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CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与Essex Property Trust（ESS）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Essex Property Trust的1.0倍（$487.7M vs $479.6M），Essex Property Trust净利率更高（17.9% vs -10.1%，领先28.0%），CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（44.7% vs 5.5%），过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（18.6% vs 6.0%）
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。
Essex Property Trust是一家公开上市的房地产投资信托企业，重点布局美国西海岸优质不动产市场，核心投资标的为加利福尼亚州及西雅图大都会区的公寓类物业，在长租公寓的投资、运营及管理领域拥有深厚的行业积累与资源优势。
CLOV vs ESS — 直观对比
营收规模更大
CLOV
是对方的1.0倍
$479.6M
营收增速更快
CLOV
高出39.2%
5.5%
净利率更高
ESS
高出28.0%
-10.1%
两年增速更快
CLOV
近两年复合增速
6.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $487.7M | $479.6M |
| 净利润 | $-49.3M | $85.7M |
| 毛利率 | — | 70.0% |
| 营业利润率 | -10.1% | 31.7% |
| 净利率 | -10.1% | 17.9% |
| 营收同比 | 44.7% | 5.5% |
| 净利润同比 | -123.2% | -71.6% |
| 每股收益（稀释后） | — | $1.24 |
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CLOVESS
| Q4 25 | $487.7M | $479.6M | ||
| Q3 25 | $496.6M | $473.3M | ||
| Q2 25 | $477.6M | $469.8M | ||
| Q1 25 | $462.3M | $464.6M | ||
| Q4 24 | $337.0M | $454.5M | ||
| Q3 24 | $331.0M | $450.7M | ||
| Q2 24 | $356.3M | $442.4M | ||
| Q1 24 | $346.9M | $426.9M |
净利润CLOVESS
| Q4 25 | $-49.3M | $85.7M | ||
| Q3 25 | $-24.4M | $172.7M | ||
| Q2 25 | $-10.6M | $231.5M | ||
| Q1 25 | $-1.3M | $212.8M | ||
| Q4 24 | $-22.1M | $301.7M | ||
| Q3 24 | $-9.2M | $125.5M | ||
| Q2 24 | $7.4M | $99.0M | ||
| Q1 24 | $-19.2M | $285.1M |
毛利率CLOVESS
| Q4 25 | — | 70.0% | ||
| Q3 25 | — | 69.2% | ||
| Q2 25 | — | 70.7% | ||
| Q1 25 | — | 69.6% | ||
| Q4 24 | — | 70.0% | ||
| Q3 24 | 24.5% | 69.5% | ||
| Q2 24 | 30.3% | 70.8% | ||
| Q1 24 | 23.6% | 69.7% |
营业利润率CLOVESS
| Q4 25 | -10.1% | 31.7% | ||
| Q3 25 | -4.9% | 44.5% | ||
| Q2 25 | -2.2% | 59.5% | ||
| Q1 25 | -0.3% | 55.3% | ||
| Q4 24 | -6.4% | 67.0% | ||
| Q3 24 | -2.7% | 28.6% | ||
| Q2 24 | 2.0% | 31.1% | ||
| Q1 24 | -6.5% | 31.0% |
净利率CLOVESS
| Q4 25 | -10.1% | 17.9% | ||
| Q3 25 | -4.9% | 36.5% | ||
| Q2 25 | -2.2% | 49.3% | ||
| Q1 25 | -0.3% | 45.8% | ||
| Q4 24 | -6.6% | 66.4% | ||
| Q3 24 | -2.8% | 27.8% | ||
| Q2 24 | 2.1% | 22.4% | ||
| Q1 24 | -5.5% | 66.8% |
每股收益（稀释后）CLOVESS
| Q4 25 | — | $1.24 | ||
| Q3 25 | — | $2.56 | ||
| Q2 25 | — | $3.44 | ||
| Q1 25 | — | $3.16 | ||
| Q4 24 | — | $4.00 | ||
| Q3 24 | — | $1.84 | ||
| Q2 24 | — | $1.45 | ||
| Q1 24 | — | $4.25 |
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 | $76.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $308.7M | $5.5B |
| 总资产 | $541.0M | $13.2B |
| 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CLOVESS
| Q4 25 | $78.3M | $76.2M | ||
| Q3 25 | — | $66.0M | ||
| Q2 25 | — | $58.7M | ||
| Q1 25 | — | $98.7M | ||
| Q4 24 | $194.5M | $66.8M | ||
| Q3 24 | $288.0M | $71.3M | ||
| Q2 24 | $254.8M | $55.2M | ||
| Q1 24 | $208.3M | $499.0M |
总债务CLOVESS
| Q4 25 | — | — | ||
| Q3 25 | — | $6.4B | ||
| Q2 25 | — | $6.4B | ||
| Q1 25 | — | $6.8B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $6.4B | ||
| Q2 24 | — | $6.2B | ||
| Q1 24 | — | $6.6B |
股东权益CLOVESS
| Q4 25 | $308.7M | $5.5B | ||
| Q3 25 | $340.9M | $5.6B | ||
| Q2 25 | $344.2M | $5.6B | ||
| Q1 25 | $336.1M | $5.6B | ||
| Q4 24 | $341.1M | $5.5B | ||
| Q3 24 | $342.2M | $5.4B | ||
| Q2 24 | $324.9M | $5.5B | ||
| Q1 24 | $292.5M | $5.5B |
总资产CLOVESS
| Q4 25 | $541.0M | $13.2B | ||
| Q3 25 | $559.7M | $13.2B | ||
| Q2 25 | $575.0M | $13.2B | ||
| Q1 25 | $583.7M | $13.2B | ||
| Q4 24 | $580.7M | $12.9B | ||
| Q3 24 | $653.0M | $12.6B | ||
| Q2 24 | $674.2M | $12.5B | ||
| Q1 24 | $671.8M | $12.9B |
负债/权益比CLOVESS
| Q4 25 | — | — | ||
| Q3 25 | — | 1.15× | ||
| Q2 25 | — | 1.14× | ||
| Q1 25 | — | 1.22× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.18× | ||
| Q2 24 | — | 1.13× | ||
| Q1 24 | — | 1.19× |
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 | $-66.9M | $1.1B |
| 自由现金流经营现金流 - 资本支出 | $-69.0M | — |
| 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 | 0.4% | — |
| 现金转化率经营现金流/净利润 | — | 12.53× |
| 过去12个月自由现金流最近4个季度 | $-69.2M | — |
8季度趋势，按日历期对齐
经营现金流CLOVESS
| Q4 25 | $-66.9M | $1.1B | ||
| Q3 25 | $12.1M | $342.6M | ||
| Q2 25 | $5.4M | $216.1M | ||
| Q1 25 | $-16.3M | $281.5M | ||
| Q4 24 | $34.8M | $1.1B | ||
| Q3 24 | $50.0M | $316.2M | ||
| Q2 24 | $44.8M | $218.9M | ||
| Q1 24 | $25.9M | $314.9M |
自由现金流CLOVESS
| 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 | — | ||
| Q1 24 | $25.5M | — |
自由现金流率CLOVESS
| 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% | — | ||
| Q1 24 | 7.3% | — |
资本支出强度CLOVESS
| 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% | — | ||
| Q1 24 | 0.1% | — |
现金转化率CLOVESS
| Q4 25 | — | 12.53× | ||
| Q3 25 | — | 1.98× | ||
| Q2 25 | — | 0.93× | ||
| Q1 25 | — | 1.32× | ||
| Q4 24 | — | 3.54× | ||
| Q3 24 | — | 2.52× | ||
| Q2 24 | 6.04× | 2.21× | ||
| Q1 24 | — | 1.10× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
