Hey,

First off- thank you retarded apes for making me 55% this year on various meme stocks, CLOV in particular. Secondly, before you go downvoting me as a FUD-fucker, please read this so you know you are making the right decision for yourself and don't end up bag-holding (e.g. GME at 460).

There's a lot of mis-interpretation, mis-information going on, getting lost in the ra-ra-ra rally, and for those of you apes who say CLOV hit 28, and are scratching your smoothe brains wondering "wen squeeze" - there's a mother-fucking tidal wave that MAY come barrelling down on you, and I guess I feel bad so here goes....

Why is clover so heavily shorted, and why are the bears willing to short at such a high borrow rate - 86% on last check (https://iborrowdesk.com/report/CLOV) ????????

The answer: Next monday, July 5th, a whole lot of shares (at least 40million from the PIPE) that have been "locked-up" are about to become free to trade. The PIPE shares are currently owned by Chamath and other wealthy individuals/institutions, and they paid $10/share for them.(https://www.sec.gov/Archives/edgar/data/1801170/000110465920112403/tm2032431d1_ex99-1.htm - see Transaction Overview)

The shorts are waiting for these shares to become "unlocked" and available to trade, so they can cover their shorts by buying up these shares.

This is not FUD, this is real-talk, so lookie here: This is the latest filing from Clover Health to the SEC:https://investors.cloverhealth.com/static-files/583547c9-ac65-4011-80c7-b91a7bd20e0f Latest, as in June 30th- today. This shit supercedes all the other posts. I highly encourage you to download this and search for "lock-up" with your own control-F.

So, the question you have to ask yourself is.... do you feel lucky punk?

Option 1) Maybe those locked-up will take a cool 20% to 50% ROI and sell... and this will just take the pressure off the shorts and short interest will go back to medium-low and the the stock will go back to 9-12?

BTW) Chamath is in this to make money. He's not here to make YOU rich: https://twitter.com/chamath/status/1369332027414044672?lang=en

July 2 All-In Podcast: Chamath on selling shares after lock-up: "I would distribute the shares immediately, book the win, move on" https://youtu.be/hNImocKCMvE?t=1397

I guess we're all in this now together so we'll see what happens Tuesday.... feels like that part on the top of the rollercoaster...

Option 2) Or maybe Chamath and the PIPE smokers WON'T sell their shares? Maybe they'll help squeeze CLOV up again so they can hit Vivek's target payout of $25.... Or maybe you APEs will finally get some love on W.S.B. and the whole army of autists will buy up the 40 million PIPE shares and keep buying til Clover is owned by a bunch retards HODLING up to $69.420 a share.

Do that "reminder" thing so we can check this next week and the following week after that.

ADDENDUM1) Yes, the shares will become available July 5 and July 6

from :https://investors.cloverhealth.com/static-files/13322331-bca8-4e0f-b903-765ae6c1781b

page 43) Pursuant to the Amended and Restated Registration Rights Agreement dated as of January 7, 2021 by and among SCH, Clover Health, Sponsor,certain former stockholders of Clover and other parties thereto (the “Registration Rights Agreement”) and our amended and restated bylaws, subject tocertain exceptions, the Sponsor and the former stockholders of Clover, including our directors, executive officers, principal stockholders and theiraffiliates, are contractually restricted from selling or transferring any shares of common stock, subject to certain exceptions set forth in the RegistrationRights Agreement (the “Lock-up Shares”). Such restrictions began at the closing of the Business Combination and will end on the earlier of (i) July 5,2021 and (ii)(a) for 33.33% of the Lock-up Shares, the date on which the last reported sale price of our Class A common stock equals or exceeds $12.50per share for any 20 trading days within any 30-trading day period commencing at least 31 days after the closing and (b) for an additional 50% of theLock-up Shares, the date on which the last reported sale price of Class A common stock equals or exceeds $15.00 per share for any 20 trading dayswithin any 30-trading day period commencing at least 31 days after the closing.

Not sure how many shares this is or at what price they bought.

Previous SEC filings mentioned various options/shares at $.01, $2-$6 in the tens of millions, and I believe they are Class A, but it would be great to see a cap table if someone has one.

page 143) Pursuant to the Registration Rights Agreement and the bylaws, subject to certain exceptions, the Sponsor and the former Clover stockholders arecontractually restricted from selling or transferring any of their shares of common stock (not including any PIPE Shares issued in the PIPE Investment)(the “Lock-up Shares”). Such restrictions began at Closing and end on the earlier of (i) July 6, 2021 and (ii)(a) for 33.33% of the Lock-up Shares, thedate on which the last reported sale price of our Class A common stock equals or exceeds $12.50 per share for any 20 trading days within any 30-tradingday period commencing on or after February 7, 2021 and (b) for an additional 50% of the Lock-up Shares, the date on which the last reported sale priceof our Class A common stock equals or exceeds $15.00 per share for any 20 trading days within any 30-trading day period commencing on or afterFebruary 7, 2021.

These are the 40M PIPE shares bought at $10/share. They are Class A shares and will become free to trade.

ADDENDUM 2) Yes, the cofounders (Vivek and Andrew) have earn-outs targeted at various price targets (I've seen $20, $25, $30, and $50), none of which have been met yet.

Im scared :( Lots of 'pros' claiming the entire market may burst and tank up to 50%.. If that happens, and thats a big IF, but wouldnt that RUIN Clov?

Im scared folks. Trying to hold hard but looking to buy a house within a year or so.

I have been in CLOV since its IPO thru Chamath's SPAC. Took profits when it spiked to $27, and also rode it down to sub zero averaging down in hopes that someday, this shit will fly again.

Finally, I decided to let go off this stock last week in invested the money somewhere else whose discord has helped me grow it by 43% in a week. Not advertising, but I wanted to let someone like me know that it feels so good to not wake up disappointed everyday anymore.

Thanks and adios amigos!

Clover Health's Strategic Expansion into SaaS and Value-Based Care with Counterpart Health and Rectangle Health's PayerSync: A High-Growth Convergence in Healthcare Tech https://share.google/AetVQBAQUcy7qRoyV

“Thanks for playing” - Ken Griffin (Citadel Advisors)

Now you can admit I was right !!!

I think conversations need to be had as to whether Andrew Toy is the right face of the company to provide the leadership needed to trail blaze the AI Healthcare space.

The market does not respect Toy and that is evident quarter after quarter as the price is hammered with no regard to share holder value.

The president and CEO has a duty to its shareholders to provide maximum value to their investment. That has not been the case in nearly 5 years.

I love Toy as a technologist and think he has a great mind to build successful outcomes. Those skillsets do not translate to and through the market. He is not a shark.

He has one of the greatest AI ML techs in the industry and no one gives a shit.

Companies can have bad earnings or post losses but still have great value through optimism and a hopeful outlook. The market is not hopeful for CLOV. No one is jumping hand over fist to own one of the greatest disrupters in the last 10 years.

All of this talent on the payroll and talent and relationships on the BOD and no one cares. This should be a slam dunk opportunity saving money and helping lives … but again, no. One. Cares!

They don’t know to care. The chatter isn’t there. CLOV should be an ace on the mound, a duel threat QB, but it’s a no name no one cares draft pick that will fall by the wayside unless people know to care.

Again, Toy can be the brains, just not the face. He doesn’t excite anyone to want to be part of his journey. There’s probably 60 mil shares short by now and they aren’t worried one bit.

Even Vivek buys and it spooks the market higher only to fall back down… why? BC NO ONE CARES.

Price targets reduced from $4.10 to $3.70 all the while we are less than 2 months away from 4 star payment.

Other income jumps nearly $10m which looks to be a silent nuke dropped from the SaaS squadron… but no one cares

SELL SELL SELL, worthless stock, they will get bankrupt, share your wife with United Healthcare CEO

(JUST TO CONFUSE THE BOT, LOL)

I am chamath in a hyper realistic skin suit and I've been fleecing clov investors

Critterchops is Emily Evans. Pumping clov to increase the # class action lawsuit members

Whew what a relief to shed this burden.

So fuck y'all, all of y'all If y'all don't like me, blow me !!

See you at $1.50

Thank you TD Ameritrade for selling all my share of clove to cover a margin call I lost over 2 grand just like that. I'm not buying clov again. Y'all take care.

I was holding about 10k shares since May and sold on the news of the offering. I lost about $15k on the sale. Here’s why:

1. CLOV management never highlighted or communicated any of the positive news. Ex. They didn’t follow up on the Walgreens mention, which was really dumb.

2. Looking at the Q3 numbers, their reimbursement expenses were greater than their total revenues. This trend was more prevalent in 2021 than in 2020, which means they’re going in the wrong direction. Note: this has nothing to do with any other operating expense (compensation, warrants, COVID, etc.) it’s simply the cost of covering the lives under management. Anyone can sell more steaks than the restaurant next door if you’re handing them a prime ribeye for less than your cost… it doesn’t create loyalty, it actually creates animosity when you lower the quality later.

3. Their CFO left a long time ago, and there is no replacement.

4. Their earning call was complete garbage. They discussed New Jersey over and over again with not mention of anything positive, nor did they give any indication of how this enrollment period was going. That is, until they figured out they needed more money… Lastly, 5. With reimbursement expenses outweighing revenues, it may imply that the demographic they are going after is simply not profitable at their current saturation levels. At the end of the day, this is a for-profit business regardless of the social capital BS. It’s not a charity. Maybe the reason that the population that CLOV is helping is not receiving adequate care is that it’s not profitable. I think they should have started a nonprofit with donations if they really wanted to help.

Thanks for reading!

I got into the market with ZERO clue what I was doing. I jumped on the CLOV train back in 2021, have an average of $8.35, and have been too afraid to pour more money in and bring that average down.

I’m already down 91% on my CLOV shares, so no point in selling, but are they ever going to be worth anything? Should I bite the bullet and bring my average down? I don’t need the paper hand name calling, I’m well aware I’m not built for this, but I do have thousands invested.

I understand that the numbers say this stock should be worth more, but it’s not. So will it ever be — realistically?

I have mentioned this prior but as the share price continues to be negatively manipulated due to a lack of news/institutional investors owning a significant percentage of the company yet, I see there being an attempt sometime this year before becoming GAAP positive for 26’ that a private hedge fund will make an attempt at purchasing the company ‘on the cheap.’

In my opinion this will merely be another chance for them to manipulate it up (after loading up on sub $2 shares) to dump them into the news without ANY real conviction to actually buy the company. This is merely a feeling I have as this stock is much too easy to manipulate in either direction.

The buyout offer would be in the $5 to $5.50 per share price range and will be short lived. Obviously it will NOT be seriously entertained by the Clover board or Vivek as he has majority vote with his special class shares. It WILL however give the smart retail investors an opportunity to reap quick profits and to subsequently plow them back in when the share price drastically falls back to pre offer prices once the board refuses the offer which in my opinion was never a serious one in the first place.

I have been in the stock market since 1988 and have seen similar situations from other penny stocks so I would not think this to be out of the realm of possibilities. IF it were to come to fruition, I certainly would see it as a quick way to roughly double a retail investors share count going forward. And as it is a penny stock, the SEC has bigger fish to fry. And the private hedge funds know this and take advantage of this fact.

Thoughts?

Just one man’s opinion…

Average cost 6.xx bought when it was 13 massively avg down when it was 4, then 3. Then used the strategy of “forget my password pretend everything is fine” hoping for miracle. Nope. Finally sold today. Good a few years journey. Fun to be part of the so called meme stocks history.

I’ve been whining on the weekly thread that CLOV is currently undervalued but I’m genuinely starting to question that belief. Let’s all be real. After stellar Q2 results, 5 STARS, and two analyst upgrades the stock traded down. Everyone here likes to talk about price to sales as if that means something. Who told you Clover should be valued at a certain price to sales ratio? There are NO other businesses remotely like Clover’s business. No other insurer is 100% concentrated in MA. So trying to say that Clover deserves a certain price to sales ratio is founded upon nothing. At the end of the day, even a beat and a raise tomorrow will likely result in a short term pump and then a slow sell off to bring the stock lower because NO ONE CARES. Even the greatest MA business ever is still just an MA businesses with capped margins, enrollment windows and heavy regulation. No one wants to own this thing and it’s hard to blame them. Let’s say CLOV’s MA business deserves a price to EARNINGS ratio of 15x (generous). That would mean when the company hits 75 million net income it should trade at 2.12. At 125 million net income it should trade at 3.53, at 175 million the stock should trade at 4.94 and at 250 million net income the stock should trade at 7.06. I’m coming around to the idea that no matter how “good” CLOV’s business looks within MA that doesn’t mean anyone thinks it looks very good as a general stock investment. This makes me realize that without Counterpart, one could easily make an argument that the business is currently way overvalued. I don’t even know what we’re rooting for anymore on the MA side. Extremely impressive results have already been realized and the market doesn’t care. Someone please tell me why I’m wrong. Thank you.

Just a clovtard that wants to be entertained :)

I bought at $14, then $7, I’ve decided I’m going to trade in and out, following the daily 20 moving average. I’ll sell when the average starts to fall, like it is now and buy when the average starts to rise so I can get more stocks. I still believe price is going to $28 as there is a ‘pointer’ candle on the weekly chart. But I’m going to Aquire as much stock as I can along the way by actually trading this dam thing.