Financial Statements — CLOV
Balance Sheet
(in billions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.17 | 0.19 | 0.19 | 0.16 | 0.29 | 0.25 | 0.21 | 0.30 | 0.31 | 0.19 | 0.38 | 0.32 | 0.27 | 0.20 | 0.49 | 0.40 |
| Total Current Assets | 0.45 | 0.33 | 0.36 | 0.33 | 0.43 | 0.55 | 0.55 | 0.92 | 1.13 | 1.27 | 1.46 | 1.86 | 2.49 | 0.56 | 0.72 | 0.81 |
| Total Assets | 0.70 | 0.56 | 0.57 | 0.58 | 0.65 | 0.67 | 0.67 | 1.06 | 1.26 | 1.45 | 1.56 | 2.06 | 2.68 | 0.95 | 1.22 | 0.87 |
| Total Current Liabilities | 0.34 | 0.19 | 0.20 | 0.22 | 0.28 | 0.32 | 0.36 | 0.72 | 0.91 | 1.11 | 1.13 | 1.60 | 2.15 | 0.23 | 0.20 | 0.17 |
| Long-term Debt | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 |
| Total Liabilities | 0.36 | 0.22 | 0.23 | 0.25 | 0.31 | 0.35 | 0.38 | 0.74 | 0.93 | 1.13 | 1.17 | 1.64 | 2.19 | 0.54 | 0.90 | 0.28 |
| Retained Earnings | (2.26) | (2.24) | (2.21) | (2.20) | (2.18) | (2.17) | (2.18) | (2.09) | (2.05) | (2.02) | (1.87) | (1.80) | (1.69) | (1.43) | (1.40) | (1.08) |
| Total Stockholder Equity* | 0.34 | 0.34 | 0.34 | 0.34 | 0.34 | 0.32 | 0.29 | 0.32 | 0.33 | 0.32 | 0.39 | 0.43 | 0.49 | 0.41 | 0.31 | 0.59 |
* Derived from reported values
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Net Premiums Earned | 744.19 | 485.87 | 479.13 | 469.83 | 456.91 | 330.68 | 322.58 | 349.90 | 341.72 | 303.07 | 301.23 | 314.38 | 317.09 | 270.30 | 267.89 | 268.51 | 278.17 | 201.02 | 203.66 | 195.36 |
| Net Investment Income | 4.32 | 4.24 | 5.27 | 4.68 | 4.61 | 5.73 | 6.82 | 5.73 | 4.47 | 5.15 | 4.39 | 4.90 | 3.94 | 3.92 | 2.85 | 0.46 | 0.31 | 0.20 | 0.18 | 0.08 |
| Total Revenue | 749.19 | 487.71 | 496.65 | 477.62 | 462.33 | 336.96 | 330.99 | 356.26 | 346.92 | 510.25 | 482.07 | 513.63 | 527.78 | 898.79 | 856.82 | 846.70 | 874.38 | 432.04 | 427.16 | 412.47 |
| Benefits & Claims | 589.65 | 413.50 | 423.47 | 377.99 | 353.44 | 243.04 | 249.77 | 248.35 | 265.16 | 447.99 | 418.96 | 436.95 | 472.49 | 893.65 | 839.80 | 858.79 | 861.72 | -- | 436.42 | 458.52 |
| Operating Income | 27.33 | (49.32) | (24.38) | (10.56) | (1.27) | (21.45) | (8.78) | 7.19 | (22.70) | (65.66) | (41.47) | (28.81) | (72.61) | (107.16) | (73.92) | (102.55) | (87.30) | (186.79) | (149.25) | (181.86) |
| Net Income | 27.33 | (49.32) | (24.38) | (10.58) | (1.27) | (22.09) | (9.15) | 7.41 | (19.17) | (70.47) | (41.47) | (28.81) | (72.61) | (84.05) | (75.31) | (104.18) | (75.31) | (187.20) | (34.53) | (317.61) |
| Diluted EPS | 0.05 | -- | -- | -- | -- | -- | -- | -- | -- | (0.14) | (0.09) | (0.06) | (0.15) | (0.17) | (0.16) | (0.22) | (0.16) | (0.44) | (0.08) | (0.78) |
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 107.90 | (68.15) | 12.10 | 5.41 | (16.29) | (85.83) | 49.99 | 44.76 | 25.94 | (229.29) | (18.78) | 53.17 | 79.03 | (209.37) | 101.66 | (39.17) | (57.04) | (80.18) | (45.13) | (64.15) |
| Capital Expenditures | 0.85 | 0.60 | 0.69 | 0.57 | 0.19 | 0.32 | 0.40 | 0.40 | 0.45 | (0.26) | 0.24 | 0.35 | 0.25 | 3.88 | 0.26 | 0.17 | 0.16 | 0.24 | 0.20 | 0.19 |
| Free Cash Flow* | 107.04 | (68.75) | 11.41 | 4.84 | (16.48) | (86.15) | 49.59 | 44.36 | 25.49 | (229.03) | (19.02) | 52.82 | 78.78 | (213.24) | 101.40 | (39.34) | (57.20) | (80.41) | (45.32) | (64.35) |
| Investing Cash Flow | (5.07) | (34.99) | (5.42) | 35.57 | 8.93 | (1.44) | (12.13) | 4.95 | 9.19 | 83.66 | (20.32) | 66.49 | 10.18 | 12.66 | (43.39) | 89.35 | 36.51 | (106.49) | (242.34) | 170.87 |
| Financing Cash Flow | (7.86) | (8.61) | (5.27) | (7.76) | (31.74) | (6.14) | (4.67) | (3.19) | (3.36) | (29.62) | (1.96) | (0.15) | (2.13) | 0.06 | 0.13 | 0.46 | (5.61) | 284.37 | 3.99 | (25.47) |
* Derived from reported values
