{"schema_version":"secwatch.filing_event.v1","accession":"0001801170-26-000291","form_type":"8-K","ticker":"CLOV","cik":"0001801170","company_name":"CLOVER HEALTH INVESTMENTS, CORP. /DE","filed_at":"2026-11-04T21:06:47+00:00","discovered_at":"2026-11-04T21:08:01.255667+00:00","generated_at":"2026-11-04T21:08:14.717687+00:00","sec_items":["2.02","5.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Clover Health Q3 revenue $759M (+53%), net income $6M; raises FY26 guidance; names permanent CFO","bullets":["Q3 2026 net income $6.4M vs $(24.4)M loss a year ago; revenue $759.3M, +52.9% YoY; gross profit $129.8M, +77.3%; adjusted EBITDA $16.1M.","Medicare Advantage membership 158,907, up 45% YoY; average 158,383 (+46.3%); BER 91.1% vs 93.5%; ~98% of members in PPO rated 5 Stars for PY2028.","FY2026 guidance raised: revenue $2.97-3.00B, GAAP net income $25-35M, gross profit $540-555M, adjusted EBITDA $75-85M, average MA membership 157,000-158,000.","Board named interim CFO Joseph Clay Thornton permanent CFO effective Nov 4, 2026; salary $450,000, target bonus 75%, $1.5M RSU grant.","Joseph Frank Oldakowski named Chief Accounting Officer effective Nov 4, 2026; salary $410,000, target bonus 50%, $850,000 RSU grant."],"urls":{"canonical":"https://secwatch.observer/filing/0001801170-26-000291","json":"https://secwatch.observer/filing/0001801170-26-000291.json","markdown":"https://secwatch.observer/filing/0001801170-26-000291.md","text":"https://secwatch.observer/filing/0001801170-26-000291.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1801170/000180117026000291/0001801170-26-000291-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1801170/000180117026000291/clov-20261102.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-11-04T21:08:14.717687+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"}