{"schema_version":"secwatch.filing_event.v1","accession":"0001801170-23-000103","form_type":"8-K","ticker":"CLOV","cik":"0001801170","company_name":"CLOVER HEALTH INVESTMENTS, CORP. /DE","filed_at":"2023-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.519626+00:00","generated_at":"2026-06-08T21:21:43.500038+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Clover Health Q3 Adjusted EBITDA loss narrows to $5.1M; raises 2023 guidance","bullets":["Revenue $482.1M; Insurance revenue up 12% YoY to $301.2M; Non-Insurance revenue down 70% to $176.0M.","Insurance MCR improved to 78.5% from 86.3% YoY; year-to-date MCR 80.8%.","Net loss of $41.5M; Adjusted EBITDA loss of $5.1M, vs. loss of $55.5M in Q3 2022.","Full-year 2023 guidance: Insurance MCR 81%-82%, Adj. EBITDA ($55M)-($80M), improved from prior.","CEO cites Clover Assistant, operational enhancements, and 3.5-star rating for margin improvement."],"urls":{"canonical":"https://secwatch.observer/filing/0001801170-23-000103","json":"https://secwatch.observer/filing/0001801170-23-000103.json","markdown":"https://secwatch.observer/filing/0001801170-23-000103.md","text":"https://secwatch.observer/filing/0001801170-23-000103.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1801170/000180117023000103/0001801170-23-000103-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1801170/000180117023000103/clov-20231106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T21:21:43.500038+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":"4d7d87677f8b2c792514bfacfd9b4bd6d12e80b7","claim":"CLOVER HEALTH INVESTMENTS, CORP. /DE reported the third quarter 2023 results: revenue $482.1 million, net income net loss of $41.5 million. Guidance reaffirmed.","evidence_excerpt":"For the third quarter 2023, the Company reported revenue of $482.1 million and net loss of $41.5 million.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1801170/000180117023000103/0001801170-23-000103-index.htm","confidence":0.96,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter 2023"},{"label":"Revenue","value":"$482.1 million"},{"label":"Net income","value":"net loss of $41.5 million"},{"label":"Guidance","value":"reaffirmed"},{"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"}