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CLOVER HEALTH INVESTMENTS CORP CLA (CLOV)

Health Care · Managed Health Care · NASDAQ

Clover Health combines Medicare Advantage insurance with a data-driven, AI-enabled software platform designed to improve primary care outcomes and manage medical costs.

What CLOVER HEALTH INVESTMENTS CORP CLA does

Clover Health is a healthcare company that provides Medicare Advantage insurance plans and utilizes its proprietary AI-powered platform, Clover Assistant, to support primary care physicians in managing patient health. The company also offers its technology to external payors and providers through its Counterpart Assistant software brand.

Themes: Medicare Advantage, AI-driven healthcare, Value-based care technology, Health insurance software

Fundamentals

  • Price$4.58 as of 2026-10-08 close
  • Market cap$2.4B as of 2026-07-31 (share count; price 2026-10-08)
  • 1-year return+64.7% 2025-10-08 close $2.78 → 2026-10-08 close $4.58
  • P/En/a negative earnings
  • Net margin-4.4% FY2025, SEC XBRL
  • Gross margin+20.4% FY2023, SEC XBRL
  • ROE-27.7% FY2025, SEC XBRL
  • Debt / equity0.00 as of 2026-09-03
  • Revenue growth (YoY)+48.8% as of 2026-09-03
  • Revenue CAGR (3y)+20.6% SEC XBRL
  • Beta0.89 as of 2026-09-03
  • Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)

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How CLOV compares in its sector

  • net profit marginmiddle range 430 covered Health Care peers, as of 2026-09-03
  • operating marginmiddle range 417 covered Health Care peers, as of 2026-09-03
  • gross marginbottom 10% 189 covered Health Care peers, as of 2026-09-03
  • return on equitymiddle range 510 covered Health Care peers, as of 2026-09-03
  • 3-year revenue CAGRmiddle range 402 covered Health Care peers
  • free cash flow (absolute dollars, latest fiscal year)middle range 494 covered Health Care peers, as of FY2025

Position among covered Health Care companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Top 10 scores & list membership

CLOV is not currently in any published Top 10 list. Its scores are below.

Top 10 score

49.5 #775 of 1,379 scored · #93 of 151 in Health Care

  • Profitability8.3
  • Growth89.3
  • Financial health53.2
  • Valuation36.8
  • Capital return16.4
  • Trend74.0

Growth 89th (revenue growth year over year 48.8%, 3-year revenue CAGR 20.6%) and trend 74th (trading above its 200-day average); weakest is profitability (8th, return on equity -27.7%, operating margin -4.4%).

Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.

How CLOVER HEALTH INVESTMENTS CORP CLA looks technically

CLOVER HEALTH INVESTMENTS CORP CLA (CLOV) is trading 37.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 88 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 14, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 54, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day low about 6 trading days ago. It is 18.1% below its highest point of the past year. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 6% of the past ~6 months), which often precedes a bigger move.

Trend

8
Distance from the 200-dayit is trading 37.0% above its 200-day average, the long-term trend line — a longer-term uptrend+37.0%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $4.41$4.41
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $3.34$3.34
Swing structureits recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swingsmixed — one of the two is not confirming
Last swing turnits last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on7 sessions
Wave structureits recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 4.11. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next.possible three-wave downward correction, complete (atypical proportions)
Since the 50/200 crossits 50-day average crossed above its 200-day average about 88 trading days ago — a "golden cross", a bullish long-term signal88 sessions
Trend strength (14-day ADX)there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 14, below the 25 that marks a real trend)14.1

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 54, neither overbought (above 70) nor oversold (below 30)53.9
Position in its 14-day rangeit is trading in the upper half of its 14-day range ($4.11 to $4.75) — its "stochastic" reading is 73 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.73.4
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive)3 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $5.59$5.59
From the 52-week highit is 18.1% below its 52-week high (its highest price of the past year)-18.1%
Above the 52-week lowit is 189.9% above its 52-week low (its lowest price of the past year)+189.9%
Below the 52-week highit is 18.1% below its highest point of the past year18.1%
Since a 20-day breakoutit made a new 20-day low about 6 trading days ago6 sessions
Since a 55-day breakoutit is trading within its recent 55-day range, with no fresh breakout up or down0 sessions
All-time highits highest closing price on record is $28.85 (set on 2021-06-09)$28.85
Given back of the 52-week moveover the past year its closes ranged ($1.70 to $5.41), and it has given back roughly a quarter of its rise from last year’s low — 22% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $3.00 to $3.12. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.22.4%
From the all-time highit is 84.1% below its all-time high-84.1%
Nearest price levelit is trading 5.9% below a resistance level at $4.85 — a price it turned at three times since 2025-01-24, most recently on 2026-07-21. Since 2024-10-08 it has 10 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.+5.9%
All-time lowits lowest closing price on record is $0.606 (set on 2024-04-22)$0.606
Above the all-time lowit is 655.8% above its all-time low+655.8%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 6% of the past ~6 months), which often precedes a bigger move6th percentile
Typical daily rangein a typical session it travels about $0.2088 between its high and its low — about 4.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$0.2088
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $4.17 and $4.93 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$4.17 – $4.55 – $4.93
Typical daily range (% of price)its price moves about 4.6% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price4.6%
Stretch from the 200-day averageit is trading 5.9 daily ranges above its 200-day average price (37.0% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale5.9 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average1.22×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingnot available for this company yetn/a

Candlestick patterns

1
Since a doji1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level1 session ago

Price gaps

2
Gap at the openit opened on 2026-10-08 1.3% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close-1.3%
Gap filleda 3.2% gap up opened on 2026-09-10 has been "filled" 8 sessions ago — price traded back through the level the gap left behind, and it took 12 sessions to close8 sessions ago

Price streaks

1
Closing streakit closed higher in its latest session, after a session that did not close higher — a single up day rather than a run1 session up

Relative strength

4
vs market, 1 monthover the past 1 month this stock beat the market by 5.7 percentage points (the stock gained 6.8% while the market gained 1.0%)+5.7%
vs market, 3 monthsover the past 3 months this stock lagged the market by 5.5 percentage points (the stock lost 1.7% while the market gained 3.8%)-5.5%
vs market, 6 monthsover the past 6 months this stock beat the market by 127.5 percentage points (the stock gained 144.9% while the market gained 17.5%)+127.5%
vs market, 12 monthsover the past 12 months this stock beat the market by 49.8 percentage points (the stock gained 64.7% while the market gained 15.0%)+49.8%

Signal agreement

2
Bullish technical signals4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast4 of 9
Bearish technical signals0 of the 9 technical signals we can compute for it are currently in a bearish state — these describe past price behaviour, not a forecast0 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is thick, spanning 8.9% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross.0.0%

Volume-weighted price

2
Vs this year’s average price paidthe price is 35% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $3.39 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP.+35.2%
Vs the average paid since it last reportedthe price is 2% above the average price paid since it last reported on 2026-08-05 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $4.47 — a volume-weighted average of daily closes over 46 sessions, not a true tick-by-tick VWAP.+2.4%

Price levels it has turned at before

CLOV last closed at $4.58 on 2026-10-08. Since 2024-10-08 it has turned at 10 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$4.85Resistance5.9% above the last closeturned there three times · 2025-01-24 to 2026-07-21
$4.12Support10.1% below the last closeturned there four times · 2026-07-28 to 2026-10-01
$4.04Support11.7% below the last closeturned there twice · 2025-02-03 to 2026-08-25
$5.18Resistance13.2% above the last closeturned there three times · 2026-06-11 to 2026-09-14
$3.91Support14.6% below the last closeturned there three times · 2025-03-25 to 2025-10-24

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.

This labelling fails — stops being a possible reading at all — if it closes below $4.11.

It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.

This reading has stood for 5 trading days, since 2026-10-02.

Read from daily closes as of 2026-10-08.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Mean price target$5.38 range $5.00 – $6.00; median $5.25

Analyst estimates, as of 2026-10-07. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for CLOV

  • Consensus EPS estimate$0.01 next reporting period, as of 2026-10-07
  • Estimate change, 30 days$0.00 from $0.01, on 2026-09-03, 34-day window
  • Readings revised upward0% of 8 comparable readings

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Regulatory and legislative risks related to the Patient Protection and Affordable Care Act (ACA), Medicare policy, and medical loss ratios.","Dependency on the successful adoption and effectiveness of the Clover Assistant and Counterpart Assistant AI platforms.","Risk of failing to maintain or improve Star Ratings, which significantly impacts financial performance and member retention."]

See CLOV's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of CLOV's 10-Q filed 2026-08-07 against the prior one filed 2026-05-08.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Newer filing (filed 2026-08-07) adds an 'Executive Summary' section not present in older filing (filed 2026-05-08).
    • Newer filing adds 'Recent Developments' section describing CMS Star Ratings events, including June 9, 2026 CMS notice that PPO contract H5141 2026 Star Rating was recalculated from 3.5 Stars to 4.5 Stars for payment year 2027, June 17, 2026 CMS guidance on 2027 QBP ratings showing H5141 at 4.5 Stars and HMO contract H8010 increased from 4.0 Stars to 4.5 Stars, and July 21, 2026 CMS Notice of Appeal in Stars Litigation.
    • Newer filing provides membership count as of June 30, 2026: 157,309 members.
    • Newer filing reports selected financial results for three and six months ended June 30, 2026, including total revenues, income from operations, adjusted SG&A as percentage of total revenues, adjusted EBITDA, cash/cash equivalents/investments, and consolidated gross profit.
    • Newer filing includes a table of key financial measures for three and six months ended June 30, 2026 and 2025, including total revenues, net medical claims incurred, and consolidated gross profit with PMPM amounts.
  • Removed:
    • Older filing (filed 2026-05-08) contains a table of key financial measures for the three months ended March 31, 2026 and 2025, including total revenues, net medical claims incurred, consolidated gross profit, adjusted SG&A, adjusted EBITDA, adjusted net income, Insurance segment average Medicare Advantage membership, premiums earned net, insurance net medical claims incurred, and insurance benefits expense ratio.
    • Older filing reports membership count as of March 31, 2026: 155,773 members.
  • Reworded:
    • Newer filing changes the reference date for 'we operated our MA plans...' from March 31, 2026 to June 30, 2026 and updates membership from 155,773 to 157,309.
    • Newer filing changes the table period heading from 'Three Months Ended March 31,' to 'Three Months Ended June 30, Six months ended June 30,'.
    • Newer filing changes the financial data in the key performance measures table from Q1 2026/Q1 2025 figures to Q2 2026/Q2 2025 and six-month 2026/2025 figures.
    • Newer filing removes the PMPM footnote table layout used in the older filing.
  • Notes:
    • The newer text is truncated partway through the key performance measures table, so further additions or changes after the visible portion cannot be assessed from the provided text.
    • The older text appears complete for the MD&A section shown but may not include all narrative definitions following the table because the provided text ends mid-sentence before the 'Premiums earned, net' definition is complete.

Risk Factors

  • Added:
    • Newer filing adds a full cybersecurity risk factor under Item 1A Risk Factors covering security breaches, PII/PHI protection, AI-enabled attack methods, third-party service provider risks, and the Change Healthcare incident.
    • Newer filing adds disclosure of a July 4, 2026 unauthorized access incident involving three non-managerial employee accounts via social engineering, affecting member visit-scheduling and broker-facing sales functions with access to PII and PHI.
    • Newer filing states its investigation of the July 4, 2026 incident remains ongoing and the ultimate scope of unauthorized access or data acquisition has not been fully determined.
    • Newer filing adds a reference to Note 12 'Commitments and Contingencies – Legal Actions' for litigation arising from the July 4, 2026 incident.
    • Newer filing adds disclosure that the 2024 Change Healthcare ransomware attack compromised certain members' personal information including PHI, though it did not have a material impact.
    • Newer filing includes a new Item 5 Other Information disclosure that on June 8, 2026, Conrad Wai, Chief Executive Officer of Counterpart Health, Inc., adopted a Rule 10b5-1 trading arrangement (text truncated).
  • Removed:
    • Older filing includes Item 5 disclosure of two Rule 10b5-1 trading plans adopted March 12, 2026 by Karen Soares and Jamie Reynoso, with details on share counts, price conditions, and trading windows; these disclosures do not appear in the newer filing's Other Information section.
    • Older filing includes a statement that none of the Company's directors entered into a trading arrangement during the quarter; this statement is not present in the newer filing's Other Information section.
  • Reworded:
    • Older filing's Item 5 Other Information states 'During the three months ended March 31, 2026'; newer filing states 'During the three months ended June 30, 2026'.
    • Newer filing's Item 5 names Conrad Wai as the officer adopting a trading arrangement, whereas older filing's Item 5 names Karen Soares and Jamie Reynoso.
  • Notes:
    • The newer text is truncated mid-sentence in Item 5 Other Information at 'The trading arrangemen', so the full disclosure about Conrad Wai's trading arrangement beyond the initial sentence is not available for comparison.
    • The newer excerpt includes Items 2 through 5 after the Risk Factors section, while the older excerpt includes Items 2 through 6 plus signature pages; comparison of Item 6 Exhibits in the newer filing is not possible because it is not included in the newer source text.

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

0 open-market purchases and 18 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.

  • Last 30 days · read to 2026-10-040 buys · 9 sells ($3M) — 5 selling insiders
  • Last 90 days · read to 2026-10-040 buys · 18 sells ($4M) — 6 selling insiders
  • Last 180 days · read to 2026-10-040 buys · 29 sells ($8M) — 8 selling insiders

Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-10-07. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding CLOV as of 2026-06-30 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 56,866,949
  • Reported value $297,982,810

reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

CLOV had 23,446,183 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).

Short interest as a percent of shares outstanding is not shown for CLOV because we do not hold a verified share count to divide it by. The reported figures above are unaffected.

  • Reported short interest (shares) 23,446,183
  • Prior settlement (shares) 23,677,399
  • Reported change -0.98%
  • Days to cover (reported) 5.18

Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does CLOVER HEALTH INVESTMENTS CORP CLA (CLOV) do?

Clover Health is a healthcare company that provides Medicare Advantage insurance plans and utilizes its proprietary AI-powered platform, Clover Assistant, to support primary care physicians in managing patient health. The company also offers its technology to external payors and providers through its Counterpart Assistant software brand.

What sector is CLOVER HEALTH INVESTMENTS CORP CLA (CLOV) in?

CLOVER HEALTH INVESTMENTS CORP CLA (CLOV) is classified in the Health Care sector. Its industry is Managed Health Care. It trades on NASDAQ.

Who are CLOVER HEALTH INVESTMENTS CORP CLA's (CLOV) competitors?

Notable peers of CLOVER HEALTH INVESTMENTS CORP CLA (CLOV) include UnitedHealth Group, Humana, CVS Health, Elevance Health and Centene. This peer set is informational only — not financial advice.

Is CLOVER HEALTH INVESTMENTS CORP CLA (CLOV) overbought or oversold right now?

CLOVER HEALTH INVESTMENTS CORP CLA (CLOV) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 54, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on CLOV come from?

Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-10-08.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.