Jun 30, 2024

Clover Health Q2 2024 Earnings Report

Reported strong financial results and improved full-year guidance.

Key Takeaways

Clover Health reported an 11% year-over-year increase in total revenue for Q2 2024. GAAP Net Income improved to $7.2 million, compared to a $28.9 million loss in Q2 2023. Adjusted EBITDA increased to $36.2 million, up from $9.9 million in the same period last year. The company has also increased its full-year 2024 guidance for Insurance Revenue to $1.35 billion - $1.375 billion and Adjusted EBITDA profitability to $50 million - $65 million.

Total revenue grew by 11% year-over-year in Q2 2024.

GAAP Net Income from Continuing Operations was $7.2 million, a significant improvement from the $28.9 million loss in Q2 2023.

Adjusted EBITDA was $36.2 million, compared to $9.9 million in Q2 2023.

Full-year 2024 guidance increased for Insurance Revenue to $1.35 billion - $1.375 billion and Adjusted EBITDA profitability to $50 million - $65 million.

Total Revenue
$350M
Previous year: $514M
-31.9%
EPS
$0.01
Previous year: -$0.06
-116.7%
Gross Profit
$108M
Previous year: $76.7M
+40.7%
Cash and Equivalents
$255M
Previous year: $690M
-63.1%
Free Cash Flow
$44.4M
Previous year: $52.8M
-16.0%
Total Assets
$674M
Previous year: $1.26B
-46.4%

Clover Health

Clover Health

Forward Guidance

Clover Health is updating its full-year 2024 guidance, projecting Insurance Revenue between $1.35 billion and $1.375 billion and Adjusted EBITDA between $50 million and $65 million.

Positive Outlook

  • Insurance revenue is projected to be $1.35 billion - $1.375 billion.
  • Insurance MCR is expected to be 77% - 79%.
  • Insurance BER is anticipated to be 81% - 83%.
  • Adjusted SG&A is projected to be $270 million - $280 million.
  • Adjusted EBITDA is expected to be $50 million - $65 million.