{"schema_version":"secwatch.filing_event.v1","accession":"0001801170-22-000082","form_type":"8-K","ticker":"CLOV","cik":"0001801170","company_name":"CLOVER HEALTH INVESTMENTS, CORP. /DE","filed_at":"2022-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:52.173086+00:00","generated_at":"2026-06-22T05:44:41.089551+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Clover Health Q3 revenue $856.8M, Insurance MCR improves to 86.3%; updates 2022 guidance","bullets":["Total revenue $856.8M more than doubled vs $427.2M YoY; net loss widened to $75.3M from $34.5M.","Insurance MCR improved to 86.3% in Q3 (vs 102.5% YoY); YTD Insurance MCR 91.7% vs 120.4% YoY.","Updated 2022 guidance: Insurance MCR range narrowed to 93%-94% (from prior 102%-106%).","Plans to moderate 2023 Insurance growth to prioritize profitability; reduce ACO REACH physician count.","Adjusted EBITDA loss narrowed to $58.3M from $79.7M YoY; strong liquidity, no capital need through 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001801170-22-000082","json":"https://secwatch.observer/filing/0001801170-22-000082.json","markdown":"https://secwatch.observer/filing/0001801170-22-000082.md","text":"https://secwatch.observer/filing/0001801170-22-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1801170/000180117022000082/0001801170-22-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1801170/000180117022000082/clov-20221107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T05:44:41.089551+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"6f48c85ac63be02c0c9b1d6bec15a08421f61003","claim":"CLOVER HEALTH INVESTMENTS, CORP. /DE reported third quarter of 2022 results: revenue $ 856.8, net income (75.3).","evidence_excerpt":"Dollars in Millions Q3'22 Q3'21 Total revenue $ 856.8 $ 427.2","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1801170/000180117022000082/0001801170-22-000082-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of 2022"},{"label":"Revenue","value":"$ 856.8"},{"label":"Net income","value":"(75.3)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}