{"schema_version":"secwatch.filing_event.v1","accession":"0001801170-24-000063","form_type":"8-K","ticker":"CLOV","cik":"0001801170","company_name":"CLOVER HEALTH INVESTMENTS, CORP. /DE","filed_at":"2024-03-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:25.579928+00:00","generated_at":"2026-06-04T23:12:49.164991+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 FY 2023 net loss improves to $213.4M; Insurance MCR drops to 81.2%","bullets":["Full-year 2023 net loss of $213.4M vs $339.6M in 2022; Insurance MCR improved to 81.2% from 91.8%.","Adjusted EBITDA loss narrowed to $44.7M in 2023 from $290.4M in 2022.","Q4 2023 revenue $510.3M; Insurance revenue grew 12% YoY to $303.1M.","FY 2024 guidance: Insurance MCR 79%-83%; up to $20M Adjusted EBITDA profitability at the high end.","Adjusted SG&A (non-GAAP) of $302.0M in FY 2023, down from $312.5M in FY 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001801170-24-000063","json":"https://secwatch.observer/filing/0001801170-24-000063.json","markdown":"https://secwatch.observer/filing/0001801170-24-000063.md","text":"https://secwatch.observer/filing/0001801170-24-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1801170/000180117024000063/0001801170-24-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1801170/000180117024000063/clov-20240312.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-04T23:12:49.164991+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":"05c4a267d72103726751f5bcc2a16b045339e440","claim":"CLOVER HEALTH INVESTMENTS, CORP. /DE reported fourth quarter and full year ended December 31, 2023 results: revenue $510.3 million, net income net loss of $70.5 million. Guidance initiated.","evidence_excerpt":"will host a conference call today at 5:00 p.m. ET to discuss its operating results and other business highlights. For the fourth quarter 2023, the Company reported revenue of $510.3 million and net loss of $70.5 million, with full-year revenue of $2,033.7 million and net loss of $213.4 million. Adjusted EBITDA during 2023 improved to a loss of $19.1 million in the","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1801170/000180117024000063/0001801170-24-000063-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter and full year ended December 31, 2023"},{"label":"Revenue","value":"$510.3 million"},{"label":"Net income","value":"net loss of $70.5 million"},{"label":"Guidance","value":"initiated"},{"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"}