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Clover Health Investments CLOV Premium deficiency reserve benefit

Discontinued — last reported Q4 '25

Premium deficiency reserve benefit at other companies

F&G Annuities & Life logo
F&G Annuities & LifeFG
$484M-7.6%
Centene logo
CenteneCNC
$0-100%
Fidelity National Financial logo
Fidelity National FinancialFNF
$484M-7.6%
Loews logo
LoewsL
$26.93B+5.3%
Everest Group logo
Everest GroupEG
$32M-52.9%
Everest Group logo
Everest GroupEG
$10.2B+15.4%

Segments

By segment

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Insurance segment$0—

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 premium deficiency reserve benefit?
Clover Health Investments (CLOV) reported premium deficiency reserve benefit of $0 in Q4 2025.
What is the long-term trend for Clover Health Investments's premium deficiency reserve benefit?
Over 4 years (2021 to 2025), Clover Health Investments's premium deficiency reserve benefit has grown at a -100.0% compound annual growth rate (CAGR), from $110.63M to $0.
What does premium deficiency reserve benefit mean?
Represents adjustments made when expected future claims and expenses exceed the related unearned premiums. This metric highlights the adequacy of current premium pricing and the potential need for reserve adjustments to cover future liabilities.