We came across a bullish thesis on Clover Health Investments, Corp. on topsecretstocks’s Substack. In this article, we will summarize the bulls’ thesis on CLOV. Clover Health Investments, Corp.’s share was trading at $2.0400 as of February 17th. CLOV’s forward P/E was 84.03 according to Yahoo Finance.
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Clover Health Investments, Corp. provides medicare advantage plans in the United States. CLOV has long been a polarizing name on Wall Street, but the company’s core thesis centers on using technology and AI to disrupt the highly complex and inefficient U.S. Medicare Advantage market by delivering both lower costs and higher quality care than traditional insurers. The centerpiece of this strategy is Counterpart Health, a unified clinical technology platform designed to help providers manage quality, risk, and total cost of care, marketed as a clinician-first solution and validated through Clover’s own operating results.
Data from members whose primary care physicians use the Counterpart Assistant (CA) shows an approximately 1,500 basis point improvement in Medical Cost Ratio (MCR) versus those who do not, with the performance gap widening materially as cohorts mature—from about 8% in year one to roughly 20% by year four—demonstrating both durability and compounding benefits over time.
Beyond cost improvements, the platform has also driven strong quality outcomes, including achieving the #1 HEDIS score nationally for a PPO Medicare Advantage plan operating with a non-employed physician network and without capitation, an uncommon accomplishment that reinforces the effectiveness of the model.
Importantly, Counterpart is now expanding beyond Clover’s internal use case, with third-party adoption accelerating rapidly, as evidenced by more than 450% year-over-year growth in live clinicians on the platform, with the majority of that adoption occurring in a recent three-month window, alongside strong physician testimonials highlighting usability and clinical relevance.
Despite these tangible operating improvements and early platform traction, Clover remains underappreciated by the market, but for patient investors, the combination of proven unit economics, scalable technology, and expanding adoption could translate into meaningful long-term value creation.
Previously, we covered a bullish thesis on UnitedHealth Group Incorporated (UNH) by FluentInQuality in May 2025, which highlighted its integrated Optum platform, strong pricing power as a healthcare compounder. UNH’s stock price has depreciated by 2% since our coverage. topsecretstocks shares a similar view but emphasizes on Clover Health Investments, Corp.’s AI-driven disruption through its Counterpart Health platform and improving unit economics.
Clover Health Investments, Corp. is not on our list of the 30 Most Popular Stocks Among Hedge Funds. As per our database, 12 hedge fund portfolios held CLOV at the end of the third quarter which was 17 in the previous quarter. While we acknowledge the risk and potential of CLOV as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and doing so within a shorter time frame. If you are looking for an AI stock that is more promising than CLOV and that has 10,000% upside potential, check out our report about this cheapest AI stock.
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Disclosure: None.
