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好事达（ALL）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
好事达的季度营收约是CLOVER HEALTH INVESTMENTS, CORP.的35.6倍（$17.3B vs $487.7M）。好事达净利率更高（22.1% vs -10.1%，领先32.2%）。CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（44.7% vs 5.1%）。好事达自由现金流更多（$2.9B vs $-68.7M）。过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（18.6% vs 6.6%）
好事达集团是面向美国、加拿大市场的综合性保险服务商，提供财产险、意外险及其他保险产品。旗下设好事达保险、保障服务、健康福利、到期财产责任险四大板块，主营私人乘用车险、房屋保险，亦覆盖摩托车、房车、越野车等特种车险及各类个人保险产品。
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。
ALL vs CLOV — 直观对比
营收规模更大
ALL
是对方的35.6倍
$487.7M
营收增速更快
CLOV
高出39.7%
5.1%
净利率更高
ALL
高出32.2%
-10.1%
自由现金流更多
ALL
多$3.0B
$-68.7M
两年增速更快
CLOV
近两年复合增速
6.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $17.3B | $487.7M |
| 净利润 | $3.8B | $-49.3M |
| 毛利率 | — | — |
| 营业利润率 | — | -10.1% |
| 净利率 | 22.1% | -10.1% |
| 营收同比 | 5.1% | 44.7% |
| 净利润同比 | 98.8% | -123.2% |
| 每股收益（稀释后） | $14.24 | — |
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ALLCLOV
| Q4 25 | $17.3B | $487.7M | ||
| Q3 25 | $17.3B | $496.6M | ||
| Q2 25 | $16.6B | $477.6M | ||
| Q1 25 | $16.5B | $462.3M | ||
| Q4 24 | $16.5B | $337.0M | ||
| Q3 24 | $16.6B | $331.0M | ||
| Q2 24 | $15.7B | $356.3M | ||
| Q1 24 | $15.3B | $346.9M |
净利润ALLCLOV
| Q4 25 | $3.8B | $-49.3M | ||
| Q3 25 | $3.7B | $-24.4M | ||
| Q2 25 | $2.1B | $-10.6M | ||
| Q1 25 | $595.0M | $-1.3M | ||
| Q4 24 | $1.9B | $-22.1M | ||
| Q3 24 | $1.2B | $-9.2M | ||
| Q2 24 | $331.0M | $7.4M | ||
| Q1 24 | $1.2B | $-19.2M |
毛利率ALLCLOV
| 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ALLCLOV
| Q4 25 | — | -10.1% | ||
| Q3 25 | — | -4.9% | ||
| Q2 25 | — | -2.2% | ||
| Q1 25 | — | -0.3% | ||
| Q4 24 | — | -6.4% | ||
| Q3 24 | — | -2.7% | ||
| Q2 24 | — | 2.0% | ||
| Q1 24 | — | -6.5% |
净利率ALLCLOV
| Q4 25 | 22.1% | -10.1% | ||
| Q3 25 | 21.7% | -4.9% | ||
| Q2 25 | 12.7% | -2.2% | ||
| Q1 25 | 3.6% | -0.3% | ||
| Q4 24 | 11.7% | -6.6% | ||
| Q3 24 | 7.2% | -2.8% | ||
| Q2 24 | 2.1% | 2.1% | ||
| Q1 24 | 8.0% | -5.5% |
每股收益（稀释后）ALLCLOV
| Q4 25 | $14.24 | — | ||
| Q3 25 | $13.95 | — | ||
| Q2 25 | $7.76 | — | ||
| Q1 25 | $2.11 | — | ||
| Q4 24 | $7.07 | — | ||
| Q3 24 | $4.33 | — | ||
| Q2 24 | $1.13 | — | ||
| Q1 24 | $4.46 | — |
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 | $4.9B | $78.3M |
| 总债务越低越好 | $7.5B | — |
| 股东权益账面价值 | $30.6B | $308.7M |
| 总资产 | $119.8B | $541.0M |
| 负债/权益比越低杠杆越低 | 0.24× | — |
8季度趋势，按日历期对齐
现金及短期投资ALLCLOV
| Q4 25 | $4.9B | $78.3M | ||
| Q3 25 | $8.7B | — | ||
| Q2 25 | $9.6B | — | ||
| Q1 25 | $6.5B | — | ||
| Q4 24 | $4.5B | $194.5M | ||
| Q3 24 | $7.0B | $288.0M | ||
| Q2 24 | $5.3B | $254.8M | ||
| Q1 24 | $4.3B | $208.3M |
总债务ALLCLOV
| Q4 25 | $7.5B | — | ||
| Q3 25 | $8.1B | — | ||
| Q2 25 | $8.1B | — | ||
| Q1 25 | $8.1B | — | ||
| Q4 24 | $8.1B | — | ||
| Q3 24 | $8.1B | — | ||
| Q2 24 | $8.1B | — | ||
| Q1 24 | $7.9B | — |
股东权益ALLCLOV
| Q4 25 | $30.6B | $308.7M | ||
| Q3 25 | $27.5B | $340.9M | ||
| Q2 25 | $24.0B | $344.2M | ||
| Q1 25 | $22.1B | $336.1M | ||
| Q4 24 | $21.4B | $341.1M | ||
| Q3 24 | $20.9B | $342.2M | ||
| Q2 24 | $18.6B | $324.9M | ||
| Q1 24 | $18.6B | $292.5M |
总资产ALLCLOV
| Q4 25 | $119.8B | $541.0M | ||
| Q3 25 | $120.4B | $559.7M | ||
| Q2 25 | $115.9B | $575.0M | ||
| Q1 25 | $115.2B | $583.7M | ||
| Q4 24 | $111.6B | $580.7M | ||
| Q3 24 | $113.7B | $653.0M | ||
| Q2 24 | $108.4B | $674.2M | ||
| Q1 24 | $105.2B | $671.8M |
负债/权益比ALLCLOV
| Q4 25 | 0.24× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.34× | — | ||
| Q1 25 | 0.37× | — | ||
| Q4 24 | 0.38× | — | ||
| Q3 24 | 0.39× | — | ||
| Q2 24 | 0.43× | — | ||
| Q1 24 | 0.43× | — |
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 | $3.0B | $-68.2M |
| 自由现金流经营现金流 - 资本支出 | $2.9B | $-68.7M |
| 自由现金流率自由现金流/营收 | 16.7% | -14.1% |
| 资本支出强度资本支出/营收 | 0.5% | 0.1% |
| 现金转化率经营现金流/净利润 | 0.78× | — |
| 过去12个月自由现金流最近4个季度 | $9.9B | $-69.0M |
8季度趋势，按日历期对齐
经营现金流ALLCLOV
| Q4 25 | $3.0B | $-68.2M | ||
| Q3 25 | $3.3B | $12.1M | ||
| Q2 25 | $1.9B | $5.4M | ||
| Q1 25 | $2.0B | $-16.3M | ||
| Q4 24 | $1.7B | $-85.8M | ||
| Q3 24 | $3.2B | $50.0M | ||
| Q2 24 | $2.4B | $44.8M | ||
| Q1 24 | $1.7B | $25.9M |
自由现金流ALLCLOV
| Q4 25 | $2.9B | $-68.7M | ||
| Q3 25 | $3.2B | $11.4M | ||
| Q2 25 | $1.9B | $4.8M | ||
| Q1 25 | $1.9B | $-16.5M | ||
| Q4 24 | $1.7B | $-86.1M | ||
| Q3 24 | $3.1B | $49.6M | ||
| Q2 24 | $2.3B | $44.4M | ||
| Q1 24 | $1.6B | $25.5M |
自由现金流率ALLCLOV
| Q4 25 | 16.7% | -14.1% | ||
| Q3 25 | 18.8% | 2.3% | ||
| Q2 25 | 11.3% | 1.0% | ||
| Q1 25 | 11.4% | -3.6% | ||
| Q4 24 | 10.0% | -25.6% | ||
| Q3 24 | 18.9% | 15.0% | ||
| Q2 24 | 14.7% | 12.5% | ||
| Q1 24 | 10.6% | 7.3% |
资本支出强度ALLCLOV
| Q4 25 | 0.5% | 0.1% | ||
| Q3 25 | 0.3% | 0.1% | ||
| Q2 25 | 0.0% | 0.1% | ||
| Q1 25 | 0.6% | 0.0% | ||
| Q4 24 | 0.3% | 0.1% | ||
| Q3 24 | 0.4% | 0.1% | ||
| Q2 24 | 0.4% | 0.1% | ||
| Q1 24 | 0.3% | 0.1% |
现金转化率ALLCLOV
| Q4 25 | 0.78× | — | ||
| Q3 25 | 0.88× | — | ||
| Q2 25 | 0.89× | — | ||
| Q1 25 | 3.30× | — | ||
| Q4 24 | 0.88× | — | ||
| Q3 24 | 2.69× | — | ||
| Q2 24 | 7.13× | 6.04× | ||
| Q1 24 | 1.37× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
