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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

Nov 3, 2026 (in 2 months)
Revenue estimate$740.3M
EPS estimate-$0.01

Financials

Q3 2025

Income statement

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

Balance sheet

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

Cash flow

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

Valuation & ratios

Valuation

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

Profitability

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

Returns & leverage

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

Segments

By segment

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Insurance segment$5.4M—

FAQ

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.