{
  "symbol": "CLOV",
  "company": "Clover Health Investments, Corp.",
  "generated_at": "2026-06-24T07:36:46.388Z",
  "event_count": 6,
  "events": [
    {
      "type": "pipeline_event",
      "ts": "2026-06-24T05:14:49.791Z",
      "stage": "scout",
      "outcome": "unparseable",
      "reason": null,
      "trigger": "sector_sweep top-3 · score 19 · options:dollar bias 99% · 8-K:3 in 14d · form4:5 in 14d (cluster — codes unverified) · above 50DMA + 200DMA · within 10% of 52w high",
      "source": "sector_sweep"
    },
    {
      "type": "scout_dossier",
      "ts": "2026-06-24T05:14:49.724Z",
      "summary": "{\"symbol\":\"CLOV\",\"company\":\"Clover Health Investments, Corp.\",\"investigation_summary\":\"CLOV has undergone a dramatic +87% price appreciation driven by a court-ordered CMS Star Rating recalculation (3.5→4.5 stars for its PPO contract covering 97%+ of members), Q1 2026 GAAP profitability ($0.05/share vs est. $0.07), and analyst upgrades. The stock is near all-time highs with forward P/E of ~50x — ri",
      "verdict": "unparseable",
      "tool_calls": 23,
      "walltime_min": 25,
      "debug_path": "dossiers/2026-06-24-CLOV.scout.debug.json"
    },
    {
      "type": "scout_dossier",
      "ts": "2026-06-17T19:46:25.876Z",
      "summary": "CLOV surged ~180% YTD following a Georgia District Court ruling on May 29, 2026 ordering CMS to recalculate its 2026 Star Rating for Contract H5141 (covering 97%+ of members), resulting in an upgrade from 3.5 to 4.5 Stars — the specific catalyst driving the move. The investigation trigger flagged 4 Form 4s in 14 days, but all were automated sell-to-cover or 10b5-1 plan sales; no discretionary open-market insider purchases (code P) were found among any of the 25 recent filings going back months. No mispricing exists: CLOV trades at 47.4x forward P/E vs. sector median ~15-18x for Medicare Advantage insurers, with a forward EV/EBITDA deeply negative and no positive earnings until recently (Q1 2026 first profitable quarter). The stock hit an all-time high on June 11 post-courtruling and has pulled back modestly — momentum is extended (RSI 69) with the price 8% below the 52-week high. Options flow is net bullish ($45K call bias) but no whale blocks. No edge in data; fully-valued at an extreme premium to peers with technical overbought conditions.",
      "verdict": "no_anomaly",
      "confidence": 4,
      "tool_calls": 21,
      "walltime_min": 24,
      "debug_path": "dossiers/2026-06-17-CLOV.scout.debug.json"
    },
    {
      "type": "scout_dossier",
      "ts": "2026-05-29T09:34:55.127Z",
      "summary": "CLOV has experienced a dramatic ~150% run from its March lows to a new 52-week high of $4.18 following Q1 2026 profitability ($27.3M GAAP net income) and a court win over CMS/HHS on Star Ratings (May 29, 2026). However, the investigation trigger is misleading: the Form 4 cluster in recent weeks consists almost entirely of OPEN-MARKET SALES and TAX-WITHHOLDING VESTS by insiders — NOT purchases. CEO Andrew Toy and Interim CFO Thornton had RSU vesting events triggering tax withholding sells; Director Edwards and executives Wai/Priest sold at $3.42-$3.99. There are zero open-market purchase transactions (code P) among the recent filings. The stock trades at a 41.8x forward P/E with negative EBITDA, RSI at 84.9 (deeply overbought), and analysts target only $2.82. The bull thesis (Medicare Advantage growth + Clover Assistant platform + Counterpart SaaS licensing) is real but already priced in at this valuation and momentum level.",
      "verdict": "no_anomaly",
      "confidence": 5,
      "tool_calls": 20,
      "walltime_min": 28,
      "debug_path": "dossiers/2026-05-29-CLOV.scout.debug.json"
    },
    {
      "type": "scout_dossier",
      "ts": "2026-05-22T09:55:41.199Z",
      "summary": "After reading all Form 4 filings from the trigger window and cross-referencing them against actual transaction codes (P=open-market purchase), I found that ALL recent insider activity is either RSU grants (code A) or tax-withholding sales on vesting (codes F/S). There are zero open-market purchases by insiders in the past 90 days. One officer sale — Brady Priest selling ~$345K at $3.52 on May 13 via code S (open market sale) — is the only genuine bearish signal from smart money, and it was tax-withholding-driven rather than a conviction sale. The company did deliver a strong Q1 2026 with first-ever GAAP net income ($27.3M) and 62% revenue growth, but this appears fully captured in the price: the stock is up ~48% in 30 days, RSI is at 79.6 (deeply overbought), and it trades at a forward P/E of 36x versus sector peers at 15-20x.",
      "verdict": "no_anomaly",
      "confidence": 4,
      "tool_calls": 26,
      "walltime_min": 15,
      "debug_path": "dossiers/2026-05-22-CLOV.scout.debug.json"
    },
    {
      "type": "scout_dossier",
      "ts": "2026-05-15T16:21:18.021Z",
      "summary": "After thorough examination of all 30 recent Form-4 filings, the triggering 'Form 4 cluster' is almost entirely RSU tax-withholding activity (code F) — not open-market buys. The sole genuine sale was a mid-level executive offloading $345K at near-52-week-high prices. Combined with an elevated forward P/E of ~34x versus sector leader Humana at ~20x, RSI overbought at 75.6, no CEO/CFO purchases in any window, and a recent CFO transition as a minor negative signal, the data presents neither a mispricing nor a credible insider edge for the long side.",
      "verdict": "no_anomaly",
      "confidence": 5,
      "tool_calls": 21,
      "walltime_min": 37,
      "debug_path": "dossiers/2026-05-15-CLOV.scout.debug.json"
    }
  ],
  "lessons": [],
  "chart_signal": {
    "ticker": "CLOV",
    "call": "BUY",
    "confidence": 4,
    "score": 6,
    "factors": {
      "above_200dma": "+2",
      "above_50dma": "+1",
      "momentum_up": "+1 (26.8%)",
      "rsi_overbought": "-1 (71.4)",
      "macd_above_signal": "+1",
      "recent_macd_bullish_cross": "+1 (8d ago)",
      "near_52w_high": "+1 (-1.6% from high)"
    },
    "summary": "BUY (score +6) · 12-1 mom 26.8% · RSI 71.4 · above_both · -1.6% from high",
    "last_close": 5.06,
    "one_month_ago_close": 3.6,
    "twelve_month_ago_close": 2.84,
    "twelve_one_momentum_pct": 26.76,
    "rsi_14": 71.4,
    "ma_stack": "above_both",
    "from_period_high_pct": -1.56,
    "period_high": 5.14,
    "price_targets": {
      "bear": 2.73,
      "fair": 4.21,
      "bull": 5.91,
      "bear_return_pct": -46,
      "fair_return_pct": -16.8,
      "bull_return_pct": 16.8,
      "method": "street_targets ⨯ chart_floors",
      "street": {
        "target_low": 3.5,
        "target_mean": 4.15,
        "target_high": 4.75,
        "analyst_count": 3
      }
    },
    "generated_at": "2026-06-24T07:36:46.383Z"
  }
}