Clover Health

Clover is on track for its first full year of actual GAAP profits in 2026, with guidance pointing to revenue between 2.81 and 2.92 billion dollars, up about 49 percent. Membership is set to jump roughly 46 percent as more seniors sign up. After years of losses, this is the year the math finally flips in their favor.

More than 95 percent of Clover's existing members renewed their plans, and seasoned members generate over 200 dollars in monthly profit each. That kind of loyalty turns a chaotic insurance business into a predictable cash machine. The longer someone stays, the more profitable they become.

Clover just announced its Chief Financial Officer is stepping down at the end of March 2026, with an interim leader stepping in. Even though the company says nothing is wrong and reaffirmed its full year guidance, losing your top finance executive right as you pivot to profitability is the kind of thing that makes investors nervous. Smooth execution is everything from here.

This stock swings hard, with a beta of 2.45, meaning it moves more than twice as much as the overall market on any given day. Net margins are still negative at about negative 4.45 percent, so the business is not yet consistently profitable. If medical costs spike or new member growth disappoints, the share price can drop fast.