vs
美国国际集团（AIG）与CLOVER HEALTH INVESTMENTS, CORP.（CLOV）财务数据对比。点击上方公司名可切换其他公司
美国国际集团的季度营收约是CLOVER HEALTH INVESTMENTS, CORP.的13.4倍（$6.5B vs $487.7M）。美国国际集团净利率更高（11.2% vs -10.1%，领先21.3%）。美国国际集团同比增速更快（380.9% vs 44.7%）。过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（18.6% vs -27.8%）
美国国际集团（AIG）是全球知名保险提供商，服务覆盖北美及全球其他地区，面向商业客户、机构客户及个人用户推出多元化保险产品，业务涵盖责任险、财产险、航空航天险、政治风险保险、贸易信用保险、农业保险、海事保险等多个领域，可满足不同客户的风险保障需求。
克利弗健康投资公司是2014年成立的美国医疗保健企业，主营联邦医疗保险优势计划保险产品，是与美国政府直接签约合作的机构。目前公司为美国11个州的联邦医疗保险参保人提供健康管理服务，并已于2021年1月8日公开上市。
AIG vs CLOV — 直观对比
营收规模更大
AIG
是对方的13.4倍
$487.7M
营收增速更快
AIG
高出336.2%
44.7%
净利率更高
AIG
高出21.3%
-10.1%
两年增速更快
CLOV
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $487.7M |
| 净利润 | $735.0M | $-49.3M |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | -10.1% |
| 净利率 | 11.2% | -10.1% |
| 营收同比 | 380.9% | 44.7% |
| 净利润同比 | -18.2% | -123.2% |
| 每股收益（稀释后） | $1.36 | — |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收AIGCLOV
| Q4 25 | $6.5B | $487.7M | ||
| Q3 25 | $6.4B | $496.6M | ||
| Q2 25 | $7.1B | $477.6M | ||
| Q1 25 | $6.8B | $462.3M | ||
| Q4 24 | $1.4B | $337.0M | ||
| Q3 24 | $6.8B | $331.0M | ||
| Q2 24 | $6.6B | $356.3M | ||
| Q1 24 | $12.6B | $346.9M |
净利润AIGCLOV
| Q4 25 | $735.0M | $-49.3M | ||
| Q3 25 | $519.0M | $-24.4M | ||
| Q2 25 | $1.1B | $-10.6M | ||
| Q1 25 | $698.0M | $-1.3M | ||
| Q4 24 | $898.0M | $-22.1M | ||
| Q3 24 | $459.0M | $-9.2M | ||
| Q2 24 | $-4.0B | $7.4M | ||
| Q1 24 | $1.2B | $-19.2M |
毛利率AIGCLOV
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 24.5% | ||
| Q2 24 | — | 30.3% | ||
| Q1 24 | — | 23.6% |
营业利润率AIGCLOV
| Q4 25 | 10.1% | -10.1% | ||
| Q3 25 | 11.2% | -4.9% | ||
| Q2 25 | 21.8% | -2.2% | ||
| Q1 25 | 14.2% | -0.3% | ||
| Q4 24 | 40.6% | -6.4% | ||
| Q3 24 | 9.6% | -2.7% | ||
| Q2 24 | 9.4% | 2.0% | ||
| Q1 24 | 16.3% | -6.5% |
净利率AIGCLOV
| Q4 25 | 11.2% | -10.1% | ||
| Q3 25 | 8.2% | -4.9% | ||
| Q2 25 | 16.1% | -2.2% | ||
| Q1 25 | 10.3% | -0.3% | ||
| Q4 24 | 65.9% | -6.6% | ||
| Q3 24 | 6.8% | -2.8% | ||
| Q2 24 | -60.6% | 2.1% | ||
| Q1 24 | 9.7% | -5.5% |
每股收益（稀释后）AIGCLOV
| Q4 25 | $1.36 | — | ||
| Q3 25 | $0.93 | — | ||
| Q2 25 | $1.98 | — | ||
| Q1 25 | $1.16 | — | ||
| Q4 24 | $1.34 | — | ||
| Q3 24 | $0.71 | — | ||
| Q2 24 | $-5.96 | — | ||
| Q1 24 | $1.74 | — |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $78.3M |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | $308.7M |
| 总资产 | $161.3B | $541.0M |
| 负债/权益比越低杠杆越低 | 0.22× | — |
8季度趋势，按日历期对齐
现金及短期投资AIGCLOV
| Q4 25 | — | $78.3M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $194.5M | ||
| Q3 24 | — | $288.0M | ||
| Q2 24 | — | $254.8M | ||
| Q1 24 | — | $208.3M |
总债务AIGCLOV
| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.9B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIGCLOV
| Q4 25 | $41.1B | $308.7M | ||
| Q3 25 | $41.1B | $340.9M | ||
| Q2 25 | $41.5B | $344.2M | ||
| Q1 25 | $41.4B | $336.1M | ||
| Q4 24 | $42.5B | $341.1M | ||
| Q3 24 | $45.0B | $342.2M | ||
| Q2 24 | $44.4B | $324.9M | ||
| Q1 24 | $43.4B | $292.5M |
总资产AIGCLOV
| Q4 25 | $161.3B | $541.0M | ||
| Q3 25 | $163.4B | $559.7M | ||
| Q2 25 | $166.0B | $575.0M | ||
| Q1 25 | $161.9B | $583.7M | ||
| Q4 24 | $161.3B | $580.7M | ||
| Q3 24 | $169.4B | $653.0M | ||
| Q2 24 | $167.9B | $674.2M | ||
| Q1 24 | $544.1B | $671.8M |
负债/权益比AIGCLOV
| Q4 25 | 0.22× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.21× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $636.0M | $-68.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-68.7M |
| 自由现金流率自由现金流/营收 | — | -14.1% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | 0.87× | — |
| 过去12个月自由现金流最近4个季度 | — | $-69.0M |
8季度趋势，按日历期对齐
经营现金流AIGCLOV
| Q4 25 | $636.0M | $-68.2M | ||
| Q3 25 | $1.3B | $12.1M | ||
| Q2 25 | $1.4B | $5.4M | ||
| Q1 25 | $-56.0M | $-16.3M | ||
| Q4 24 | $125.0M | $-85.8M | ||
| Q3 24 | $1.7B | $50.0M | ||
| Q2 24 | $930.0M | $44.8M | ||
| Q1 24 | $519.0M | $25.9M |
自由现金流AIGCLOV
| Q4 25 | — | $-68.7M | ||
| Q3 25 | — | $11.4M | ||
| Q2 25 | — | $4.8M | ||
| Q1 25 | — | $-16.5M | ||
| Q4 24 | — | $-86.1M | ||
| Q3 24 | — | $49.6M | ||
| Q2 24 | — | $44.4M | ||
| Q1 24 | — | $25.5M |
自由现金流率AIGCLOV
| Q4 25 | — | -14.1% | ||
| Q3 25 | — | 2.3% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | -3.6% | ||
| Q4 24 | — | -25.6% | ||
| Q3 24 | — | 15.0% | ||
| Q2 24 | — | 12.5% | ||
| Q1 24 | — | 7.3% |
资本支出强度AIGCLOV
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.1% |
现金转化率AIGCLOV
| Q4 25 | 0.87× | — | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 1.22× | — | ||
| Q1 25 | -0.08× | — | ||
| Q4 24 | 0.14× | — | ||
| Q3 24 | 3.70× | — | ||
| Q2 24 | — | 6.04× | ||
| Q1 24 | 0.43× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
