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CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与Forestar Group Inc.（FOR）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Forestar Group Inc.的1.8倍（$487.7M vs $273.0M），Forestar Group Inc.净利率更高（5.6% vs -10.1%，领先15.8%），CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（44.7% vs 9.0%），CLOVER HEALTH INVESTMENTS, CORP.自由现金流更多（$-69.0M vs $-157.1M），过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（18.6% vs -9.6%）
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。
福雷斯特集团是一家住宅地块开发企业，总部位于得克萨斯州阿灵顿，业务覆盖美国21个州的51个市场。截至2020年12月31日的12个月内，该公司交付了11518块住宅地块，目前在纽约证券交易所上市，自2002年起就是美国规模最大的住宅建筑商D.R. Horton的控股子公司。
CLOV vs FOR — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $487.7M | $273.0M |
| 净利润 | $-49.3M | $15.4M |
| 毛利率 | — | 20.1% |
| 营业利润率 | -10.1% | 7.6% |
| 净利率 | -10.1% | 5.6% |
| 营收同比 | 44.7% | 9.0% |
| 净利润同比 | -123.2% | -6.7% |
| 每股收益（稀释后） | — | $0.30 |
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
| Q4 25 | $487.7M | $273.0M | ||
| Q3 25 | $496.6M | $670.5M | ||
| Q2 25 | $477.6M | $390.5M | ||
| Q1 25 | $462.3M | $351.0M | ||
| Q4 24 | $337.0M | $250.4M | ||
| Q3 24 | $331.0M | $551.3M | ||
| Q2 24 | $356.3M | $318.4M | ||
| Q1 24 | $346.9M | $333.8M |
| Q4 25 | $-49.3M | $15.4M | ||
| Q3 25 | $-24.4M | $86.9M | ||
| Q2 25 | $-10.6M | $32.9M | ||
| Q1 25 | $-1.3M | $31.6M | ||
| Q4 24 | $-22.1M | $16.5M | ||
| Q3 24 | $-9.2M | $81.5M | ||
| Q2 24 | $7.4M | $38.7M | ||
| Q1 24 | $-19.2M | $45.0M |
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 22.6% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | 24.5% | 23.9% | ||
| Q2 24 | 30.3% | 22.5% | ||
| Q1 24 | 23.6% | 24.9% |
| Q4 25 | -10.1% | 7.6% | ||
| Q3 25 | -4.9% | 16.9% | ||
| Q2 25 | -2.2% | 11.2% | ||
| Q1 25 | -0.3% | 11.6% | ||
| Q4 24 | -6.4% | 8.7% | ||
| Q3 24 | -2.7% | 19.7% | ||
| Q2 24 | 2.0% | 16.2% | ||
| Q1 24 | -6.5% | 17.6% |
| Q4 25 | -10.1% | 5.6% | ||
| Q3 25 | -4.9% | 13.0% | ||
| Q2 25 | -2.2% | 8.4% | ||
| Q1 25 | -0.3% | 9.0% | ||
| Q4 24 | -6.6% | 6.6% | ||
| Q3 24 | -2.8% | 14.8% | ||
| Q2 24 | 2.1% | 12.2% | ||
| Q1 24 | -5.5% | 13.5% |
| Q4 25 | — | $0.30 | ||
| Q3 25 | — | $1.70 | ||
| Q2 25 | — | $0.65 | ||
| Q1 25 | — | $0.62 | ||
| Q4 24 | — | $0.32 | ||
| Q3 24 | — | $1.59 | ||
| Q2 24 | — | $0.76 | ||
| Q1 24 | — | $0.89 |
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 | $211.7M |
| 总债务越低越好 | — | $793.2M |
| 股东权益账面价值 | $308.7M | $1.8B |
| 总资产 | $541.0M | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.44× |
8季度趋势，按日历期对齐
| Q4 25 | $78.3M | $211.7M | ||
| Q3 25 | — | $379.2M | ||
| Q2 25 | — | $189.2M | ||
| Q1 25 | — | $174.3M | ||
| Q4 24 | $194.5M | $132.0M | ||
| Q3 24 | $288.0M | $481.2M | ||
| Q2 24 | $254.8M | $359.2M | ||
| Q1 24 | $208.3M | $416.2M |
| Q4 25 | — | $793.2M | ||
| Q3 25 | — | $802.7M | ||
| Q2 25 | — | $872.8M | ||
| Q1 25 | — | $872.5M | ||
| Q4 24 | — | $806.8M | ||
| Q3 24 | — | $706.4M | ||
| Q2 24 | — | $706.1M | ||
| Q1 24 | — | $705.7M |
| Q4 25 | $308.7M | $1.8B | ||
| Q3 25 | $340.9M | $1.8B | ||
| Q2 25 | $344.2M | $1.7B | ||
| Q1 25 | $336.1M | $1.6B | ||
| Q4 24 | $341.1M | $1.6B | ||
| Q3 24 | $342.2M | $1.6B | ||
| Q2 24 | $324.9M | $1.5B | ||
| Q1 24 | $292.5M | $1.5B |
| Q4 25 | $541.0M | $3.2B | ||
| Q3 25 | $559.7M | $3.1B | ||
| Q2 25 | $575.0M | $3.1B | ||
| Q1 25 | $583.7M | $3.0B | ||
| Q4 24 | $580.7M | $3.0B | ||
| Q3 24 | $653.0M | $2.8B | ||
| Q2 24 | $674.2M | $2.7B | ||
| Q1 24 | $671.8M | $2.6B |
| Q4 25 | — | 0.44× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.52× | ||
| Q1 25 | — | 0.53× | ||
| Q4 24 | — | 0.50× | ||
| Q3 24 | — | 0.44× | ||
| Q2 24 | — | 0.47× | ||
| Q1 24 | — | 0.48× |
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 | $-157.0M |
| 自由现金流经营现金流 - 资本支出 | $-69.0M | $-157.1M |
| 自由现金流率自由现金流/营收 | -14.1% | -57.5% |
| 资本支出强度资本支出/营收 | 0.4% | 0.0% |
| 现金转化率经营现金流/净利润 | — | -10.19× |
| 过去12个月自由现金流最近4个季度 | $-69.2M | $93.0M |
8季度趋势，按日历期对齐
| Q4 25 | $-66.9M | $-157.0M | ||
| Q3 25 | $12.1M | $256.3M | ||
| Q2 25 | $5.4M | $15.8M | ||
| Q1 25 | $-16.3M | $-19.8M | ||
| Q4 24 | $34.8M | $-450.0M | ||
| Q3 24 | $50.0M | $119.2M | ||
| Q2 24 | $44.8M | $-61.7M | ||
| Q1 24 | $25.9M | $-59.2M |
| Q4 25 | $-69.0M | $-157.1M | ||
| Q3 25 | $11.4M | $255.6M | ||
| Q2 25 | $4.8M | $15.0M | ||
| Q1 25 | $-16.5M | $-20.5M | ||
| Q4 24 | $33.3M | — | ||
| Q3 24 | $49.6M | $118.4M | ||
| Q2 24 | $44.4M | $-62.3M | ||
| Q1 24 | $25.5M | $-59.8M |
| Q4 25 | -14.1% | -57.5% | ||
| Q3 25 | 2.3% | 38.1% | ||
| Q2 25 | 1.0% | 3.8% | ||
| Q1 25 | -3.6% | -5.8% | ||
| Q4 24 | 9.9% | — | ||
| Q3 24 | 15.0% | 21.5% | ||
| Q2 24 | 12.5% | -19.6% | ||
| Q1 24 | 7.3% | -17.9% |
| Q4 25 | 0.4% | 0.0% | ||
| Q3 25 | 0.1% | 0.1% | ||
| Q2 25 | 0.1% | 0.2% | ||
| Q1 25 | 0.0% | 0.2% | ||
| Q4 24 | 0.5% | 0.0% | ||
| Q3 24 | 0.1% | 0.1% | ||
| Q2 24 | 0.1% | 0.2% | ||
| Q1 24 | 0.1% | 0.2% |
| Q4 25 | — | -10.19× | ||
| Q3 25 | — | 2.95× | ||
| Q2 25 | — | 0.48× | ||
| Q1 25 | — | -0.63× | ||
| Q4 24 | — | -27.27× | ||
| Q3 24 | — | 1.46× | ||
| Q2 24 | 6.04× | -1.59× | ||
| Q1 24 | — | -1.32× |
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
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
