CLOV Daddy

@Market_Kap @VivekGaripalli @sventured @andrewtoy Bro of all the AI $CLOV touts they entered in the CRM category for their plan finder 😂 I can’t with these retards anymore….

$CLOV VOTE FOR CLOVER! 🍀

@parthiacapital You nailed this one Parth! $CLOV

Looks like worst case scenario has unfolded for $CLOV and it is now down to $1.6 level support. Failure to hold this key level and this is going back down to no man's land. Management needs to be buying back shares like crazy at these levels.

$CLOV 🤔 Hmmm… Now what could this mean? 🤷🏻‍♂️

Shut up @point406

This guy fux $CLOV

Hey @CloverHealth you owe some explanation for rescinding the PR on the recent CMS integration. What gives??? Don’t make me have @GunShow_Trader send you more nasty emails!!! But now seriously - WTF??!! This is a prime example of organization immaturity. Do better! $CLOV

@ajmid12 @CloverHealth I’m gonna need you to stop exercising so much common sense. This is far too complex an idea for these nimrods to grasp.

@CloverHealth Good work. Need more. Next 12 months crucial for this software to catch. Hit the gas on messaging. CA and counterpart need more spotlight. Must show off capabilities and the why. Imperative this thing gets its moment soon. sell it similarity to the way palantir sells AIP.

Today’s 4Q25 and FY 2025 earnings release reaffirms our ability to deliver strong MA performance and meaningful membership growth across a wide-network PPO, while continuing to lead the nation on HEDIS quality. Highlights: - We generated full year 2025 Adjusted EBITDA profitability while growing membership by 38% and Insurance revenue by 41% year-over-year. - We achieved industry-leading 2026 AEP growth of 53% year-over-year paired with strong returning member retention. - We expect improving cohort economics powered by Clover Assistant to drive our first-ever full year of GAAP Net Income profitability in 2026. Read our full earnings release: investors.cloverhealth.com/static-files/7…

@GunShow_Trader @mo32564305 @ALSTOCKTRADES @RapallaInvests @rubystox @RetailRudy @J_Pugh_13 @jharts00 @brobsubeez MCR drives financials. BER is accounting wizardry. Simple as that.

@mo32564305 @CLOV_HardRTard @ALSTOCKTRADES @RapallaInvests @rubystox @RetailRudy @J_Pugh_13 @jharts00 @brobsubeez I’m not referring to the report. I mean what Andrew provides. I want to be clear on that. The report can only provide what is provided to the market.

More DD work by @mo32564305. docs.google.com/presentation/d… @AlStockTrades @RapallaInvests @RubyStox @RetailRudy @J_Pugh_13 @JHarts00 @BrobSubeez $CLOV

@MannNachman @AlbertAlan Hey you watch your tongue asking obvious questions like this!

@AlbertAlan But this is Q4. Still being payed at 3.5 stars. Are u talking about guidance?

$CLOV Here are my expectations heading into earnings this Thursday for Clover Health. This is not financial advice. Please question everything I say and take it with a grain of salt. The main thing I am watching is net income. That is the biggest metric for me. It is the ultimate test of whether this company is truly profitable, especially with all the tailwinds in Medicare Advantage this year. They are being paid based on a four star rating plus the CMS rate notice. We are looking at more than a 14 percent tailwind with the Part D subsidies, along with a 7 percent MCR reduction tailwind from the prior cohort and another 7 percent from the cohort before that. Because of that, I am expecting positive net income on a GAAP basis. Real accounting. Real money. Not adjusted numbers. I am being somewhat conservative. I am looking for somewhere between 20 million and 40 million in net income. Anything below that would seriously worry me about this company’s ability to turn a consistent profit. Anything above that and I will be very happy. There is a chance they may provide a lower range estimate and then raise it later in the year, similar to what they did in 2024. Based on previous MIT studies, earnings surprises tend to bode well for the stock price. As for Counterpart Health, I do not expect any material numbers yet. If they do provide meaningful figures, that would be a big surprise since the market is not expecting much. Real contribution there probably shows up in 2027 - 2029. If it comes sooner, I welcome it. More data is always better. Overall, this quarter is about net income. That number will allow me to run the key calculations I care about.

@brobsubeez @NickelDimerBets @OceanBlueInvest Shut. Up.

@NickelDimerBets @OceanBlueInvest I agree with you. This stock is a piece of fucking shit

Undervalued healthcare disruptors: $CLOV — ~43.9% growth, PS ~0.6 AI-enabled Medicare Advantage insurer improving care efficiency. $EVH — ~26.9% growth, PS ~0.2 Value-based specialty care management platform. $VSEE — ~30.0% growth, PS ~0.4 Telehealth infrastructure and virtual care delivery. Low multiples, big theme.

@J_Pugh_13 @NickelDimerBets @mo32564305 @NoOneISH4601 @CThomasRhodes @Tomas73827436 @RapallaInvests Breh as a fellow retard there’s no point speaking sense to them. The spectrum exits for a reason and these idiots are pushing the boundaries every day….

lol! If they could they would have BUT their business model isn’t about early detection and keeping people healthy. These companies make billions off of people being sick, inflating their risk scores and claim denials. Clover = doing oil changes on your car every 3k miles for a long lasting and healthy engine. Conglomerates = no oil changes until every 20k miles and when they see the oil they say you don’t need one all while collecting extended warranty payments. Two completely different business strategies

Spotted interacting on posts by Aric Sharp, CEO of Value-Based Care at Clover Health. This is one of many directors who is not only aware of the innovation within Clover/Counterpart Health but is likely to pursue the use of it within the Rural Health Transformation Program (as per her job title!) The interest in this technology is real. The use cases are real. The value creation is real. More to come. $CLOV

@RapallaInvests @NickelDimerBets is understating the opportunity. $MOH stated in their earnings call that 100 bps Medicaid MCR is worth ~$5/share. Scale that to Humana’s market cap as over 2X Molina, and the potential savings are enormous. PMPM is a pure guess, but opportunity is massive. $CLOV

The core flaw in this argument is the assumption that Counterpart Assistant must be paid for solely out of direct medical cost savings, as if Medicare Advantage functions like a shared savings ACO. That is not how MA works. In MA, the largest and most reliable sources of value are risk adjustment accuracy, stars performance, and bids, not just utilization reduction like you’re implying. Counterpart Assistant operates upstream of claims at the point of care (verbatim “end to end operating system”, where diagnoses are confirmed, documentation quality is set, and stars relevant metrics are influenced in real time. Even modest improvements in RAF accuracy for V28 translate into hundreds of dollars per member per year in additional revenue, independent of whether a single admission is avoided. Framing the economics around this ceiling you’re proposing ignores the fact that MA plans are paid on documented quality performance, not simply on spending less money. What is the evidence for Clover/Counterpart Assistant being so effective across the enterprise? Inside Clover’s own MA plan, CA is used to improve clinical quality, chronic disease management, HEDIS scores, risk adjustment accuracy, and cost management. It is known as a platform/end to end operating system for a reason. The evidence in the market contradicts the idea that this pricing is implausible. If this tech does what management claims and affects processes across the enterprise, evidence for nationwide expansion wouldn’t exist. Instead, what we are seeing is silent rollout behavior at scale, and fast. This is exactly what you would expect when a platform materially affects revenue, bid competitiveness, and regulatory exposure. Relative to total MA spend, $30 PMPM is trivial, especially compared to broker commissions or administrative costs, yet it is attached to one of the most leverageable control points in the system. The reality that you and many others will miss is that Counterpart Assistant affects the entire system and it’s leverage to demand a higher PMPM stems from having an effect on many different avenues of revenue within the business and doing it better than anything else in the world. It is not black and white as you claim. $30-40 PMPM may even be conservative for a fully mature deployment in an enterprise insurer. $CLOV

@RapallaInvests @GhostOfLaszloJ @VivekGaripalli @ThePatientsSide @DrOz @RobertKennedyJr Are retards like me invited along for the journey Mr Rapalla?? Please Mr Rapalla - please say I can come too!!

Please read this thread, @ThePatientsSide @DrOz @RobertKennedyJr The vision for Clover/Counterpart Health has always been to bring impact nationwide through better outcomes. They’ve been at the intersection waiting for the industry to catch up. Clover/Counterpart Assistant is going to shift the nation’s healthcare industry from a reactive, coding based system to a proactive, value-based care system. That’s the power of clinical AI/end to end operating systems that prioritize people over profit. What we’re seeing now is a real-time shift where companies that were built for this moment are going to make the biggest possible impact in healthcare with the enablement of @CMSGov @CMSinnovates and partnership with industry peers. That is @CloverHealth @counterparthlth cc: @mcuban @berthacoombs $CLOV

There’s market uncertainty for almost every company today. Here are some aspects of $CLOV that make me excited not just about today, but also about our potential:

Proactive business model = resistant to turbulent industry forces Reactive business model = deeply wounded by turbulent industry forces The anchor solution is and will continue to be Counterpart Assistant, the cornerstone of a true end to end value-based care system $CLOV

@jessupgoeslong I don’t bash them. I bash other retards who only butt chug the koolaid and refuse to be honest / critical. As a retard, I’m fully qualified to diagnose other retards. Don’t be a retard.

@CLOV_HardRTard Why you always bashing then?

200K share club as of a few minutes ago $CLOV THIS ISN’T A GAME!

$CLOV @counterparthlth 🤝 @Humana Chris Cecil, Director Quality & Risk Adjustment Humana for Alabama, Mississippi, Tennessee, Louisiana liked Blaine Lindsey’s Counterpart post yesterday. Counterpart has been hiring PSMs in 3 of those 4 states. Louisiana next. Tick tock. 🚀