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Clover Health Investments (CLOV) guidance and outlook
Clover Health Investments (CLOV) raised its guidance on Nov 4, 2026: Revenue $3.0B for FY2026; Revenue +55% for FY2026; Net income $25.0M–$35.0M for FY2026; Gross profit $540M–$555M for FY2026. Clover Health Investments' 10-Q filed Nov 6, 2026 makes 11 forward-looking statements.
Guidance and outlook
Latest guidance
| Metric | Period | Range | Change |
|---|---|---|---|
| Revenue | FY2026 | $3.0B | raised |
| Revenue | FY2026 | +55% | raised |
| Net income | FY2026 | $25.0M–$35.0M | raised |
| Gross profit | FY2026 | $540M–$555M | raised |
| Gross profit | FY2026 | +54% | raised |
| EBITDA | FY2026 | $75.0M–$85.0M | raised |
From the earnings release filed Nov 4, 2026 (8-K on EDGAR).
Forward-looking statements, 10-Q filed Nov 6, 2026
- We aim to provide high-quality, affordable healthcare for all Medicare beneficiaries.
- We strongly believe in providing our members provider choice, and we consider our PPO plans to be our flagship insurance product.
- As described under "Recent Developments" below, developments during the year relating to our Star Ratings are expected to affect payment years 2027 and 2028 rather than our current period results.
- CMS's guidance stated that MA organizations can view their recalculated 2027 QBP ratings in the Health Plan Management System ("HPMS").
- Through our Insurance segment, we provide PPO and HMO plans to Medicare Advantage members in several states.
- Through our Insurance segment, we provide PPO and HMO plans to members in several states.
- Premiums anticipated to be received within twelve months based on the documented diagnostic criteria of our members are estimated and included in revenues for the period, including the member months for which the payment is designated by CMS.
- The Company will continue to present Insurance Benefits Expense Ratio.
- We continually forecast and manage our cash, investments, working capital balances, and capital structure to meet the short-term and long-term obligations of our businesses while seeking to maintain liquidity and financial flexibility.
- We expect the cash required to meet these obligations to be primarily generated through cash, cash equivalents, short-term investments, and our current projections of cash flows from operations.
- We believe that funds from projected future operating cash flows, cash, cash equivalents, and investments will be sufficient for future operations and commitments, and for capital acquisitions and other strategic transactions, over at least the next 12 months.
Clover Health Investments' latest quarter
Clover Health Investments, Q3 2026: revenue $759M (+53% year over year), operating margin 0.8%, net earnings $6.4M, operating cash flow $70.4M. The chart follows the revenue to costs, profit and cash.
Questions
Did Clover Health Investments raise or lower its guidance?
Clover Health Investments (CLOV) raised its guidance on Nov 4, 2026: Revenue $3.0B for FY2026; Revenue +55% for FY2026; Net income $25.0M–$35.0M for FY2026; Gross profit $540M–$555M for FY2026.
What does Clover Health Investments expect?
We aim to provide high-quality, affordable healthcare for all Medicare beneficiaries. We strongly believe in providing our members provider choice, and we consider our PPO plans to be our flagship insurance product. As described under "Recent Developments" below, developments during the year relating to our Star Ratings are expected to affect payment years 2027 and 2028 rather than our current period results.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.