---
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"
generated_at: "2026-05-30T04:43:18.656721+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Clover Health Q3 net loss narrows to $8.8M; raises FY 2024 Adj. EBITDA guidance to $55-65M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001801170-24-000231
- JSON: https://secwatch.observer/filing/0001801170-24-000231.json
- Plain text: https://secwatch.observer/filing/0001801170-24-000231.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.