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CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与Dayforce（DAY）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Dayforce的1.6倍（$749.2M vs $481.6M），CLOVER HEALTH INVESTMENTS, CORP.净利率更高（3.6% vs -40.9%，领先44.5%），CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（62.0% vs 9.5%），过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（45.0% vs 9.8%）
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。
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
CLOV vs DAY — 直观对比
营收规模更大
CLOV
是对方的1.6倍
$481.6M
营收增速更快
CLOV
高出52.6%
9.5%
净利率更高
CLOV
高出44.5%
-40.9%
两年增速更快
CLOV
近两年复合增速
9.8%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $749.2M | $481.6M |
| 净利润 | $27.3M | $-196.8M |
| 毛利率 | — | — |
| 营业利润率 | 3.6% | 6.3% |
| 净利率 | 3.6% | -40.9% |
| 营收同比 | 62.0% | 9.5% |
| 净利润同比 | — | -9940.0% |
| 每股收益（稀释后） | $0.05 | $-1.23 |
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CLOVDAY
| Q1 26 | $749.2M | — | ||
| Q4 25 | $487.7M | — | ||
| Q3 25 | $496.6M | $481.6M | ||
| Q2 25 | $477.6M | $464.7M | ||
| Q1 25 | $462.3M | $481.8M | ||
| Q4 24 | $337.0M | $465.2M | ||
| Q3 24 | $331.0M | $440.0M | ||
| Q2 24 | $356.3M | $423.3M |
净利润CLOVDAY
| Q1 26 | $27.3M | — | ||
| Q4 25 | $-49.3M | — | ||
| Q3 25 | $-24.4M | $-196.8M | ||
| Q2 25 | $-10.6M | $21.3M | ||
| Q1 25 | $-1.3M | $14.9M | ||
| Q4 24 | $-22.1M | $10.8M | ||
| Q3 24 | $-9.2M | $2.0M | ||
| Q2 24 | $7.4M | $-1.8M |
毛利率CLOVDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 47.0% | ||
| Q3 24 | 24.5% | 45.8% | ||
| Q2 24 | 30.3% | 44.1% |
营业利润率CLOVDAY
| Q1 26 | 3.6% | — | ||
| Q4 25 | -10.1% | — | ||
| Q3 25 | -4.9% | 6.3% | ||
| Q2 25 | -2.2% | 9.1% | ||
| Q1 25 | -0.3% | 6.4% | ||
| Q4 24 | -6.4% | 6.1% | ||
| Q3 24 | -2.7% | 4.7% | ||
| Q2 24 | 2.0% | 3.3% |
净利率CLOVDAY
| Q1 26 | 3.6% | — | ||
| Q4 25 | -10.1% | — | ||
| Q3 25 | -4.9% | -40.9% | ||
| Q2 25 | -2.2% | 4.6% | ||
| Q1 25 | -0.3% | 3.1% | ||
| Q4 24 | -6.6% | 2.3% | ||
| Q3 24 | -2.8% | 0.5% | ||
| Q2 24 | 2.1% | -0.4% |
每股收益（稀释后）CLOVDAY
| Q1 26 | $0.05 | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $-1.23 | ||
| Q2 25 | — | $0.13 | ||
| Q1 25 | — | $0.09 | ||
| Q4 24 | — | $0.07 | ||
| Q3 24 | — | $0.01 | ||
| Q2 24 | — | $-0.01 |
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 | $627.6M |
| 总债务越低越好 | — | $631.1M |
| 股东权益账面价值 | $339.4M | $2.7B |
| 总资产 | $697.7M | $8.7B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资CLOVDAY
| Q1 26 | $177.6M | — | ||
| Q4 25 | $78.3M | — | ||
| Q3 25 | — | $627.6M | ||
| Q2 25 | — | $625.2M | ||
| Q1 25 | — | $557.3M | ||
| Q4 24 | $194.5M | $579.7M | ||
| Q3 24 | $288.0M | $494.1M | ||
| Q2 24 | $254.8M | $465.4M |
总债务CLOVDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $631.1M | ||
| Q2 25 | — | $631.8M | ||
| Q1 25 | — | $632.4M | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.2B |
股东权益CLOVDAY
| Q1 26 | $339.4M | — | ||
| Q4 25 | $308.7M | — | ||
| Q3 25 | $340.9M | $2.7B | ||
| Q2 25 | $344.2M | $2.7B | ||
| Q1 25 | $336.1M | $2.6B | ||
| Q4 24 | $341.1M | $2.5B | ||
| Q3 24 | $342.2M | $2.6B | ||
| Q2 24 | $324.9M | $2.5B |
总资产CLOVDAY
| Q1 26 | $697.7M | — | ||
| Q4 25 | $541.0M | — | ||
| Q3 25 | $559.7M | $8.7B | ||
| Q2 25 | $575.0M | $8.5B | ||
| Q1 25 | $583.7M | $9.5B | ||
| Q4 24 | $580.7M | $9.1B | ||
| Q3 24 | $653.0M | $8.1B | ||
| Q2 24 | $674.2M | $9.0B |
负债/权益比CLOVDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.47× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 0.49× |
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 | — | $31.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流CLOVDAY
| Q1 26 | — | — | ||
| Q4 25 | $-66.9M | — | ||
| Q3 25 | $12.1M | $31.2M | ||
| Q2 25 | $5.4M | $112.7M | ||
| Q1 25 | $-16.3M | $49.6M | ||
| Q4 24 | $34.8M | $81.0M | ||
| Q3 24 | $50.0M | $91.8M | ||
| Q2 24 | $44.8M | $99.2M |
自由现金流CLOVDAY
| Q1 26 | — | — | ||
| Q4 25 | $-69.0M | — | ||
| Q3 25 | $11.4M | — | ||
| Q2 25 | $4.8M | — | ||
| Q1 25 | $-16.5M | — | ||
| Q4 24 | $33.3M | — | ||
| Q3 24 | $49.6M | — | ||
| Q2 24 | $44.4M | — |
自由现金流率CLOVDAY
| Q1 26 | — | — | ||
| Q4 25 | -14.1% | — | ||
| Q3 25 | 2.3% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | -3.6% | — | ||
| Q4 24 | 9.9% | — | ||
| Q3 24 | 15.0% | — | ||
| Q2 24 | 12.5% | — |
资本支出强度CLOVDAY
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 0.0% | — | ||
| Q4 24 | 0.5% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.1% | — |
现金转化率CLOVDAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 5.29× | ||
| Q1 25 | — | 3.33× | ||
| Q4 24 | — | 7.50× | ||
| Q3 24 | — | 45.90× | ||
| 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
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
