Clover Health Reports 53% Membership Growth for 2026
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 14 2026
0mins
Clover Health Investments announced 53% year-over-year membership growth in its Medicare Advantage PPO plans for the 2026 plan year. Following this strong Annual Enrollment Period, AEP, Clover enters 2026 with approximately 153,000 members, reflecting disciplined growth primarily in core markets, with strong retention, supporting Clover's path toward expected full year 2026 GAAP Net Income profitability. "We are entering 2026 on a strong financial trajectory," said Andrew Toy, Chief Executive Officer of Clover Health. "We believe this year will demonstrate the full power of Clover's model: significant member growth and strong returning member retention, layered onto meaningfully improving cohort performance and the continued impact of Clover Assistant. Together, we believe these dynamics will create compounding earnings and margin expansion over time, which we expect to position Clover to deliver its first year of GAAP Net Income profitability in 2026."
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Analyst Views on CLOV
Wall Street analysts forecast CLOV stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CLOV is 3.35 USD with a low forecast of 3.00 USD and a high forecast of 3.70 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 2.310
Low
3.00
Averages
3.35
High
3.70
Current: 2.310
Low
3.00
Averages
3.35
High
3.70
About CLOV
Clover Health Investments, Corp. is a physician enablement technology company. The Company is focused on bringing access to healthcare to everyone on Medicare. This includes a health equity-based focus on seniors, who have historically lacked access to affordable healthcare. Its software platform, Clover Assistant, is designed to aggregate patient data from across the healthcare ecosystem to support clinical decision-making and improve health outcomes through the early identification and management of chronic disease. The Company, through its Insurance segment, provides Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) plans to Medicare Advantage (MA) members in several states, with a differentiated focus on its flagship wide-network, high-choice PPO plans. For healthcare providers outside its MA plan, it focuses on extending the benefits of its data-driven technology platform to a wider audience via its subsidiary, Counterpart Health, Inc.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Clover Health Stock Declines Due to Medicare Proposal
- Medicare Payment Rate Impact: The Trump administration's CMS proposed nearly flat MA payment rates for 2027, with a mere 0.09% year-over-year increase, significantly below Wall Street's 4%-6% growth expectations, which could lead to slower revenue growth per member for Clover, forcing the company to either absorb higher medical costs or cut supplemental benefits, thereby impacting its competitiveness in the market.
- Pressure from UnitedHealth Earnings: UnitedHealth Group reported a sharp decline in adjusted EPS and a medical care ratio near 89%, with 2026 sales guidance falling short of expectations, indicating rising utilization and thinner margins in the MA sector, which raises concerns about Clover's profitability as investors perceive it as having less capacity to absorb costs compared to larger players.
- Bearish Stock Trend: Clover's stock is currently trading 7.2% below its 20-day simple moving average and 14.4% below its 100-day SMA, with a 48.70% decrease over the past 12 months, reflecting ongoing challenges, while the RSI is neutral and the MACD indicates mixed momentum for the stock.
- Upcoming Earnings Report Outlook: Investors are looking forward to the earnings report scheduled for February 26, with an EPS estimate of a 7-cent loss and revenue projected at $469.23 million, up from $336.96 million year-over-year, while analysts maintain a hold rating with an average price target of $6.02, indicating cautious sentiment regarding Clover's future performance.
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