Just caught Clover's Q4 earnings and honestly the revenue numbers are solid. They hit $487.7M, up 45% year-over-year and beat estimates. What's interesting is the Medicare Advantage membership jumped 38% - that's the real story here. Clover's clearly winning on member acquisition while keeping costs relatively controlled despite the BER ticking up to 95%. The company's guidance for 2026 is pretty bullish too - they're calling for $2.81-$2.92B in revenue, which would be another 49% growth. Average MA membership expected to hit 154K-158K members. For a company that's been struggling with profitability, seeing Clover finally project GAAP net income in the $0-$20M range for next year is a shift. The Clover Assistant platform seems to be the real differentiator here - they mentioned two-thirds of members used it in 2025. Stock popped 2.3% after hours on the guidance beat. Cash position did drop to $78.3M from $190.1M last quarter though, so they're burning through capital. If they can execute on that 2026 guidance and actually hit profitability, this could be a turnaround story worth watching.