<span item_type="fundamental" item_id="670265dccc92e7c21110e40ad2b31ce5" counter_id="ST/US/CLOV" env="prod"></span><span item_type="announcement" item_id="547148688739208833" env="prod"></span><p>Revenue: As of FY2025 Q2, the actual value is USD 477.62 M, beating the estimate of USD 468.3 M.</p><p>EPS: As of FY2025 Q2, the actual value is USD -0.02.</p><p></p><h3>Insurance Segment Financial Metrics</h3><h4>Premiums Earned, Net</h4><ul><li><strong>Three Months Ended June 30, 2025</strong>: $469.8 million</li><li><strong>Three Months Ended June 30, 2024</strong>: $349.9 million</li><li><strong>Six Months Ended June 30, 2025</strong>: $926.7 million</li><li><strong>Six Months Ended June 30, 2024</strong>: $691.6 million</li></ul><h4>Net Medical Claims Incurred</h4><ul><li><strong>Three Months Ended June 30, 2025</strong>: $378.0 million</li><li><strong>Three Months Ended June 30, 2024</strong>: $248.3 million</li><li><strong>Six Months Ended June 30, 2025</strong>: $731.4 million</li><li><strong>Six Months Ended June 30, 2024</strong>: $513.5 million</li></ul><h4>Salaries and Benefits</h4><ul><li><strong>Three Months Ended June 30, 2025</strong>: $61.3 million</li><li><strong>Three Months Ended June 30, 2024</strong>: $55.5 million</li><li><strong>Six Months Ended June 30, 2025</strong>: $120.3 million</li><li><strong>Six Months Ended June 30, 2024</strong>: $114.7 million</li></ul><h4>General and Administrative Expenses</h4><ul><li><strong>Three Months Ended June 30, 2025</strong>: $48.5 million</li><li><strong>Three Months Ended June 30, 2024</strong>: $44.4 million</li><li><strong>Six Months Ended June 30, 2025</strong>: $99.2 million</li><li><strong>Six Months Ended June 30, 2024</strong>: $89.0 million</li></ul><h4>Segment Net (Loss) Income</h4><ul><li><strong>Three Months Ended June 30, 2025</strong>: -$32.4 million</li><li><strong>Three Months Ended June 30, 2024</strong>: $2.4 million</li><li><strong>Six Months Ended June 30, 2025</strong>: -$51.8 million</li><li><strong>Six Months Ended June 30, 2024</strong>: -$24.2 million</li></ul><h3>Cash Flow</h3><h4>Operating Cash Flow</h4><ul><li><strong>Six Months Ended June 30, 2025</strong>: -$10.9 million</li><li><strong>Six Months Ended June 30, 2024</strong>: $79.7 million</li></ul><h4>Investing Cash Flow</h4><ul><li><strong>Six Months Ended June 30, 2025</strong>: $44.5 million</li><li><strong>Six Months Ended June 30, 2024</strong>: $14.1 million</li></ul><h4>Financing Cash Flow</h4><ul><li><strong>Six Months Ended June 30, 2025</strong>: -$39.5 million</li><li><strong>Six Months Ended June 30, 2024</strong>: -$6.6 million</li></ul><h3>Future Outlook and Strategy</h3><h4>Core Business Focus</h4><p>Clover Health Investments, Corp. aims to empower physicians with technology to manage chronic diseases earlier, focusing on improving care for Medicare beneficiaries through its Clover Assistant platform. The company plans to expand its reach and improve clinical decision-making through data-driven insights, with a focus on maintaining low out-of-pocket costs for members and expanding its network of providers.</p><h4>Non-Core Business</h4><p>The company launched Counterpart Health, Inc., a SaaS and Tech Enabled Services Solution, to extend its technology to Medicare Advantage payors and providers, aiming to enhance patient outcomes and reduce healthcare costs. This initiative is expected to provide new growth opportunities with low startup costs.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1801170/000180117025000204/clov-20250630.htm"></span></p>

Clover Health Investments | 10-Q: FY2025 Q2 Revenue Beats Estimate at USD 477.62 M