Clover Health Investments Corp. released the transcript of its fourth-quarter and full-year 2025 earnings call, attended by CEO Andrew Toy and CFO Peter Kuipers, along with Investor Relations representative Ryan Schmidt. Management said 2025 marked a return to profitability on an Adjusted EBITDA basis while scaling membership in a challenging Medicare Advantage utilization environment. Toy said, “In 2025, we achieved full year Adjusted EBITDA profitability, delivered a well-controlled medical cost trend, and re-established market leading membership growth.” Kuipers reported Medicare Advantage membership rose 38% year over year to about 114,000 at year-end and 2025 insurance revenue increased 41% to $1.9 billion. The company also introduced “Consolidated Gross Profit” as a primary metric, reporting $356 million for 2025. Looking ahead, Clover guided to 2026 average Medicare Advantage membership of 154,000 to 158,000, total revenue of $2.81 billion to $2.92 billion, Consolidated Gross Profit of $470 million to $510 million, and Adjusted EBITDA of $50 million to $70 million. The company also expects 2026 to be its first full year of GAAP net income profitability, with net income between breakeven and $20 million. Toy said, “We expect to achieve our first full year of GAAP Net Income and EPS profitability in 2026,” citing retention above 95%, deeper Clover Assistant engagement, and a 4-Star payment year tailwind. The full transcript can be accessed through the link below. https://investors.cloverhealth.com/
Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Clover Health Investments Corp. published the original content used to generate this news brief on February 27, 2026, and is solely responsible for the information contained therein.
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