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Clover Health Investments CLOV Q4 2025 Annual earnings

Reported February 26, 2026 · After market close

Revenue$487.7MBeat by $20.7M
EPS-$0.05Beat by $0.05
Revenue estimate$467.1M
EPS estimate-$0.10

Next report

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

Financials

Q4 2025

Income statement

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Revenue$487.7M+44.7%
Operating income-$49.3M-130%
Net income-$49.3M-123%
EPS (diluted)-$0.10-150%

Balance sheet

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Cash & equivalents$78.3M-59.8%
Total debt$3.3M-0.9%
Total equity$308.7M-9.5%
Total assets$541.0M-6.8%

Cash flow

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Operating cash flow-$68.2M—
CapEx$597.0K+89.5%
Free cash flow-$68.7M—

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$1.21B-23.1%
Enterprise value$1.14B-17.9%
P/S0.6×-0.5×

Profitability

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Operating margin-4.4%+2.2pp
Net margin-4.4%+3.2pp

Returns & leverage

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Return on equity-26.3%+306pp
Debt / equity0×0.0×
Current ratio1.5×-0.1×

Segments

By segment

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Insurance segment$13.8M—

FAQ

When did Clover Health Investments report Q4 2025 earnings?
Clover Health Investments (CLOV) reported Q4 2025 earnings on February 26, 2026 after market close.
What were Clover Health Investments's Q4 2025 revenue and EPS?
Clover Health Investments reported revenue of $487.7M and eps of $-0.05 for Q4 2025.
Did Clover Health Investments beat estimates in Q4 2025?
Revenue beat the consensus estimate of $467.1M by $20.7M. EPS beat the consensus estimate of $-0.10 by $0.05.
How did Clover Health Investments's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 44.7% from $337.0M a year earlier and eps declined 25.0% from $-0.04.
Where can I find Clover Health Investments's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001801170-26-000050) and the 10-K periodic report (0001801170-26-000057) directly on SEC EDGAR. The filing index links above go to sec.gov.