Here are the 10-K annual reports from Clover Health Investments, Corp (CLOV) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CLOV and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CLOV filings page.
Clover Health Investments, Corp. files its annual report describing a technology-focused Medicare Advantage business that remains unprofitable while pursuing growth. The company reported net losses of $85.5 million in 2025, $46.3 million in 2024, and $210.1 million in 2023, resulting in an accumulated deficit of roughly $2.3 billion as of December 31 2025.
Clover’s strategy centers on its Clover Assistant software, which uses data and machine learning to support physicians in managing chronic disease earlier and lowering medical costs. The platform underpins its Medicare Advantage plans and a newer external SaaS and tech-enabled services offering, Counterpart Health, aimed at other payors and providers.
The report highlights heavy dependence on Medicare Advantage premiums, intense competition from large insurers and health-tech players, and extensive regulatory oversight. Management flags risks from ongoing net losses, potential capital needs, cybersecurity and privacy requirements, government payment and audit processes, and the concentration of voting power in Class B shareholders.