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车车集团（CCG）与eHealth, Inc.（EHTH）财务数据对比。点击上方公司名可切换其他公司
eHealth, Inc.的季度营收约是车车集团的1.7倍（$326.2M vs $188.3M）。eHealth, Inc.净利率更高（26.7% vs -1.9%，领先28.6%）
车车集团是国内领先的汽车数字化服务提供商，主营汽车保险中介服务、智能汽车售后支持、车联网技术产品等业务，服务覆盖个人车主、汽车经销商及保险合作机构，部分业务辐射东南亚市场。
eHealth, Inc.以eHealthInsurance品牌开展业务，是一家公开上市的健康保险在线交易平台，公司注册于特拉华州，总部位于加利福尼亚州圣克拉拉。该平台主要提供医疗保险相关计划，涵盖联邦医疗保险处方药计划、联邦医疗保险补充计划、优势计划等产品，同时也售卖个人健康保险产品，业务覆盖美国全部50个州及华盛顿特区。
CCG vs EHTH — 直观对比
营收规模更大
EHTH
是对方的1.7倍
$188.3M
净利率更高
EHTH
高出28.6%
-1.9%
损益表 — Q2 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $188.3M | $326.2M |
| 净利润 | $-3.6M | $87.2M |
| 毛利率 | 4.9% | 55.3% |
| 营业利润率 | -2.0% | 38.7% |
| 净利率 | -1.9% | 26.7% |
| 营收同比 | — | 3.5% |
| 净利润同比 | — | -10.6% |
| 每股收益（稀释后） | — | $2.43 |
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CCGEHTH
| Q4 25 | — | $326.2M | ||
| Q3 25 | — | $53.9M | ||
| Q2 25 | $188.3M | $60.8M | ||
| Q1 25 | — | $113.1M | ||
| Q4 24 | — | $315.2M | ||
| Q3 24 | — | $58.4M | ||
| Q2 24 | $261.8M | $65.9M | ||
| Q1 24 | — | $93.0M |
净利润CCGEHTH
| Q4 25 | — | $87.2M | ||
| Q3 25 | — | $-31.7M | ||
| Q2 25 | $-3.6M | $-17.4M | ||
| Q1 25 | — | $1.9M | ||
| Q4 24 | — | $97.5M | ||
| Q3 24 | — | $-42.5M | ||
| Q2 24 | $-54.9M | $-28.0M | ||
| Q1 24 | — | $-17.0M |
毛利率CCGEHTH
| Q4 25 | — | 55.3% | ||
| Q3 25 | — | -0.3% | ||
| Q2 25 | 4.9% | 31.1% | ||
| Q1 25 | — | 36.9% | ||
| Q4 24 | — | 52.0% | ||
| Q3 24 | — | -6.5% | ||
| Q2 24 | 4.3% | 28.7% | ||
| Q1 24 | — | 31.7% |
营业利润率CCGEHTH
| Q4 25 | — | 38.7% | ||
| Q3 25 | — | -77.1% | ||
| Q2 25 | -2.0% | -37.9% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | 35.7% | ||
| Q3 24 | — | -74.0% | ||
| Q2 24 | -4.7% | -42.5% | ||
| Q1 24 | — | -19.3% |
净利率CCGEHTH
| Q4 25 | — | 26.7% | ||
| Q3 25 | — | -58.8% | ||
| Q2 25 | -1.9% | -28.6% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 30.9% | ||
| Q3 24 | — | -72.7% | ||
| Q2 24 | -21.0% | -42.5% | ||
| Q1 24 | — | -18.3% |
每股收益（稀释后）CCGEHTH
| Q4 25 | — | $2.43 | ||
| Q3 25 | — | $-1.46 | ||
| Q2 25 | — | $-0.98 | ||
| Q1 25 | — | $-0.33 | ||
| Q4 24 | — | $2.93 | ||
| Q3 24 | — | $-1.83 | ||
| Q2 24 | — | $-1.33 | ||
| Q1 24 | — | $-0.96 |
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 | $62.5M | $73.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $-391.0M | $591.6M |
| 总资产 | $473.9M | $1.3B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CCGEHTH
| Q4 25 | — | $73.7M | ||
| Q3 25 | — | $63.1M | ||
| Q2 25 | $62.5M | $65.9M | ||
| Q1 25 | — | $121.1M | ||
| Q4 24 | — | $39.2M | ||
| Q3 24 | — | $64.0M | ||
| Q2 24 | $18.7M | $126.3M | ||
| Q1 24 | — | $175.0M |
股东权益CCGEHTH
| Q4 25 | — | $591.6M | ||
| Q3 25 | — | $514.2M | ||
| Q2 25 | $-391.0M | $554.9M | ||
| Q1 25 | — | $581.6M | ||
| Q4 24 | — | $588.4M | ||
| Q3 24 | — | $499.3M | ||
| Q2 24 | $-389.8M | $548.9M | ||
| Q1 24 | — | $582.8M |
总资产CCGEHTH
| Q4 25 | — | $1.3B | ||
| Q3 25 | — | $1.0B | ||
| Q2 25 | $473.9M | $1.1B | ||
| Q1 25 | — | $1.1B | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $1.0B | ||
| Q2 24 | $346.0M | $1.0B | ||
| Q1 24 | — | $1.1B |
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 | $-44.7M | $-35.9M |
| 自由现金流经营现金流 - 资本支出 | — | $-36.1M |
| 自由现金流率自由现金流/营收 | — | -11.1% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | -0.41× |
| 过去12个月自由现金流最近4个季度 | — | $-27.6M |
8季度趋势，按日历期对齐
经营现金流CCGEHTH
| Q4 25 | — | $-35.9M | ||
| Q3 25 | — | $-25.3M | ||
| Q2 25 | $-44.7M | $-41.2M | ||
| Q1 25 | — | $77.1M | ||
| Q4 24 | — | $-27.7M | ||
| Q3 24 | — | $-29.3M | ||
| Q2 24 | $-7.6M | $-32.2M | ||
| Q1 24 | — | $70.8M |
自由现金流CCGEHTH
| Q4 25 | — | $-36.1M | ||
| Q3 25 | — | $-25.5M | ||
| Q2 25 | — | $-42.8M | ||
| Q1 25 | — | $76.8M | ||
| Q4 24 | — | $-28.3M | ||
| Q3 24 | — | $-30.3M | ||
| Q2 24 | — | $-32.4M | ||
| Q1 24 | — | $70.6M |
自由现金流率CCGEHTH
| Q4 25 | — | -11.1% | ||
| Q3 25 | — | -47.4% | ||
| Q2 25 | — | -70.4% | ||
| Q1 25 | — | 67.9% | ||
| Q4 24 | — | -9.0% | ||
| Q3 24 | — | -51.8% | ||
| Q2 24 | — | -49.3% | ||
| Q1 24 | — | 75.9% |
资本支出强度CCGEHTH
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 0.3% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.2% |
现金转化率CCGEHTH
| Q4 25 | — | -0.41× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 39.55× | ||
| Q4 24 | — | -0.28× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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
CCG
暂无分部数据
EHTH
| Medicare | $282.7M | 87% |
| Other | $29.2M | 9% |
| Ancillaries | $7.9M | 2% |
| Commission Members Approved In Prior Periods | $3.8M | 1% |
| Small Business | $3.1M | 1% |
| Commission Revenue From Renewals | $2.4M | 1% |
