{"schema_version":"secwatch.filing_event.v1","accession":"0001801170-25-000049","form_type":"8-K","ticker":"CLOV","cik":"0001801170","company_name":"CLOVER HEALTH INVESTMENTS, CORP. /DE","filed_at":"2025-02-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.919952+00:00","generated_at":"2026-05-26T02:23:48.995579+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 FY24 adjusted EBITDA $70M, net loss improves $164M; 2025 revenue guidance $1.8-1.875B","bullets":["Full year 2024 GAAP net loss from continuing ops narrowed to $46M from $210M in 2023 (improvement of $164M).","Full year 2024 Adjusted EBITDA was $70M, reversing a $42M loss in 2023; Q4 Adj. EBITDA $7.8M vs -$16.7M.","Insurance revenue $1.344B for 2024 (+8.8% YoY); Insurance BER improved to 81.2% from 86.5%.","For 2025, guides insurance revenue $1.8-$1.875B (37% growth) and Adjusted EBITDA $45M-$70M.","Average Medicare Advantage membership expected 103k-107k in 2025 (~30% growth YoY at midpoint)."],"urls":{"canonical":"https://secwatch.observer/filing/0001801170-25-000049","json":"https://secwatch.observer/filing/0001801170-25-000049.json","markdown":"https://secwatch.observer/filing/0001801170-25-000049.md","text":"https://secwatch.observer/filing/0001801170-25-000049.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1801170/000180117025000049/0001801170-25-000049-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1801170/000180117025000049/clov-20250227.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T02:23:48.995579+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"}