[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Albert Alan [@_AlbertAlan](/creator/twitter/_AlbertAlan) on x 2893 followers Created: 2025-07-15 03:17:36 UTC Dear $CLOV Investors, A Learning Moment for All Following My Due Diligence on Clover Health Today, I’m reposting a skeptical take by someone who claims Clover Health is still free cash flow negative — and, more notably, questions my credibility. I want to use this moment as a learning opportunity for everyone who has followed my research over the past X years. Alongside this post, I’ve included a screenshot from our proprietary, state-of-the-art stock terminal a tool that consolidates high-quality financial data. This is for all those wondering how Wall Street continues to overlook what could be one of the most misunderstood opportunities in the market. Unfortunately, we still have individuals who are prime examples of uninformed retail investors. Even when presented with properly sourced, clearly cited data, they rely on a 5–10 second surface-level glance at Seeking Alpha to draw their conclusions rather than actual due diligence. This individual still believes Clover Health is free cash flow negative. But let’s walk through the facts: ✅ On a trailing 12-month basis, using accurate data, Clover Health posted $XXXXX million in free cash flow. ✅ In Q1 2025, they were free cash flow negative by $XXXXX million. ✅ If you subtract this from the trailing 12-month figure, Clover still comes out free cash flow positive by $XXXXX million. But intelligent investing doesn’t stop at surface-level math. A first-principles thinker digs into the Q1 2025 earnings call, where Clover’s CFO, Peter, clearly explains the dip in operational cash flow. The reason? They accelerated payments on unpaid claims not because of operational weakness. In fact, he explicitly stated they expect strong operational cash flow for the full year. Want to dig deeper? Let’s go straight to the SEC filings. Cash flow from operations isn’t just the $XX million you see at first glance. When properly analyzed, it’s actually closer to $XX million. So why the gap? It’s due to their ACO REACH program exit, which cost between $39M–$47M. If you’ve followed my due diligence (as many of you have), we’ve covered this at length. That was a one-time, discontinued cost meaning we should expect ~$47M of added free cash flow moving forward. Meanwhile, this individual truly believes a basic search engine query competes with XX years of structured, principle-based research. That is, frankly, laughable. I don’t post this out of frustration I post it to show how even larger accounts often fail to understand the nuance of proper due diligence. And in the short term, that might feel like a curse “Why am I one of the few seeing this? Why is no one else paying attention?” But that’s a blessing in disguise. Remember when Tesla was $2? Palantir was $6.42? AMD was $2? I could go on. We live in a society where independent thought is rare, and people genuinely believe that a glance at a financial site is equivalent to years of structured diligence. It’s the Dunning-Kruger effect at scale where people at the early stages of knowledge think they’ve mastered a subject. Just like many investors who sold Amazon, Palantir, or Nvidia too early this moment will likely pass, and those who don’t truly understand the fundamentals will miss it. Again. So you have to ask yourself: Do you want to be an intelligent investor or part of the XX% rowing an economic machine they don’t own? Some people will be great employees. And that’s fine we need them. Their labor generates EPS, which powers buybacks for investors like us. That’s how capitalism works. The beauty of being in one of the freest countries in the world is this: You get to choose your path. To those still asleep in the matrix pat them on the back and wish them well in their 9-to-5. For those of you here, doing the work, asking the hard questions, and sticking to first principles stay focused. This is how generational wealth is built.  XXXXX engagements  **Related Topics** [$02mil](/topic/$02mil) [$163mil](/topic/$163mil) [cash flow](/topic/cash-flow) [clover](/topic/clover) [acquisition](/topic/acquisition) [$clov](/topic/$clov) [Post Link](https://x.com/_AlbertAlan/status/1944959504984248616)
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
Albert Alan @_AlbertAlan on x 2893 followers
Created: 2025-07-15 03:17:36 UTC
Dear $CLOV Investors,
A Learning Moment for All Following My Due Diligence on Clover Health
Today, I’m reposting a skeptical take by someone who claims Clover Health is still free cash flow negative — and, more notably, questions my credibility. I want to use this moment as a learning opportunity for everyone who has followed my research over the past X years.
Alongside this post, I’ve included a screenshot from our proprietary, state-of-the-art stock terminal a tool that consolidates high-quality financial data. This is for all those wondering how Wall Street continues to overlook what could be one of the most misunderstood opportunities in the market.
Unfortunately, we still have individuals who are prime examples of uninformed retail investors. Even when presented with properly sourced, clearly cited data, they rely on a 5–10 second surface-level glance at Seeking Alpha to draw their conclusions rather than actual due diligence.
This individual still believes Clover Health is free cash flow negative. But let’s walk through the facts:
✅ On a trailing 12-month basis, using accurate data, Clover Health posted $XXXXX million in free cash flow. ✅ In Q1 2025, they were free cash flow negative by $XXXXX million. ✅ If you subtract this from the trailing 12-month figure, Clover still comes out free cash flow positive by $XXXXX million.
But intelligent investing doesn’t stop at surface-level math.
A first-principles thinker digs into the Q1 2025 earnings call, where Clover’s CFO, Peter, clearly explains the dip in operational cash flow. The reason? They accelerated payments on unpaid claims not because of operational weakness. In fact, he explicitly stated they expect strong operational cash flow for the full year.
Want to dig deeper? Let’s go straight to the SEC filings. Cash flow from operations isn’t just the $XX million you see at first glance. When properly analyzed, it’s actually closer to $XX million.
So why the gap? It’s due to their ACO REACH program exit, which cost between $39M–$47M. If you’ve followed my due diligence (as many of you have), we’ve covered this at length. That was a one-time, discontinued cost meaning we should expect ~$47M of added free cash flow moving forward.
Meanwhile, this individual truly believes a basic search engine query competes with XX years of structured, principle-based research. That is, frankly, laughable.
I don’t post this out of frustration I post it to show how even larger accounts often fail to understand the nuance of proper due diligence. And in the short term, that might feel like a curse “Why am I one of the few seeing this? Why is no one else paying attention?”
But that’s a blessing in disguise.
Remember when Tesla was $2? Palantir was $6.42? AMD was $2? I could go on.
We live in a society where independent thought is rare, and people genuinely believe that a glance at a financial site is equivalent to years of structured diligence. It’s the Dunning-Kruger effect at scale where people at the early stages of knowledge think they’ve mastered a subject.
Just like many investors who sold Amazon, Palantir, or Nvidia too early this moment will likely pass, and those who don’t truly understand the fundamentals will miss it. Again.
So you have to ask yourself: Do you want to be an intelligent investor or part of the XX% rowing an economic machine they don’t own? Some people will be great employees. And that’s fine we need them. Their labor generates EPS, which powers buybacks for investors like us. That’s how capitalism works. The beauty of being in one of the freest countries in the world is this: You get to choose your path.
To those still asleep in the matrix pat them on the back and wish them well in their 9-to-5. For those of you here, doing the work, asking the hard questions, and sticking to first principles stay focused. This is how generational wealth is built.
XXXXX engagements
Related Topics $02mil $163mil cash flow clover acquisition $clov