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Clover Health Investments CLOV Q3 2025 earnings

Reported November 4, 2025 · After market close

Revenue$496.7MBeat by $29.6M
EPS-$0.05Miss by $0.07
Revenue estimate$467.1M
EPS estimate$0.02

Next report

Aug 5, 2026 (In 1 week)
Revenue estimate$728.3M
EPS estimate$0.05

Financials

Q3 2025

Income statement

See full
Revenue$496.7M+50.1%
Operating income-$24.4M-177%
Net income-$24.4M-166%
EPS (diluted)-$0.05-150%

Balance sheet

See full
Cash & equivalents$190.1M-34.0%
Total equity$340.9M-0.4%
Total assets$559.7M-14.3%

Cash flow

See full
Operating cash flow$12.1M-75.8%
CapEx$692.0K+73.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.57B+14.1%
P/S0.9×-0.1×

Profitability

See full
Operating margin-3.3%-1.1pp
Net margin-3.3%-1.1pp

Returns & leverage

See full
Return on equity-17.1%-4.7pp
Current ratio1.7×+0.2×

Segments

By segment

See full
Insurance segment$5.4M—

Versus estimates

Revenue

Q1 2026$749.2MBeat by $34.3MQ4 2025$487.7MBeat by $20.7M
Q3 2025$496.7MBeat by $29.6M
Q2 2025$477.6MBeat by $9.3MQ1 2025$462.3MMiss by $4.6MQ4 2024$337.0MMiss by $10.4M

Diluted EPS

Q1 2026$0.07In lineQ4 2025-$0.05Beat by $0.05
Q3 2025-$0.05Miss by $0.07
Q2 2025$0.03In lineQ1 2025$0.05Beat by $0.12Q4 2024-$0.04Beat by $0.03

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Questions, answered.

When did Clover Health Investments report Q3 2025 earnings?
Clover Health Investments (CLOV) reported Q3 2025 earnings on November 4, 2025 after market close.
What were Clover Health Investments's Q3 2025 revenue and EPS?
Clover Health Investments reported revenue of $496.7M and eps of $-0.05 for Q3 2025.
Did Clover Health Investments beat estimates in Q3 2025?
Revenue beat the consensus estimate of $467.1M by $29.6M. EPS missed the consensus estimate of $0.02 by $0.07.
How did Clover Health Investments's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 50.1% from $331.0M a year earlier and eps declined 150.0% from $-0.02.
Where can I find Clover Health Investments's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001801170-25-000269) and the 10-Q periodic report (0001801170-25-000275) directly on SEC EDGAR. The filing index links above go to sec.gov.