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CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与FirstCash Holdings, Inc.（FCFS）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FirstCash Holdings, Inc.的1.5倍（$749.2M vs $501.3M），FirstCash Holdings, Inc.净利率更高（20.8% vs 3.6%，领先17.1%），CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（62.0% vs 21.2%），过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（45.0% vs 16.9%）
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。
FirstCash Holdings, Inc.是总部位于美国得克萨斯州沃斯堡的典当企业，在美国及拉丁美洲多地运营线下典当零售门店，为纳斯达克证券交易所公开上市企业，在美洲典当服务领域拥有成熟的业务布局与完善的运营网络。
CLOV vs FCFS — 直观对比
营收规模更大
CLOV
是对方的1.5倍
$501.3M
营收增速更快
CLOV
高出40.9%
21.2%
净利率更高
FCFS
高出17.1%
3.6%
两年增速更快
CLOV
近两年复合增速
16.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $749.2M | $501.3M |
| 净利润 | $27.3M | $104.2M |
| 毛利率 | — | — |
| 营业利润率 | 3.6% | 28.5% |
| 净利率 | 3.6% | 20.8% |
| 营收同比 | 62.0% | 21.2% |
| 净利润同比 | — | 24.7% |
| 每股收益（稀释后） | $0.05 | $2.35 |
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CLOVFCFS
| Q1 26 | $749.2M | — | ||
| Q4 25 | $487.7M | $501.3M | ||
| Q3 25 | $496.6M | $411.0M | ||
| Q2 25 | $477.6M | $385.1M | ||
| Q1 25 | $462.3M | $371.1M | ||
| Q4 24 | $337.0M | $413.7M | ||
| Q3 24 | $331.0M | $363.1M | ||
| Q2 24 | $356.3M | $363.5M |
净利润CLOVFCFS
| Q1 26 | $27.3M | — | ||
| Q4 25 | $-49.3M | $104.2M | ||
| Q3 25 | $-24.4M | $82.8M | ||
| Q2 25 | $-10.6M | $59.8M | ||
| Q1 25 | $-1.3M | $83.6M | ||
| Q4 24 | $-22.1M | $83.5M | ||
| Q3 24 | $-9.2M | $64.8M | ||
| Q2 24 | $7.4M | $49.1M |
毛利率CLOVFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 24.5% | — | ||
| Q2 24 | 30.3% | — |
营业利润率CLOVFCFS
| Q1 26 | 3.6% | — | ||
| Q4 25 | -10.1% | 28.5% | ||
| Q3 25 | -4.9% | 27.4% | ||
| Q2 25 | -2.2% | 21.1% | ||
| Q1 25 | -0.3% | 30.0% | ||
| Q4 24 | -6.4% | 26.5% | ||
| Q3 24 | -2.7% | 23.5% | ||
| Q2 24 | 2.0% | 18.2% |
净利率CLOVFCFS
| Q1 26 | 3.6% | — | ||
| Q4 25 | -10.1% | 20.8% | ||
| Q3 25 | -4.9% | 20.1% | ||
| Q2 25 | -2.2% | 15.5% | ||
| Q1 25 | -0.3% | 22.5% | ||
| Q4 24 | -6.6% | 20.2% | ||
| Q3 24 | -2.8% | 17.9% | ||
| Q2 24 | 2.1% | 13.5% |
每股收益（稀释后）CLOVFCFS
| Q1 26 | $0.05 | — | ||
| Q4 25 | — | $2.35 | ||
| Q3 25 | — | $1.86 | ||
| Q2 25 | — | $1.34 | ||
| Q1 25 | — | $1.87 | ||
| Q4 24 | — | $1.86 | ||
| Q3 24 | — | $1.44 | ||
| Q2 24 | — | $1.08 |
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 | $125.2M |
| 总债务越低越好 | — | $2.2B |
| 股东权益账面价值 | $339.4M | $2.3B |
| 总资产 | $697.7M | $5.3B |
| 负债/权益比越低杠杆越低 | — | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资CLOVFCFS
| Q1 26 | $177.6M | — | ||
| Q4 25 | $78.3M | $125.2M | ||
| Q3 25 | — | $130.2M | ||
| Q2 25 | — | $101.5M | ||
| Q1 25 | — | $146.0M | ||
| Q4 24 | $194.5M | $175.1M | ||
| Q3 24 | $288.0M | $106.3M | ||
| Q2 24 | $254.8M | $113.7M |
总债务CLOVFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | $2.2B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $1.7B | ||
| Q1 25 | — | $1.7B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.7B |
股东权益CLOVFCFS
| Q1 26 | $339.4M | — | ||
| Q4 25 | $308.7M | $2.3B | ||
| Q3 25 | $340.9M | $2.2B | ||
| Q2 25 | $344.2M | $2.1B | ||
| Q1 25 | $336.1M | $2.1B | ||
| Q4 24 | $341.1M | $2.1B | ||
| Q3 24 | $342.2M | $2.0B | ||
| Q2 24 | $324.9M | $2.0B |
总资产CLOVFCFS
| Q1 26 | $697.7M | — | ||
| Q4 25 | $541.0M | $5.3B | ||
| Q3 25 | $559.7M | $5.2B | ||
| Q2 25 | $575.0M | $4.5B | ||
| Q1 25 | $583.7M | $4.4B | ||
| Q4 24 | $580.7M | $4.5B | ||
| Q3 24 | $653.0M | $4.4B | ||
| Q2 24 | $674.2M | $4.3B |
负债/权益比CLOVFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | 0.98× | ||
| Q3 25 | — | 1.01× | ||
| Q2 25 | — | 0.79× | ||
| Q1 25 | — | 0.83× | ||
| Q4 24 | — | 0.85× | ||
| Q3 24 | — | 0.87× | ||
| Q2 24 | — | 0.85× |
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 | — | $206.6M |
| 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 | — | 1.98× |
| 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CLOVFCFS
| Q1 26 | — | — | ||
| Q4 25 | $-66.9M | $206.6M | ||
| Q3 25 | $12.1M | $135.8M | ||
| Q2 25 | $5.4M | $116.9M | ||
| Q1 25 | $-16.3M | $126.6M | ||
| Q4 24 | $34.8M | $198.1M | ||
| Q3 24 | $50.0M | $113.1M | ||
| Q2 24 | $44.8M | $106.2M |
自由现金流CLOVFCFS
| 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CLOVFCFS
| 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CLOVFCFS
| 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CLOVFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | 1.98× | ||
| Q3 25 | — | 1.64× | ||
| Q2 25 | — | 1.95× | ||
| Q1 25 | — | 1.51× | ||
| Q4 24 | — | 2.37× | ||
| Q3 24 | — | 1.74× | ||
| Q2 24 | 6.04× | 2.16× |
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
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
