which is about 55.3% of its average daily trading volume over the past month, indicating significant market interest.
- High Volume Contracts: Notably, the $125 strike call option expiring on March 20, 2026, has seen 1,966 contracts traded today, equating to approximately 196,600 underlying shares, reflecting investor expectations for future price increases.
- Clover Health Options Activity: Clover Health (CLOV) options trading volume stands at 31,299 contracts, representing around 3.1 million shares or approximately 53.7% of its average daily trading volume over the past month, showcasing the stock's market activity.
- Key Contract Insights: The $2.50 strike call option expiring on March 6, 2026, has recorded a trading volume of 6,629 contracts today, amounting to approximately 662,900 shares, indicating investor confidence in the stock's short-term upward potential.
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Target Price Adjustment: The company has had its target price cut to $2.75 from $3 by UBS, indicating a reassessment of its market value.
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Clover Health (CLOV) Q4 2025 Earnings Transcript
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Clover Health Reports Strong 2025 Earnings and Growth Outlook
- Profitability Improvement: Clover Health achieved adjusted EBITDA profitability in 2025, with insurance revenue reaching $1.9 billion, a 41% year-over-year increase, demonstrating significant success in medical cost control and membership growth, and expects to achieve GAAP net income profitability for the first time in 2026.
- Strong Membership Growth: By the end of 2025, Clover's Medicare Advantage membership increased by 38% year-over-year to approximately 140,000 members, reflecting enhanced competitive positioning in the market, with expectations for membership to grow further to between 154,000 and 158,000 in 2026.
- Significant Revenue Growth: Insurance revenue for Q4 2025 was $486 million, a 47% year-over-year increase, while total revenue grew by 40%, showcasing Clover's market leadership, with projected total revenue for 2026 expected to reach between $2.810 billion and $2.920 billion, reflecting a 49% growth.
- Effective Cost Management: Clover reported a consolidated gross profit of $356 million for 2025, with adjusted SG&A as a percentage of total revenue improving to 20% in Q4, indicating ongoing efforts in cost control and operational efficiency, thereby strengthening the foundation for future profitability.
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Clover Health Projects 2026 Revenue Above Consensus Estimates
- Optimistic Revenue Outlook: Clover Health projects 2026 revenue between $2.81 billion and $2.92 billion, exceeding the consensus estimate of $2.74 billion, indicating strong confidence in future growth that may attract more investor interest.
- Significant Membership Growth: The company anticipates Medicare Advantage membership to reach 154,000 to 158,000 in 2026, representing approximately 46% year-over-year growth, which highlights substantial progress in market expansion and customer acquisition.
- Increased Cost Pressures: Despite revenue growth, Clover Health's total operating costs surged nearly 50% year-over-year to $537 million in the latest quarter, leading to a widened net loss of $0.10 per share, indicating challenges in profitability.
- Cash Flow Status: As of the end of 2025, the company reported cash, cash equivalents, and investments totaling $319.9 million, down from $437.6 million on December 31, 2024, reflecting the need for careful cash flow management during its expansion phase.
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Clover Health Q4 Earnings Beat Expectations, 2026 Guidance Optimistic
- Strong Earnings Report: Clover Health reported a Q4 GAAP EPS of -$0.10, in line with expectations, while revenue reached $487.7 million, reflecting a 44.7% year-over-year increase and exceeding market expectations by $20.64 million, indicating robust performance in the Medicare market.
- Positive 2026 Guidance: The company anticipates an average Medicare Advantage membership of 154,000 to 158,000 in 2026, representing a 46% year-over-year growth, with total revenues projected between $2.81 billion and $2.92 billion, reflecting a 49% growth rate, showcasing confidence in future expansion.
- Gross Profit and EBITDA Outlook: Expected consolidated gross profit for 2026 is between $470 million and $510 million, indicating a 38% year-over-year growth, while adjusted EBITDA profitability is forecasted between $50 million and $70 million, demonstrating ongoing improvements in profitability.
- Significant Membership Growth: In 2025, Medicare Advantage membership reached 113,803, up 38% year-over-year, with total revenues of $1.9 billion, a 40% increase, despite a GAAP net loss of $86 million, the adjusted net income of $20 million highlights the company's success in expanding market share.
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United Airlines and Clover Health Options Trading Active
- United Airlines Options Volume: As of today, United Airlines (UAL) options volume reached 32,010 contracts, representing approximately 3.2 million shares, which is about 55.3% of its average daily trading volume over the past month, indicating significant market interest.
- High Volume Contracts: Notably, the $125 strike call option expiring on March 20, 2026, has seen 1,966 contracts traded today, equating to approximately 196,600 underlying shares, reflecting investor expectations for future price increases.
- Clover Health Options Activity: Clover Health (CLOV) options trading volume stands at 31,299 contracts, representing around 3.1 million shares or approximately 53.7% of its average daily trading volume over the past month, showcasing the stock's market activity.
- Key Contract Insights: The $2.50 strike call option expiring on March 6, 2026, has recorded a trading volume of 6,629 contracts today, amounting to approximately 662,900 shares, indicating investor confidence in the stock's short-term upward potential.
See More
CLOVER HEALTH INVESTMENTS CORP: UBS Lowers Price Target to $2.75 from $3
Company Overview: Clover Health Investments Corp is a healthcare company focused on providing Medicare Advantage plans.
Target Price Adjustment: The company has had its target price cut to $2.75 from $3 by UBS, indicating a reassessment of its market value.
See More
Clover Health (CLOV) Q4 2025 Earnings Transcript
See More
Clover Health Reports Strong 2025 Earnings and Growth Outlook
- Profitability Improvement: Clover Health achieved adjusted EBITDA profitability in 2025, with insurance revenue reaching $1.9 billion, a 41% year-over-year increase, demonstrating significant success in medical cost control and membership growth, and expects to achieve GAAP net income profitability for the first time in 2026.
- Strong Membership Growth: By the end of 2025, Clover's Medicare Advantage membership increased by 38% year-over-year to approximately 140,000 members, reflecting enhanced competitive positioning in the market, with expectations for membership to grow further to between 154,000 and 158,000 in 2026.
- Significant Revenue Growth: Insurance revenue for Q4 2025 was $486 million, a 47% year-over-year increase, while total revenue grew by 40%, showcasing Clover's market leadership, with projected total revenue for 2026 expected to reach between $2.810 billion and $2.920 billion, reflecting a 49% growth.
- Effective Cost Management: Clover reported a consolidated gross profit of $356 million for 2025, with adjusted SG&A as a percentage of total revenue improving to 20% in Q4, indicating ongoing efforts in cost control and operational efficiency, thereby strengthening the foundation for future profitability.
See More
Clover Health Projects 2026 Revenue Above Consensus Estimates
- Optimistic Revenue Outlook: Clover Health projects 2026 revenue between $2.81 billion and $2.92 billion, exceeding the consensus estimate of $2.74 billion, indicating strong confidence in future growth that may attract more investor interest.
- Significant Membership Growth: The company anticipates Medicare Advantage membership to reach 154,000 to 158,000 in 2026, representing approximately 46% year-over-year growth, which highlights substantial progress in market expansion and customer acquisition.
- Increased Cost Pressures: Despite revenue growth, Clover Health's total operating costs surged nearly 50% year-over-year to $537 million in the latest quarter, leading to a widened net loss of $0.10 per share, indicating challenges in profitability.
- Cash Flow Status: As of the end of 2025, the company reported cash, cash equivalents, and investments totaling $319.9 million, down from $437.6 million on December 31, 2024, reflecting the need for careful cash flow management during its expansion phase.
See More
Clover Health Q4 Earnings Beat Expectations, 2026 Guidance Optimistic
- Strong Earnings Report: Clover Health reported a Q4 GAAP EPS of -$0.10, in line with expectations, while revenue reached $487.7 million, reflecting a 44.7% year-over-year increase and exceeding market expectations by $20.64 million, indicating robust performance in the Medicare market.
- Positive 2026 Guidance: The company anticipates an average Medicare Advantage membership of 154,000 to 158,000 in 2026, representing a 46% year-over-year growth, with total revenues projected between $2.81 billion and $2.92 billion, reflecting a 49% growth rate, showcasing confidence in future expansion.
- Gross Profit and EBITDA Outlook: Expected consolidated gross profit for 2026 is between $470 million and $510 million, indicating a 38% year-over-year growth, while adjusted EBITDA profitability is forecasted between $50 million and $70 million, demonstrating ongoing improvements in profitability.
- Significant Membership Growth: In 2025, Medicare Advantage membership reached 113,803, up 38% year-over-year, with total revenues of $1.9 billion, a 40% increase, despite a GAAP net loss of $86 million, the adjusted net income of $20 million highlights the company's success in expanding market share.
See More
