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信诺（CI）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
信诺的季度营收约是CLOVER HEALTH INVESTMENTS, CORP.的148.6倍（$72.5B vs $487.7M）。信诺净利率更高（1.8% vs -10.1%，领先11.9%）。CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（44.7% vs 10.4%）。过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（18.6% vs 12.5%）
信诺集团是总部位于美国康涅狄格州布卢姆菲尔德的跨国营利性医疗管理及保险企业。旗下保险子公司主营医疗、牙科、失能、人寿、意外保险及相关产品服务，多数产品通过雇主及其他团体渠道销售。
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。
CI vs CLOV — 直观对比
营收规模更大
CI
是对方的148.6倍
$487.7M
营收增速更快
CLOV
高出34.3%
10.4%
净利率更高
CI
高出11.9%
-10.1%
两年增速更快
CLOV
近两年复合增速
12.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $72.5B | $487.7M |
| 净利润 | $1.3B | $-49.3M |
| 毛利率 | 20.3% | — |
| 营业利润率 | 3.2% | -10.1% |
| 净利率 | 1.8% | -10.1% |
| 营收同比 | 10.4% | 44.7% |
| 净利润同比 | -17.1% | -123.2% |
| 每股收益（稀释后） | $4.64 | — |
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CICLOV
| Q4 25 | $72.5B | $487.7M | ||
| Q3 25 | $69.7B | $496.6M | ||
| Q2 25 | $67.2B | $477.6M | ||
| Q1 25 | $65.5B | $462.3M | ||
| Q4 24 | $65.6B | $337.0M | ||
| Q3 24 | $63.7B | $331.0M | ||
| Q2 24 | $60.5B | $356.3M | ||
| Q1 24 | $57.3B | $346.9M |
净利润CICLOV
| Q4 25 | $1.3B | $-49.3M | ||
| Q3 25 | $2.0B | $-24.4M | ||
| Q2 25 | $1.6B | $-10.6M | ||
| Q1 25 | $1.4B | $-1.3M | ||
| Q4 24 | $1.5B | $-22.1M | ||
| Q3 24 | $825.0M | $-9.2M | ||
| Q2 24 | $1.6B | $7.4M | ||
| Q1 24 | $-212.0M | $-19.2M |
毛利率CICLOV
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.4% | — | ||
| Q2 25 | 20.7% | — | ||
| Q1 25 | 26.1% | — | ||
| Q4 24 | 25.3% | — | ||
| Q3 24 | 25.3% | 24.5% | ||
| Q2 24 | 26.5% | 30.3% | ||
| Q1 24 | 27.6% | 23.6% |
营业利润率CICLOV
| Q4 25 | 3.2% | -10.1% | ||
| Q3 25 | 3.7% | -4.9% | ||
| Q2 25 | 3.4% | -2.2% | ||
| Q1 25 | 3.0% | -0.3% | ||
| Q4 24 | 3.3% | -6.4% | ||
| Q3 24 | 4.0% | -2.7% | ||
| Q2 24 | 4.0% | 2.0% | ||
| Q1 24 | 3.9% | -6.5% |
净利率CICLOV
| Q4 25 | 1.8% | -10.1% | ||
| Q3 25 | 2.8% | -4.9% | ||
| Q2 25 | 2.4% | -2.2% | ||
| Q1 25 | 2.2% | -0.3% | ||
| Q4 24 | 2.3% | -6.6% | ||
| Q3 24 | 1.3% | -2.8% | ||
| Q2 24 | 2.7% | 2.1% | ||
| Q1 24 | -0.4% | -5.5% |
每股收益（稀释后）CICLOV
| Q4 25 | $4.64 | — | ||
| Q3 25 | $6.98 | — | ||
| Q2 25 | $5.71 | — | ||
| Q1 25 | $4.85 | — | ||
| Q4 24 | $5.01 | — | ||
| Q3 24 | $2.63 | — | ||
| Q2 24 | $5.45 | — | ||
| Q1 24 | $-0.97 | — |
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 | $8.7B | $78.3M |
| 总债务越低越好 | $30.9B | — |
| 股东权益账面价值 | $41.7B | $308.7M |
| 总资产 | $157.9B | $541.0M |
| 负债/权益比越低杠杆越低 | 0.74× | — |
8季度趋势，按日历期对齐
现金及短期投资CICLOV
| Q4 25 | $8.7B | $78.3M | ||
| Q3 25 | $6.9B | — | ||
| Q2 25 | $5.1B | — | ||
| Q1 25 | $9.1B | — | ||
| Q4 24 | $8.2B | $194.5M | ||
| Q3 24 | $6.8B | $288.0M | ||
| Q2 24 | $7.9B | $254.8M | ||
| Q1 24 | $9.5B | $208.3M |
总债务CICLOV
| Q4 25 | $30.9B | — | ||
| Q3 25 | $30.9B | — | ||
| Q2 25 | $26.5B | — | ||
| Q1 25 | $26.5B | — | ||
| Q4 24 | $28.9B | — | ||
| Q3 24 | $30.2B | — | ||
| Q2 24 | $30.2B | — | ||
| Q1 24 | $31.1B | — |
股东权益CICLOV
| Q4 25 | $41.7B | $308.7M | ||
| Q3 25 | $41.8B | $340.9M | ||
| Q2 25 | $40.2B | $344.2M | ||
| Q1 25 | $40.2B | $336.1M | ||
| Q4 24 | $41.0B | $341.1M | ||
| Q3 24 | $42.1B | $342.2M | ||
| Q2 24 | $41.3B | $324.9M | ||
| Q1 24 | $41.2B | $292.5M |
总资产CICLOV
| Q4 25 | $157.9B | $541.0M | ||
| Q3 25 | $157.9B | $559.7M | ||
| Q2 25 | $151.7B | $575.0M | ||
| Q1 25 | $150.7B | $583.7M | ||
| Q4 24 | $155.9B | $580.7M | ||
| Q3 24 | $157.6B | $653.0M | ||
| Q2 24 | $155.4B | $674.2M | ||
| Q1 24 | $153.1B | $671.8M |
负债/权益比CICLOV
| Q4 25 | 0.74× | — | ||
| Q3 25 | 0.74× | — | ||
| Q2 25 | 0.66× | — | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.71× | — | ||
| Q3 24 | 0.72× | — | ||
| Q2 24 | 0.73× | — | ||
| Q1 24 | 0.75× | — |
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 | $6.1B | $-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 | 4.83× | — |
| 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CICLOV
| Q4 25 | $6.1B | $-68.2M | ||
| Q3 25 | $3.4B | $12.1M | ||
| Q2 25 | $-1.9B | $5.4M | ||
| Q1 25 | $1.9B | $-16.3M | ||
| Q4 24 | $5.2B | $-85.8M | ||
| Q3 24 | $46.0M | $50.0M | ||
| Q2 24 | $265.0M | $44.8M | ||
| Q1 24 | $4.8B | $25.9M |
自由现金流CICLOV
| 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CICLOV
| 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CICLOV
| 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CICLOV
| Q4 25 | 4.83× | — | ||
| Q3 25 | 1.73× | — | ||
| Q2 25 | -1.16× | — | ||
| Q1 25 | 1.36× | — | ||
| Q4 24 | 3.39× | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 24 | 0.16× | 6.04× | ||
| 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
CI
| Network Pharmacy | $34.3B | 47% |
| Home Delivery And Specialty | $21.1B | 29% |
| Cigna Healthcare | $9.4B | 13% |
| Services | $4.5B | 6% |
| Other Pharmacy | $3.4B | 5% |
| Service Other | $144.0M | 0% |
CLOV
暂无分部数据
