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CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与利氏兄弟拍卖行（RBA）财务数据对比。点击上方公司名可切换其他公司
利氏兄弟拍卖行的季度营收约是CLOVER HEALTH INVESTMENTS, CORP.的1.6倍（$1.2B vs $749.2M），利氏兄弟拍卖行净利率更高（11.0% vs 3.6%，领先7.3%），CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（62.0% vs 11.4%），过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（45.0% vs 6.1%）
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。
利氏兄弟拍卖行（股票代码RBA）是全球知名的工业资产拍卖服务商，注册地位于加拿大，属公开上市企业，总部设在美国伊利诺伊州韦斯特切斯特，普通股同时在多伦多证券交易所与纽约证券交易所挂牌交易。
CLOV vs RBA — 直观对比
营收规模更大
RBA
是对方的1.6倍
$749.2M
营收增速更快
CLOV
高出50.7%
11.4%
净利率更高
RBA
高出7.3%
3.6%
两年增速更快
CLOV
近两年复合增速
6.1%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $749.2M | $1.2B |
| 净利润 | $27.3M | $135.6M |
| 毛利率 | — | — |
| 营业利润率 | 3.6% | 17.6% |
| 净利率 | 3.6% | 11.0% |
| 营收同比 | 62.0% | 11.4% |
| 净利润同比 | — | 19.7% |
| 每股收益（稀释后） | $0.05 | $0.66 |
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CLOVRBA
| Q1 26 | $749.2M | $1.2B | ||
| Q4 25 | $487.7M | $1.2B | ||
| Q3 25 | $496.6M | $1.1B | ||
| Q2 25 | $477.6M | $1.2B | ||
| Q1 25 | $462.3M | $1.1B | ||
| Q4 24 | $337.0M | $1.1B | ||
| Q3 24 | $331.0M | $981.8M | ||
| Q2 24 | $356.3M | $1.1B |
净利润CLOVRBA
| Q1 26 | $27.3M | $135.6M | ||
| Q4 25 | $-49.3M | $109.7M | ||
| Q3 25 | $-24.4M | $95.5M | ||
| Q2 25 | $-10.6M | $109.8M | ||
| Q1 25 | $-1.3M | $113.4M | ||
| Q4 24 | $-22.1M | $118.5M | ||
| Q3 24 | $-9.2M | $76.1M | ||
| Q2 24 | $7.4M | $111.1M |
毛利率CLOVRBA
| 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CLOVRBA
| Q1 26 | 3.6% | 17.6% | ||
| Q4 25 | -10.1% | 14.7% | ||
| Q3 25 | -4.9% | 14.5% | ||
| Q2 25 | -2.2% | 15.9% | ||
| Q1 25 | -0.3% | 17.1% | ||
| Q4 24 | -6.4% | 18.1% | ||
| Q3 24 | -2.7% | 15.6% | ||
| Q2 24 | 2.0% | 18.4% |
净利率CLOVRBA
| Q1 26 | 3.6% | 11.0% | ||
| Q4 25 | -10.1% | 9.1% | ||
| Q3 25 | -4.9% | 8.7% | ||
| Q2 25 | -2.2% | 9.3% | ||
| Q1 25 | -0.3% | 10.2% | ||
| Q4 24 | -6.6% | 10.4% | ||
| Q3 24 | -2.8% | 7.8% | ||
| Q2 24 | 2.1% | 10.1% |
每股收益（稀释后）CLOVRBA
| Q1 26 | $0.05 | $0.66 | ||
| Q4 25 | — | $0.53 | ||
| Q3 25 | — | $0.43 | ||
| Q2 25 | — | $0.53 | ||
| Q1 25 | — | $0.55 | ||
| Q4 24 | — | $0.58 | ||
| Q3 24 | — | $0.36 | ||
| Q2 24 | — | $0.54 |
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 | $667.2M |
| 总债务越低越好 | — | $2.6B |
| 股东权益账面价值 | $339.4M | $5.6B |
| 总资产 | $697.7M | $12.4B |
| 负债/权益比越低杠杆越低 | — | 0.45× |
8季度趋势，按日历期对齐
现金及短期投资CLOVRBA
| Q1 26 | $177.6M | $667.2M | ||
| Q4 25 | $78.3M | $531.5M | ||
| Q3 25 | — | $674.7M | ||
| Q2 25 | — | $710.2M | ||
| Q1 25 | — | $578.1M | ||
| Q4 24 | $194.5M | $533.9M | ||
| Q3 24 | $288.0M | $650.7M | ||
| Q2 24 | $254.8M | $599.5M |
总债务CLOVRBA
| Q1 26 | — | $2.6B | ||
| Q4 25 | — | $2.3B | ||
| Q3 25 | — | $2.6B | ||
| Q2 25 | — | $2.6B | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $2.6B | ||
| Q3 24 | — | $2.7B | ||
| Q2 24 | — | $2.8B |
股东权益CLOVRBA
| Q1 26 | $339.4M | $5.6B | ||
| Q4 25 | $308.7M | $5.6B | ||
| Q3 25 | $340.9M | $5.5B | ||
| Q2 25 | $344.2M | $5.5B | ||
| Q1 25 | $336.1M | $5.3B | ||
| Q4 24 | $341.1M | $5.2B | ||
| Q3 24 | $342.2M | $5.2B | ||
| Q2 24 | $324.9M | $5.2B |
总资产CLOVRBA
| Q1 26 | $697.7M | $12.4B | ||
| Q4 25 | $541.0M | $12.1B | ||
| Q3 25 | $559.7M | $12.2B | ||
| Q2 25 | $575.0M | $12.2B | ||
| Q1 25 | $583.7M | $11.9B | ||
| Q4 24 | $580.7M | $11.8B | ||
| Q3 24 | $653.0M | $11.9B | ||
| Q2 24 | $674.2M | $12.1B |
负债/权益比CLOVRBA
| Q1 26 | — | 0.45× | ||
| Q4 25 | — | 0.42× | ||
| Q3 25 | — | 0.47× | ||
| Q2 25 | — | 0.47× | ||
| Q1 25 | — | 0.50× | ||
| Q4 24 | — | 0.50× | ||
| Q3 24 | — | 0.52× | ||
| Q2 24 | — | 0.55× |
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 | — | $224.1M |
| 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 | — | 1.65× |
| 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CLOVRBA
| Q1 26 | — | $224.1M | ||
| Q4 25 | $-66.9M | $255.2M | ||
| Q3 25 | $12.1M | $239.7M | ||
| Q2 25 | $5.4M | $326.5M | ||
| Q1 25 | $-16.3M | $156.8M | ||
| Q4 24 | $34.8M | $184.5M | ||
| Q3 24 | $50.0M | $285.4M | ||
| Q2 24 | $44.8M | $337.3M |
自由现金流CLOVRBA
| Q1 26 | — | — | ||
| Q4 25 | $-69.0M | $186.5M | ||
| Q3 25 | $11.4M | $188.5M | ||
| Q2 25 | $4.8M | $241.7M | ||
| Q1 25 | $-16.5M | $102.5M | ||
| Q4 24 | $33.3M | $127.9M | ||
| Q3 24 | $49.6M | $248.5M | ||
| Q2 24 | $44.4M | $308.6M |
自由现金流率CLOVRBA
| Q1 26 | — | — | ||
| Q4 25 | -14.1% | 15.5% | ||
| Q3 25 | 2.3% | 17.3% | ||
| Q2 25 | 1.0% | 20.4% | ||
| Q1 25 | -3.6% | 9.2% | ||
| Q4 24 | 9.9% | 11.2% | ||
| Q3 24 | 15.0% | 25.3% | ||
| Q2 24 | 12.5% | 28.2% |
资本支出强度CLOVRBA
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 5.7% | ||
| Q3 25 | 0.1% | 4.7% | ||
| Q2 25 | 0.1% | 7.2% | ||
| Q1 25 | 0.0% | 4.9% | ||
| Q4 24 | 0.5% | 5.0% | ||
| Q3 24 | 0.1% | 3.8% | ||
| Q2 24 | 0.1% | 2.6% |
现金转化率CLOVRBA
| Q1 26 | — | 1.65× | ||
| Q4 25 | — | 2.33× | ||
| Q3 25 | — | 2.51× | ||
| Q2 25 | — | 2.97× | ||
| Q1 25 | — | 1.38× | ||
| Q4 24 | — | 1.56× | ||
| Q3 24 | — | 3.75× | ||
| Q2 24 | 6.04× | 3.04× |
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
RBA
| Transactional buyer revenue | $577.5M | 47% |
| Inventory sales revenue | $336.9M | 27% |
| Transactional seller revenue | $241.3M | 20% |
| Marketplace services revenue | $78.9M | 6% |
