---
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"
generated_at: "2026-11-04T21:08:14.717687+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Clover Health Q3 revenue $759M (+53%), net income $6M; raises FY26 guidance; names permanent CFO

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 5.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001801170-26-000291
- JSON: https://secwatch.observer/filing/0001801170-26-000291.json
- Plain text: https://secwatch.observer/filing/0001801170-26-000291.txt

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