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CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与科睿唯安（CLVT）财务数据对比。点击上方公司名可切换其他公司
CLOVER HEALTH INVESTMENTS, CORP.的季度营收约是科睿唯安的1.3倍（$749.2M vs $585.5M），CLOVER HEALTH INVESTMENTS, CORP.净利率更高（3.6% vs -6.9%，领先10.5%），CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（62.0% vs -1.4%），过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（45.0% vs -5.1%）
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。
科睿唯安是一家英美合资的上市分析服务企业，主要提供订阅制信息服务，覆盖文献计量、科学计量、商业与市场情报领域，同时为医药、生物科技行业提供专利、监管合规相关的竞争分析，也提供商标保护、域名与品牌保护服务，旗下Web of Science产品系列还负责计算学术期刊的影响因子。
CLOV vs CLVT — 直观对比
营收规模更大
CLOV
是对方的1.3倍
$585.5M
营收增速更快
CLOV
高出63.4%
-1.4%
净利率更高
CLOV
高出10.5%
-6.9%
两年增速更快
CLOV
近两年复合增速
-5.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $749.2M | $585.5M |
| 净利润 | $27.3M | $-40.2M |
| 毛利率 | — | 67.2% |
| 营业利润率 | 3.6% | 5.2% |
| 净利率 | 3.6% | -6.9% |
| 营收同比 | 62.0% | -1.4% |
| 净利润同比 | — | 61.3% |
| 每股收益（稀释后） | $0.05 | $-0.06 |
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CLOVCLVT
| Q1 26 | $749.2M | $585.5M | ||
| Q4 25 | $487.7M | $617.0M | ||
| Q3 25 | $496.6M | $623.1M | ||
| Q2 25 | $477.6M | $621.4M | ||
| Q1 25 | $462.3M | $593.7M | ||
| Q4 24 | $337.0M | $663.0M | ||
| Q3 24 | $331.0M | $622.2M | ||
| Q2 24 | $356.3M | $650.3M |
净利润CLOVCLVT
| Q1 26 | $27.3M | $-40.2M | ||
| Q4 25 | $-49.3M | $3.1M | ||
| Q3 25 | $-24.4M | $-28.3M | ||
| Q2 25 | $-10.6M | $-72.0M | ||
| Q1 25 | $-1.3M | $-103.9M | ||
| Q4 24 | $-22.1M | $-191.8M | ||
| Q3 24 | $-9.2M | $-65.6M | ||
| Q2 24 | $7.4M | $-304.3M |
毛利率CLOVCLVT
| Q1 26 | — | 67.2% | ||
| Q4 25 | — | 66.8% | ||
| Q3 25 | — | 65.0% | ||
| Q2 25 | — | 67.2% | ||
| Q1 25 | — | 65.1% | ||
| Q4 24 | — | 65.7% | ||
| Q3 24 | 24.5% | 66.2% | ||
| Q2 24 | 30.3% | 67.2% |
营业利润率CLOVCLVT
| Q1 26 | 3.6% | 5.2% | ||
| Q4 25 | -10.1% | 6.7% | ||
| Q3 25 | -4.9% | 7.1% | ||
| Q2 25 | -2.2% | 1.1% | ||
| Q1 25 | -0.3% | -3.5% | ||
| Q4 24 | -6.4% | -9.4% | ||
| Q3 24 | -2.7% | 3.5% | ||
| Q2 24 | 2.0% | -36.9% |
净利率CLOVCLVT
| Q1 26 | 3.6% | -6.9% | ||
| Q4 25 | -10.1% | 0.5% | ||
| Q3 25 | -4.9% | -4.5% | ||
| Q2 25 | -2.2% | -11.6% | ||
| Q1 25 | -0.3% | -17.5% | ||
| Q4 24 | -6.6% | -28.9% | ||
| Q3 24 | -2.8% | -10.5% | ||
| Q2 24 | 2.1% | -46.8% |
每股收益（稀释后）CLOVCLVT
| Q1 26 | $0.05 | $-0.06 | ||
| Q4 25 | — | $0.00 | ||
| Q3 25 | — | $-0.04 | ||
| Q2 25 | — | $-0.11 | ||
| Q1 25 | — | $-0.15 | ||
| Q4 24 | — | $-0.27 | ||
| Q3 24 | — | $-0.09 | ||
| Q2 24 | — | $-0.46 |
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 | $177.6M | — |
| 总债务越低越好 | — | $4.3B |
| 股东权益账面价值 | $339.4M | $4.8B |
| 总资产 | $697.7M | $10.9B |
| 负债/权益比越低杠杆越低 | — | 0.89× |
8季度趋势，按日历期对齐
现金及短期投资CLOVCLVT
| Q1 26 | $177.6M | — | ||
| Q4 25 | $78.3M | $329.2M | ||
| Q3 25 | — | $318.7M | ||
| Q2 25 | — | $362.6M | ||
| Q1 25 | — | $354.0M | ||
| Q4 24 | $194.5M | $295.2M | ||
| Q3 24 | $288.0M | $388.5M | ||
| Q2 24 | $254.8M | $376.4M |
总债务CLOVCLVT
| Q1 26 | — | $4.3B | ||
| Q4 25 | — | $4.3B | ||
| Q3 25 | — | $4.4B | ||
| Q2 25 | — | $4.5B | ||
| Q1 25 | — | $4.5B | ||
| Q4 24 | — | $4.5B | ||
| Q3 24 | — | $4.6B | ||
| Q2 24 | — | $4.6B |
股东权益CLOVCLVT
| Q1 26 | $339.4M | $4.8B | ||
| Q4 25 | $308.7M | $4.8B | ||
| Q3 25 | $340.9M | $4.9B | ||
| Q2 25 | $344.2M | $5.0B | ||
| Q1 25 | $336.1M | $5.0B | ||
| Q4 24 | $341.1M | $5.1B | ||
| Q3 24 | $342.2M | $5.5B | ||
| Q2 24 | $324.9M | $5.6B |
总资产CLOVCLVT
| Q1 26 | $697.7M | $10.9B | ||
| Q4 25 | $541.0M | $11.1B | ||
| Q3 25 | $559.7M | $11.2B | ||
| Q2 25 | $575.0M | $11.4B | ||
| Q1 25 | $583.7M | $11.5B | ||
| Q4 24 | $580.7M | $11.5B | ||
| Q3 24 | $653.0M | $12.0B | ||
| Q2 24 | $674.2M | $12.1B |
负债/权益比CLOVCLVT
| Q1 26 | — | 0.89× | ||
| Q4 25 | — | 0.89× | ||
| Q3 25 | — | 0.90× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.90× | ||
| Q4 24 | — | 0.88× | ||
| Q3 24 | — | 0.84× | ||
| Q2 24 | — | 0.83× |
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 | — | $134.7M |
| 自由现金流经营现金流 - 资本支出 | — | $78.9M |
| 自由现金流率自由现金流/营收 | — | 13.5% |
| 资本支出强度资本支出/营收 | — | 9.5% |
| 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 | — | $333.9M |
8季度趋势，按日历期对齐
经营现金流CLOVCLVT
| Q1 26 | — | $134.7M | ||
| Q4 25 | $-66.9M | $159.9M | ||
| Q3 25 | $12.1M | $181.1M | ||
| Q2 25 | $5.4M | $116.3M | ||
| Q1 25 | $-16.3M | $171.2M | ||
| Q4 24 | $34.8M | $141.3M | ||
| Q3 24 | $50.0M | $202.9M | ||
| Q2 24 | $44.8M | $126.2M |
自由现金流CLOVCLVT
| Q1 26 | — | $78.9M | ||
| Q4 25 | $-69.0M | $89.2M | ||
| Q3 25 | $11.4M | $115.5M | ||
| Q2 25 | $4.8M | $50.3M | ||
| Q1 25 | $-16.5M | $110.3M | ||
| Q4 24 | $33.3M | $59.1M | ||
| Q3 24 | $49.6M | $126.3M | ||
| Q2 24 | $44.4M | $60.3M |
自由现金流率CLOVCLVT
| Q1 26 | — | 13.5% | ||
| Q4 25 | -14.1% | 14.5% | ||
| Q3 25 | 2.3% | 18.5% | ||
| Q2 25 | 1.0% | 8.1% | ||
| Q1 25 | -3.6% | 18.6% | ||
| Q4 24 | 9.9% | 8.9% | ||
| Q3 24 | 15.0% | 20.3% | ||
| Q2 24 | 12.5% | 9.3% |
资本支出强度CLOVCLVT
| Q1 26 | — | 9.5% | ||
| Q4 25 | 0.4% | 11.5% | ||
| Q3 25 | 0.1% | 10.5% | ||
| Q2 25 | 0.1% | 10.6% | ||
| Q1 25 | 0.0% | 10.3% | ||
| Q4 24 | 0.5% | 12.4% | ||
| Q3 24 | 0.1% | 12.3% | ||
| Q2 24 | 0.1% | 10.1% |
现金转化率CLOVCLVT
| Q1 26 | — | — | ||
| Q4 25 | — | 51.58× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 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
CLOV
暂无分部数据
CLVT
| Subscription | $397.5M | 68% |
| Re-occurring | $108.6M | 19% |
| Transactional | $79.4M | 14% |
