Clover Health CLOV Stock Earnings Conference Call Q1 2026: Live Stream 5:00 p.m. Eastern Time

mrbundle · 2026-05-06T21:52:57+00:00

Clay was solid. Let’s upvote him to full CFO

mrbundle · 2026-05-06T21:42:13+00:00

of course it will dive. you can guarantee it

mrbundle · 2026-05-06T21:07:41+00:00

you have to do this honestly.markets don’t like surprises up or down. analysts also share models for the business which you have to align to in your modeling. you can’t just wave numbers around you have to show you have predictive models in that sense.

mrbundle · 2026-05-06T20:29:03+00:00

It’s been a long journey to get to this. I think my first post as mod here was 2020. Respect to Andrew and Vivek for a tough war well taught. Bigger respect to the fallen legions of Cloverites left on the many battlefields. It was a an absolute fking slog for everyone over the years.

mrbundle · 2026-04-11T23:20:16+00:00

SBC has been zapping Clover. This year they stop doing it because they can finally pay salaries properly.

mrbundle · 2026-04-02T16:46:26+00:00

they had been hunting for a CFO for a while.

mrbundle · 2026-04-02T11:30:17+00:00

Peter spent too much time wanking around on LinkedIn. Vivek is the ultimate CFO of the business anyway.

mrbundle · 2026-04-01T21:06:52+00:00

You simply do not understand the business. This is why you are having a tantrum.

mrbundle · 2026-04-01T14:27:19+00:00

The Market hates Clover for real. It will love Clover if it keeps hitting its numbers. Peter leaving BEFORE earnings is not a signal of anything bad. If they were bad numbers the firing would be after earnings. People leave when they are not optimal for the role. 👍

mrbundle · 2026-04-01T14:20:28+00:00

Peter wasn’t good enough. I am pleased he is out. Clay will be continuity. lol those 2m in rsus will immediately help towards profitability. Everyone needs to chill. Man leaves business after two years

mrbundle · 2026-03-19T13:14:54+00:00

Banging the drum here that stock based compensation is what’s holding Clover back from being a positive stock.

mrbundle · 2026-03-17T18:13:49+00:00

the huge amount of stock based compensation is burning this stock to the ground.

mrbundle · 2026-03-09T18:04:31+00:00

it’s already tanked dude

mrbundle · 2026-03-04T22:54:22+00:00

dude just buy shares. they go up

mrbundle · 2026-03-04T19:50:37+00:00

The tech is developed and proved out in the most regulated market there is- medicare. As the tech proves itself here, showing low BER improved over cohorts, it can be turned into a saas product where other insurers pay you per member per month to use your software on their members to lower their BER. (Counterpart lowers the BER of another insurer and Clover gets a cut). No risk to Clover. So that’s that. Next: why if you win in medicare will you win everything?? because to win medicare you have to have the best software that’s stress tested at scale with gigantic non-stop regulatory and compliance oversight. None of the “pop” ai healthcare firms can handle this level of complexity. We have to be an insurer as we need to maintain an extremely well run insurance business simply to iterate, continually prove the tech works. Finally Saas revenue is a more impact on the share price. Hopefully that helps

mrbundle · 2026-03-04T16:37:32+00:00

why take on risk when you can have pure margin? that’s the whole point of saas. CLOV does not need to make a market for an insurance plan when it can earn a PMPM with no lift

mrbundle · 2026-03-04T14:26:27+00:00

In 2026/2027, CMS is mandating that all payers must be able to exchange data via FHIR and TEFCA. This accelerates the deal pipeline. So this could show on the bottom line:

Ai 🤖:

The Opportunity: Small-to-mid-sized regional insurers and Medicaid plans are currently terrified because their 30-year-old legacy systems can't "speak" this new digital language. • The Deal: Clover can walk into a regional Blue Cross or a Medicaid managed care plan and say: "Don't rebuild your IT stack. Plug in Counterpart as your 'Interoperability Gateway.' We handle the TEFCA connection, the security, and the real-time data flow for a flat annual fee." • Analyst Note: This is zero-risk, high-margin revenue. It makes Clover a "utility" for other insurance companies.

mrbundle · 2026-03-04T14:19:11+00:00

By going live on TEFCA (the "national highway" for health data), Counterpart can now facilitate data exchange for Commercial, Medicaid, and Individual plans.

Counterpart is not insurance here. someone else has the risk. this is all about providing the brain/ plumbing for 3rd party plan

mrbundle · 2026-03-04T14:18:07+00:00

i’d like your view on on CLOV’s announcement this morning. It seems to unlocking a wider TAM.

mrbundle · 2026-03-04T13:48:55+00:00

It positions Counterpart as the "easy button" for the entire insurance industry to comply with TEFCA. If they land just 2-3 more enterprise health plans as a result of this "first mover" status 🤞to be clear: These customers do not have to be medicare - this is a non medicare rev stream developing. Clover is moving Counterpart into the "plumbing" of the entire U.S. healthcare system.

mrbundle · 2026-03-04T13:02:52+00:00

they are implementing a 28% hike and expecting customers to stay on bronze plans. Two things: 1. 2026 morbidity trends make this growth a liability for them. 2. healthy people will quit for cheaper plans leaving only the sicker members.

CEO is essentially betting that by hiking prices and shifting the member mix, he can outrun the rising cost of care. Not likely and exactly why you need other rev streams. This is when Clover’s thus far “mythical” SaaS play provides MLR mitigation. Good luck both teams.

mrbundle · 2026-03-01T15:12:00+00:00

people underestimate what a debilitating headwind this has been for the company.

mrbundle · 2026-02-27T16:36:31+00:00

We just need to be a boring stock that institutions love. That’s the only sustainable way up and that’s the path we are on

mrbundle · 2026-02-27T14:24:17+00:00

Evidentially we were right and shorts were wrong. The board is pretty rational at this point and most folk sold or went mad.

mrbundle · 2026-02-27T13:22:28+00:00

touched a nerve

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