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CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与OneWater Marine Inc.（ONEW）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OneWater Marine Inc.的1.3倍（$487.7M vs $380.6M），OneWater Marine Inc.净利率更高（-2.0% vs -10.1%，领先8.1%），CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（44.7% vs 1.3%），CLOVER HEALTH INVESTMENTS, CORP.自由现金流更多（$-69.0M vs $-78.2M），过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（18.6% vs -11.7%）
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。
OneWater Marine Inc.是美国头部休闲船舶零售企业，主营全新及二手船只、游艇、船舶零配件销售，同时提供船只维修保养、配套融资等服务，通过覆盖北美多州的经销商网络服务个人及商业休闲船艇客户。
CLOV vs ONEW — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $487.7M | $380.6M |
| 净利润 | $-49.3M | $-7.7M |
| 毛利率 | — | 23.5% |
| 营业利润率 | -10.1% | -1.4% |
| 净利率 | -10.1% | -2.0% |
| 营收同比 | 44.7% | 1.3% |
| 净利润同比 | -123.2% | 35.6% |
| 每股收益（稀释后） | — | — |
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 | $380.6M | ||
| Q3 25 | $496.6M | $460.1M | ||
| Q2 25 | $477.6M | $552.9M | ||
| Q1 25 | $462.3M | $483.5M | ||
| Q4 24 | $337.0M | $375.8M | ||
| Q3 24 | $331.0M | $377.9M | ||
| Q2 24 | $356.3M | $542.4M | ||
| Q1 24 | $346.9M | $488.3M |
| Q4 25 | $-49.3M | $-7.7M | ||
| Q3 25 | $-24.4M | $-113.0M | ||
| Q2 25 | $-10.6M | $10.7M | ||
| Q1 25 | $-1.3M | $-368.0K | ||
| Q4 24 | $-22.1M | $-12.0M | ||
| Q3 24 | $-9.2M | $-9.2M | ||
| Q2 24 | $7.4M | $14.7M | ||
| Q1 24 | $-19.2M | $-4.0M |
| Q4 25 | — | 23.5% | ||
| Q3 25 | — | 22.6% | ||
| Q2 25 | — | 23.3% | ||
| Q1 25 | — | 22.8% | ||
| Q4 24 | — | 22.4% | ||
| Q3 24 | 24.5% | 24.0% | ||
| Q2 24 | 30.3% | 24.4% | ||
| Q1 24 | 23.6% | 24.6% |
| Q4 25 | -10.1% | -1.4% | ||
| Q3 25 | -4.9% | -28.3% | ||
| Q2 25 | -2.2% | 5.5% | ||
| Q1 25 | -0.3% | 3.4% | ||
| Q4 24 | -6.4% | -0.5% | ||
| Q3 24 | -2.7% | 1.2% | ||
| Q2 24 | 2.0% | 7.4% | ||
| Q1 24 | -6.5% | 2.8% |
| Q4 25 | -10.1% | -2.0% | ||
| Q3 25 | -4.9% | -24.5% | ||
| Q2 25 | -2.2% | 1.9% | ||
| Q1 25 | -0.3% | -0.1% | ||
| Q4 24 | -6.6% | -3.2% | ||
| Q3 24 | -2.8% | -2.4% | ||
| Q2 24 | 2.1% | 2.7% | ||
| Q1 24 | -5.5% | -0.8% |
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 | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $308.7M | $277.5M |
| 总资产 | $541.0M | $1.4B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $78.3M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $194.5M | — | ||
| Q3 24 | $288.0M | — | ||
| Q2 24 | $254.8M | — | ||
| Q1 24 | $208.3M | — |
| Q4 25 | $308.7M | $277.5M | ||
| Q3 25 | $340.9M | $285.0M | ||
| Q2 25 | $344.2M | $393.2M | ||
| Q1 25 | $336.1M | $381.6M | ||
| Q4 24 | $341.1M | $354.8M | ||
| Q3 24 | $342.2M | $360.8M | ||
| Q2 24 | $324.9M | $368.6M | ||
| Q1 24 | $292.5M | $351.7M |
| Q4 25 | $541.0M | $1.4B | ||
| Q3 25 | $559.7M | $1.4B | ||
| Q2 25 | $575.0M | $1.5B | ||
| Q1 25 | $583.7M | $1.6B | ||
| Q4 24 | $580.7M | $1.6B | ||
| Q3 24 | $653.0M | $1.6B | ||
| Q2 24 | $674.2M | $1.6B | ||
| Q1 24 | $671.8M | $1.7B |
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 | $-76.3M |
| 自由现金流经营现金流 - 资本支出 | $-69.0M | $-78.2M |
| 自由现金流率自由现金流/营收 | -14.1% | -20.6% |
| 资本支出强度资本支出/营收 | 0.4% | 0.5% |
| 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 | $-69.2M | $41.6M |
8季度趋势，按日历期对齐
| Q4 25 | $-66.9M | $-76.3M | ||
| Q3 25 | $12.1M | $9.9M | ||
| Q2 25 | $5.4M | $90.8M | ||
| Q1 25 | $-16.3M | $28.5M | ||
| Q4 24 | $34.8M | $-37.4M | ||
| Q3 24 | $50.0M | $27.3M | ||
| Q2 24 | $44.8M | $93.8M | ||
| Q1 24 | $25.9M | $23.7M |
| Q4 25 | $-69.0M | $-78.2M | ||
| Q3 25 | $11.4M | $7.2M | ||
| Q2 25 | $4.8M | $88.9M | ||
| Q1 25 | $-16.5M | $23.7M | ||
| Q4 24 | $33.3M | $-40.0M | ||
| Q3 24 | $49.6M | $23.2M | ||
| Q2 24 | $44.4M | $86.9M | ||
| Q1 24 | $25.5M | $13.8M |
| Q4 25 | -14.1% | -20.6% | ||
| Q3 25 | 2.3% | 1.6% | ||
| Q2 25 | 1.0% | 16.1% | ||
| Q1 25 | -3.6% | 4.9% | ||
| Q4 24 | 9.9% | -10.7% | ||
| Q3 24 | 15.0% | 6.1% | ||
| Q2 24 | 12.5% | 16.0% | ||
| Q1 24 | 7.3% | 2.8% |
| Q4 25 | 0.4% | 0.5% | ||
| Q3 25 | 0.1% | 0.6% | ||
| Q2 25 | 0.1% | 0.4% | ||
| Q1 25 | 0.0% | 1.0% | ||
| Q4 24 | 0.5% | 0.7% | ||
| Q3 24 | 0.1% | 1.1% | ||
| Q2 24 | 0.1% | 1.3% | ||
| Q1 24 | 0.1% | 2.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 8.47× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 6.04× | 6.39× | ||
| Q1 24 | — | — |
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
ONEW
| New Sales | $233.3M | 61% |
| Pre Owned | $70.4M | 19% |
| Service Parts Other | $68.0M | 18% |
| Finance And Insurance Income | $8.9M | 2% |
