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Clover Health Investments
Clover Health Investments (CLOV) investor relations material
Clover Health Investments 44th Annual J.P. Morgan Healthcare Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.44th Annual J.P. Morgan Healthcare Conference summary15 Jan, 2026
Strategic focus and achievements
Achieved 53% year-over-year Medicare Advantage membership growth to approximately 153,000, with high retention and minimal e-broker exposure.
Maintained industry-leading clinical quality, ranking as the top PPO in Medicare Advantage for HEDIS quality for two consecutive years, with 97% of members in a 4 Star payment year PPO.
Sustained Adjusted EBITDA profitability and targeting GAAP net income profitability in fiscal year 2026.
Four-star payment year and favorable CMS rate updates provide financial tailwinds, with anticipated >$70 PMPM revenue boost in 2026.
Growth strategy centers on technology-driven care management, early disease detection, and disciplined expansion in core markets.
Technology and clinical platform
Core technology, Clover Assistant, leverages AI and interoperability to empower all physicians, not just select groups.
AI-driven platform enables earlier identification and management of chronic diseases, leading to better long-term outcomes and fewer hospitalizations.
Technology is cloud-native, ML-native, and rapidly integrates advancements in foundational AI models.
Platform supports wide PPO networks, delivering HMO-level clinical quality and cost control.
Integrates 100+ data sources and proprietary AI/ML models to support clinical decision-making and improve medication adherence.
Financial and operational outlook
Returning member cohorts are increasingly profitable, with new members expected to approach break-even contribution profit.
High retention, improved SG&A efficiency, and increased Clover Assistant coverage are key profitability drivers.
Self-funded growth model relies on mature cohorts funding new member acquisition and compounding profitability.
Insurance BER improved to 89.4% with 35% YoY MA membership growth as of 3Q25.
Focused on disciplined growth in three to five core states, with technology expansion via Counterpart Health elsewhere.
Detail drivers for new member PMPM improvement
Counterpart Health's path to exceed MA lives
How does industry pullback impact NJ MA growth?
Growth sustainability with negative new member profit
Counterpart Health's role in MA market expansion
PPO/AI differentiation in 0-premium MA market
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Next Clover Health Investments earnings date
Q4 202527 Feb, 2026
Clover Health Investments
Next Clover Health Investments earnings date
Q4 202527 Feb, 2026
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Frequently asked questions
Clover Health Investments, Corp. engages in operating as a medicare advantage insurer in the United States. It receives Medicare for supplying coverage for its members who are mainly in their 65 years old to offer services such as personalized care, holistic approach, comprehensive benefit structure and predictable and affordable drug costs. Clover Health Investments, Corp. was incorporated in 2014 and is based in Franklin, Tennessee.
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