{"schema_version":"secwatch.filing_event.v1","accession":"0001801170-24-000231","form_type":"8-K","ticker":"CLOV","cik":"0001801170","company_name":"CLOVER HEALTH INVESTMENTS, CORP. /DE","filed_at":"2024-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.682059+00:00","generated_at":"2026-05-30T04:43:18.656721+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Clover Health Q3 net loss narrows to $8.8M; raises FY 2024 Adj. EBITDA guidance to $55-65M","bullets":["GAAP net loss from continuing ops improved to $8.8M from $33.6M YoY; Adjusted EBITDA rose to $19.3M from $2.7M.","Total revenue $331M (+8.2% YoY); insurance revenue $322.6M (+7.1% YoY); Insurance MCR improved 50 bps to 78.0%.","Year-to-date GAAP net loss improved $117.4M and Adjusted EBITDA improved $87.2M vs 2023.","New FY 2024 guidance: Insurance BER 81-82%, Adj. EBITDA $55-65M (midpoint raised $5M), Adj. SG&A $290-295M.","Flagship PPO plan achieved 4.0 Stars for payment year 2026; management plans to invest in membership growth in 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001801170-24-000231","json":"https://secwatch.observer/filing/0001801170-24-000231.json","markdown":"https://secwatch.observer/filing/0001801170-24-000231.md","text":"https://secwatch.observer/filing/0001801170-24-000231.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1801170/000180117024000231/0001801170-24-000231-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1801170/000180117024000231/clov-20241106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T04:43:18.656721+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}