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Clover Health Publishes Q3 2026 Earnings Call Transcript

By Public Technologies
  • Clover Health raised its 2026 net income guidance floor to $25 million, targeting $25 million to $35 million in its first profitable full year.
  • The third-quarter earnings call featured CEO Andrew Toy, CFO Clay Thornton and investor relations representative Ryan Schmidt.
  • Quarterly revenue rose 53% to $759 million; net income reached $6 million versus a $24 million loss a year earlier.
  • Full-year adjusted EBITDA guidance narrowed to $75 million to $85 million, with a seasonal fourth-quarter loss expected.
  • Management expects meaningful earnings expansion in 2027 from cohort maturation and operating leverage, alongside another strong year of membership growth.


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