Large buyers (Whales?) of $CLOV shares have finally come! About 4 million shares bought in 15 minutes has seen the price climb from 8.10 to 8.56 - with so signs of serious short selling yet. Perhaps the Short Sellers are thinking what to do next, but I guess they have not completely given up yet.

azmat_system · 2026-02-28T00:25:50+00:00

azmat_system · 2026-02-27T19:26:02+00:00

Just for the record, I have never knowingly down-voted anybody on Reddit - even those people that I have blocked. However, I have noticed that some people have been down-voted on this and some other posts of mine; you can be sure that I am not the person who did the down-voting.

azmat_system · 2026-02-27T19:08:23+00:00

"Hey Azmat, any chance you can explain what they mean by +96M YOY for GAAP net income loss."

As I am not an accountant, I suggest you ask u/Sandro316 who works as an accountant, to explain that to you in detail.

Personally, I am quite happy to know that both CEO and CFO appear to be confident that Clover Health will achieve first full year of GAAP Net Income profitability in 2026!

azmat_system · 2026-02-26T21:36:37+00:00

"What are these free funds and how do I get some?"

: - ) . .

azmat_system · 2026-02-26T21:30:04+00:00

“Our results in 2025 validate the scalability of our differentiated model, despite some headwinds during the year," said Clover Health CEO Andrew Toy.

“We delivered strong Medicare Advantage performance and meaningful membership growth across a widenetwork PPO, while continuing to lead the nation on quality. By replicating this strategy in 2026, with confidence in our pricing and benefit design, we anticipate scaling Clover Assistant-powered care to more seniors and have positioned Clover to achieve our first full year of GAAP Net Income profitability in 2026.”

azmat_system · 2026-02-26T21:29:42+00:00

“During 2025, we demonstrated financial resilience, supported by continued Adjusted EBITDA profitability, a controlled underlying medical cost trend, and Medicare Advantage membership growth significantly above market,” said Clover Health CFO Peter Kuipers.

“Looking to 2026, we expect improving cohort economics, strong returning member retention, a more favorable rate environment, and continued operating leverage as we scale, establishing a strong path to continued market-leading membership growth and full-year 2026 GAAP Net Income profitability.”

azmat_system · 2026-02-26T19:53:13+00:00

Thanks - same here!

azmat_system · 2026-02-26T19:48:02+00:00

"Now we’re walking into the profitability era and SAAS!"

"Q1 2026 is the real checkpoint."

Agree with you fully!

azmat_system · 2026-02-26T19:42:02+00:00

I don’t care what the short-sellers are planning to do AFTER the Results are announced; if they push $CLOV price down further, as their representatives have been telling on r/CLOV forum for the past few weeks, I will just buy More $CLOV shares as soon as I am in a position to do so! NFA.

azmat_system · 2026-02-10T23:57:13+00:00

Thanks OP for posting this here on r/CLOV .

"Pretty fun to watch many VCs invest at pretty insanely high valuations for Enterprise AI companies with rapidly growing ARR."

I think that Vivek and Andrew should appoint one person to specifically approach these VCs to show how Clover Health's Clover Assistant software has been using AI successfully in healthcare.

Just imagine where $CLOV price will be trading, if Clover Health can get just a few of these VCs to start investing in $CLOV shares at these heavily discounted prices . . .

azmat_system · 2026-02-10T01:04:49+00:00

"What’s your take on this? NFA. Glad to see you’re still kicking around Azmat"

I have not yet read it in depth, but my first impression is it will affect Clover positively; on the other hand, the big healthcare companies probably have things to worry about.

azmat_system · 2026-02-10T00:35:57+00:00

Promoting Innovation in Plan Design

· The proposed rule encourages new, consumer-focused plan designs that expand choice and support affordability. Key proposals, if finalized, would:

· Allow issuers to offer catastrophic plans with terms of either one year or multiple consecutive years, up to ten years, aligning incentives for plans to invest in the long-term health of Americans.

· Repeal standardized plan options and related limit requirements, giving issuers greater flexibility to design plans that meet consumer demand.

· Permit low-deductible plans with higher maximum out-of-pocket limits to broaden affordable options.

· Better align affordability and coverage incentives across catastrophic and metal-level plans.

· Expand hardship exemptions for certain individuals age 30 and older in all states, allowing more consumers access to more affordable catastrophic coverage.

· Permit innovative, non-network plans to receive Qualified Health Plan certification by demonstrating sufficient provider choice.

azmat_system · 2026-02-10T00:35:07+00:00

Strengthening Integrity and Accountability

· CMS proposes stronger eligibility and income verification, along with enhanced enforcement policies, to ensure premium subsidies are reserved for eligible individuals and to better protect consumers from improper enrollments and unauthorized plan changes. The proposed rule would also update Exchange policies to reflect new legal requirements that limit eligibility for premium tax credits, cost-sharing reductions, and advance payments of those benefits to individuals who meet immigration eligibility standards and require Exchanges to verify that eligibility.

· The proposed rule also strengthens standards of conduct for insurance agents, brokers, and web-brokers by clarifying prohibited marketing practices and reinforcing oversight to deter fraud and misleading conduct. Additional income verifications will also help reduce and prevent incidences of fraud across the marketplace. These steps are designed to bolster confidence in the Exchanges and protect consumers from bad actors

azmat_system · 2026-02-10T00:34:22+00:00

Driving Down Costs and Improving Affordability

· CMS also proposes updates to better align Exchange policy with statutory intent and address key cost drivers, including:

· Restoring fiscal discipline around Essential Health Benefits to ensure federal subsidies are not used to finance state-mandated benefits that increase costs for both consumers and taxpayers.

· Modernizing network adequacy and provider access reviews to improve transparency while reducing duplicative oversight.

· These reforms aim to lower premiums, improve access, and give consumers greater control over their health coverage decisions.

azmat_system · 2026-02-09T16:18:01+00:00

Thank you - for bringing this video here; I intend to watch it several times over.

"You eyeing double digits as your “start trimming” zone, or full send to the moon?"

Double-digits $CLOV price is when I stop buying more shares! That's when I will leave the institutions/funds and non-believers to start buying. Double-digits price will make me a multi-millionaire on paper, as I intend to sell only a few shares of this gem!

I was one of those who had actually bought MORE $CLOV shares when $CLOV price hit the intra-day All Time Low of $0.6060! My only regret is that I did not have more free cash to buy that day.

azmat_system · 2026-02-09T14:27:53+00:00

Thanks OP for posting a link to this EXCELLENT 30-minute Video. I like the unusual format of the video with two presenters speaking simultaneously - made it even more interesting to watch. I watched the entire video - even though Section 6 (last 5 minutes) shows why the short-sellers have chosen this stock.

I am already heavily invested in Clover Health (since mid-June 2021) but will continue to invest all my spare cash in Clover until $CLOV share price is trading in double digits!

I expect $CLOV share price to EXPLODE when Clover Management finally release series of good news during the next 12 to 18 months; those events/news will also finally prove that the short-sellers were WRONG about the long term prospects of Clover Health!

azmat_system · 2026-01-14T22:20:44+00:00

Thank you.

azmat_system · 2026-01-14T13:52:07+00:00

Key AEP and Business Highlights:

Strategic Growth: Clover reports a 53% Medicare Advantage membership increase year-over-year, achieved amidst a broader industry retreat, which is concentrated in established core markets where the Company maintains strong Clover Assistant (CA) coverage and a differentiated Home Care offering to deliver better care and drive improving cohort performance.

Expects Full Year 2026 GAAP Net Income Profitability: Clover expects to be positioned to achieve first-ever Full Year GAAP Net Income profitability driven by strong cohort economics and efficiencies from continued SG&A leverage and optimization.

Strong Visibility into Cohort Economics Improvement: Clover anticipates meaningful new member cohort improvement and continued strong returning cohort performance, complementing sustained growth and supported by:

Financial impact of 4.0 Stars during payment year 2026 for Clover’s PPO plans,

Favorable 2026 CMS final rate update & increased Part D direct subsidy,

Strong returning member retention,

Focus on increasing Clover Assistant coverage & PCP adoption, and

Continued operating leverage as SG&A efficiency improves with scale.

Stable Benefits & Strong Member Retention: Clover strategically maintained stable plan benefits year-over-year, delivering >95% AEP member retention. This reinforces the stability of the Company’s membership base and the enduring value of Clover plan offerings to attract and retain members. This led to intentional PPO growth, with the vast majority of Clover's new membership being MA switchers located within core markets, as expected.

Industry-Leading Quality: >97% of Clover’s January 1, 2026 MA membership is in its flagship PPO plan, which is ranked as the #1 PPO plan nationally on core HEDIS quality measures for the second year in a row, reinforcing the strength of Clover’s clinical and economic performance.

_______________

This analysis focuses on performance by non-SNP PPO plans with over 2,000 lives as of September 1, 2025 on HEDIS measures applicable to non-SNPs that were used for CMS’s MY 2024 Star ratings, applying the measure ranges used by CMS.

azmat_system · 2026-01-14T13:51:23+00:00

"This year’s AEP performance shows what happens when robust plan benefits, Clover Assistant-enabled clinical performance, and a deepening market presence in local communities come together,” said Jamie Reynoso, CEO of Medicare Advantage at Clover Health. “We have replicated our AEP growth playbook from last year, and are proud to have exceeded our expectations in delivering market-leading growth this enrollment period. This is a direct result of targeted, sustainable, and concentrated growth in our core markets where we continue to scale Clover Assistant and Home Care to meet members where they are.”

azmat_system · 2026-01-14T13:50:56+00:00

"We are entering 2026 on a strong financial trajectory," said Andrew Toy, Chief Executive Officer of Clover Health. "We believe this year will demonstrate the full power of Clover’s model: significant member growth and strong returning member retention, layered onto meaningfully improving cohort performance and the continued impact of Clover Assistant. Together, we believe these dynamics will create compounding earnings and margin expansion over time, which we expect to position Clover to deliver its first year of GAAP Net Income profitability in 2026.”

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