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美国运通（AXP）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
CLOVER HEALTH INVESTMENTS, CORP.的季度营收约是美国运通的25.8倍（$487.7M vs $18.9M）。美国运通净利率更高（15.7% vs -10.1%，领先25.8%）。CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（44.7% vs 11.4%）。过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（18.6% vs -95.6%）
美国运通是全球知名的支付服务提供商，主营签账卡、信用卡产品及旅行相关服务，下设全球消费者服务、全球商业服务、全球商户与网络服务三大业务板块，还提供支付融资、网络服务、应付账款费用管理、旅行生活服务等多元解决方案。
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。
AXP vs CLOV — 直观对比
营收规模更大
CLOV
是对方的25.8倍
$18.9M
营收增速更快
CLOV
高出33.3%
11.4%
净利率更高
AXP
高出25.8%
-10.1%
两年增速更快
CLOV
近两年复合增速
-95.6%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $487.7M |
| 净利润 | $3.0M | $-49.3M |
| 毛利率 | — | — |
| 营业利润率 | — | -10.1% |
| 净利率 | 15.7% | -10.1% |
| 营收同比 | 11.4% | 44.7% |
| 净利润同比 | 15.0% | -123.2% |
| 每股收益（稀释后） | — | — |
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AXPCLOV
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $487.7M | ||
| Q3 25 | $10.4B | $496.6M | ||
| Q2 25 | $10.3B | $477.6M | ||
| Q1 25 | $9.6B | $462.3M | ||
| Q4 24 | $10.0B | $337.0M | ||
| Q3 24 | $9.7B | $331.0M | ||
| Q2 24 | $9.8B | $356.3M |
净利润AXPCLOV
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $-49.3M | ||
| Q3 25 | $2.9B | $-24.4M | ||
| Q2 25 | $2.9B | $-10.6M | ||
| Q1 25 | $2.6B | $-1.3M | ||
| Q4 24 | $2.2B | $-22.1M | ||
| Q3 24 | $2.5B | $-9.2M | ||
| Q2 24 | $3.0B | $7.4M |
毛利率AXPCLOV
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 24.5% | ||
| Q2 24 | — | 30.3% |
营业利润率AXPCLOV
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | -10.1% | ||
| Q3 25 | 36.7% | -4.9% | ||
| Q2 25 | 34.4% | -2.2% | ||
| Q1 25 | 34.6% | -0.3% | ||
| Q4 24 | 27.7% | -6.4% | ||
| Q3 24 | 33.0% | -2.7% | ||
| Q2 24 | 38.6% | 2.0% |
净利率AXPCLOV
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | -10.1% | ||
| Q3 25 | 27.9% | -4.9% | ||
| Q2 25 | 28.0% | -2.2% | ||
| Q1 25 | 26.8% | -0.3% | ||
| Q4 24 | 21.8% | -6.6% | ||
| Q3 24 | 25.8% | -2.8% | ||
| Q2 24 | 30.7% | 2.1% |
每股收益（稀释后）AXPCLOV
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | — | ||
| Q3 25 | $4.14 | — | ||
| Q2 25 | $4.08 | — | ||
| Q1 25 | $3.64 | — | ||
| Q4 24 | $3.04 | — | ||
| Q3 24 | $3.49 | — | ||
| Q2 24 | $4.15 | — |
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 | $60.4M | — |
| 股东权益账面价值 | $34.0M | $308.7M |
| 总资产 | $308.9M | $541.0M |
| 负债/权益比越低杠杆越低 | 1.78× | — |
8季度趋势，按日历期对齐
现金及短期投资AXPCLOV
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $78.3M | ||
| Q3 25 | $1.3B | — | ||
| Q2 25 | $197.0M | — | ||
| Q1 25 | $261.0M | — | ||
| Q4 24 | $221.0M | $194.5M | ||
| Q3 24 | $120.0M | $288.0M | ||
| Q2 24 | $188.0M | $254.8M |
总债务AXPCLOV
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | — | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | — | ||
| Q4 24 | $49.7B | — | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — |
股东权益AXPCLOV
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $308.7M | ||
| Q3 25 | $32.4B | $340.9M | ||
| Q2 25 | $32.3B | $344.2M | ||
| Q1 25 | $31.2B | $336.1M | ||
| Q4 24 | $30.3B | $341.1M | ||
| Q3 24 | $29.7B | $342.2M | ||
| Q2 24 | $29.5B | $324.9M |
总资产AXPCLOV
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $541.0M | ||
| Q3 25 | $297.6B | $559.7M | ||
| Q2 25 | $295.6B | $575.0M | ||
| Q1 25 | $282.2B | $583.7M | ||
| Q4 24 | $271.5B | $580.7M | ||
| Q3 24 | $271.0B | $653.0M | ||
| Q2 24 | $272.2B | $674.2M |
负债/权益比AXPCLOV
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | — | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 1.64× | — | ||
| Q3 24 | 1.80× | — | ||
| Q2 24 | 1.74× | — |
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 | — | $-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 | — | — |
| 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AXPCLOV
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $-68.2M | ||
| Q3 25 | $6.2B | $12.1M | ||
| Q2 25 | $4.4B | $5.4M | ||
| Q1 25 | $4.8B | $-16.3M | ||
| Q4 24 | $5.8B | $-85.8M | ||
| Q3 24 | $-1.8B | $50.0M | ||
| Q2 24 | $4.5B | $44.8M |
自由现金流AXPCLOV
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $-68.7M | ||
| Q3 25 | $5.6B | $11.4M | ||
| Q2 25 | $3.7B | $4.8M | ||
| Q1 25 | $4.3B | $-16.5M | ||
| Q4 24 | $5.3B | $-86.1M | ||
| Q3 24 | $-2.3B | $49.6M | ||
| Q2 24 | $4.0B | $44.4M |
自由现金流率AXPCLOV
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | -14.1% | ||
| Q3 25 | 53.6% | 2.3% | ||
| Q2 25 | 36.3% | 1.0% | ||
| Q1 25 | 45.0% | -3.6% | ||
| Q4 24 | 53.1% | -25.6% | ||
| Q3 24 | -23.3% | 15.0% | ||
| Q2 24 | 40.4% | 12.5% |
资本支出强度AXPCLOV
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 0.1% | ||
| Q3 25 | 6.3% | 0.1% | ||
| Q2 25 | 6.0% | 0.1% | ||
| Q1 25 | 4.5% | 0.0% | ||
| Q4 24 | 5.0% | 0.1% | ||
| Q3 24 | 4.7% | 0.1% | ||
| Q2 24 | 5.8% | 0.1% |
现金转化率AXPCLOV
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | — | ||
| Q1 25 | 1.84× | — | ||
| Q4 24 | 2.66× | — | ||
| Q3 24 | -0.72× | — | ||
| Q2 24 | 1.50× | 6.04× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
CLOV
暂无分部数据
