CLOV Since my last post, CLOV ran up, then gave it all back—standard clown market. Quick update on the past 6 months:
• CLOV generated ~$80M in 2024 cash from continued operations.
• Membership is set to grow 30%+ in 2025, with margins that smoke the rest of the industry—impressive, especially considering the new cohort.
• 4 Stars still locked in for next year.
• Management is openly targeting even more growth and higher profitability for 2026.
• Social posts make it clear: Counterpart (their SaaS arm) is now fully separated internally.
• SaaS revenue/profit margins are still a black box, but there are hints of national deals and the platform being used across the country. I’m more bullish than ever.
• Counterpart is set up perfectly for the new CMS regime, which is pushing hard on tech, data, and better senior care.
CLOV Reasons Clover Health Investments looks attractive medium-long term: 1. Expected Free-Cash Flow Positive for Y2024 2. Return to "very strong" profitable growth for Y2025+ 3. Industry Leading Medical Cost Ratio 4. 4 Star payments for Y2026 (~5% increased margins) 5. Excellent long term focused management and effective vote shareholders 6. PPO plans which allow clients better flexibility than HMO 7. Management has very strong incentives for price to reach $26 by Jan. 2026 8. Conservative guidance, that management almost always beats and updates 9. Fast growing market with 10,000 new people aged 65+ per week, 1B in new market cap per week. 10. Still relatively cheap for its potentially bright future. This is not financial advice. Do your own research.
CLOV Celebrating the first profitable quarter with the outlook for the rest of the year looking even better. Finally the Technicals and Financials and Investors unite with universal strong buy signals all around. Anyone have any projections on where the stock is going from here?
CLOV 
