---
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"
generated_at: "2026-05-26T02:23:48.995579+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Clover Health FY24 adjusted EBITDA $70M, net loss improves $164M; 2025 revenue guidance $1.8-1.875B

## Summary
- 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).

## SEC filing metadata
- 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
- 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/1801170/000180117025000049/0001801170-25-000049-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1801170/000180117025000049/clov-20250227.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001801170-25-000049
- JSON: https://secwatch.observer/filing/0001801170-25-000049.json
- Plain text: https://secwatch.observer/filing/0001801170-25-000049.txt

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