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Clover Health Investments CLOV Insurance segment — Premium deficiency reserve benefit

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Other financials

Income statement

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Revenue$749.2M+62.0%
Operating income$27.3M+2,246%
Net income$27.3M+2,246%
EPS (diluted)$0.05—

Balance sheet

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Cash & equivalents$173.3M+11.5%
Total debt$3.3M-0.9%
Total equity$339.4M+1.0%
Total assets$697.7M+19.5%

Cash flow

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Operating cash flow$107.9M+762%
CapEx$854.0K+362%
Free cash flow$107.0M+750%

Valuation

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Market cap$2.74B-49.7%

Profitability

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Operating margin-2.6%+3.5pp
Net margin-2.6%+2.8pp
FCF margin-10.3%—

Returns & leverage

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Return on equity-16.9%-170pp
Debt / equity0×0.0×
Current ratio1.3×-0.2×

Where this comes from

Reported directly by Clover Health Investments in its filing.

Tagged under the XBRL concept clov:PremiumDeficiencyTestingBenefitLongDurationContractAmount.

The official record: Clover Health Investments’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Clover Health Investments's insurance segment — premium deficiency reserve benefit?
Clover Health Investments (CLOV) reported insurance segment — premium deficiency reserve benefit of $0 in Q4 2025.
What is the long-term trend for Clover Health Investments's insurance segment — premium deficiency reserve benefit?
Over 2 years (2023 to 2025), Clover Health Investments's insurance segment — premium deficiency reserve benefit has grown at a -100.0% compound annual growth rate (CAGR), from $7.24M to $0.
What does insurance segment — premium deficiency reserve benefit mean?
This represents the reversal or reduction of reserves previously established for insurance contracts where expected future claims and expenses exceed anticipated premiums. A benefit indicates that the underlying profitability of the insurance portfolio has improved, reducing the need for loss-recognition reserves. It serves as a key indicator of actuarial performance and the adequacy of premium pricing within the insurance segment.