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CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与RBC Bearings INC（RBC）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RBC Bearings INC的1.1倍（$487.7M vs $461.6M），RBC Bearings INC净利率更高（14.6% vs -10.1%，领先24.7%），CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（44.7% vs 17.0%），RBC Bearings INC自由现金流更多（$99.1M vs $-69.0M），过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（18.6% vs 5.6%）
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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
CLOV vs RBC — 直观对比
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $487.7M | $461.6M |
| 净利润 | $-49.3M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | -10.1% | 22.3% |
| 净利率 | -10.1% | 14.6% |
| 营收同比 | 44.7% | 17.0% |
| 净利润同比 | -123.2% | 16.4% |
| 每股收益（稀释后） | — | $2.13 |
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 | $461.6M | ||
| Q3 25 | $496.6M | $455.3M | ||
| Q2 25 | $477.6M | $436.0M | ||
| Q1 25 | $462.3M | $437.7M | ||
| Q4 24 | $337.0M | $394.4M | ||
| Q3 24 | $331.0M | $397.9M | ||
| Q2 24 | $356.3M | $406.3M | ||
| Q1 24 | $346.9M | $413.7M |
| Q4 25 | $-49.3M | $67.4M | ||
| Q3 25 | $-24.4M | $60.0M | ||
| Q2 25 | $-10.6M | $68.5M | ||
| Q1 25 | $-1.3M | $72.7M | ||
| Q4 24 | $-22.1M | $57.9M | ||
| Q3 24 | $-9.2M | $54.2M | ||
| Q2 24 | $7.4M | $61.4M | ||
| Q1 24 | $-19.2M | — |
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | 24.5% | 43.7% | ||
| Q2 24 | 30.3% | 45.3% | ||
| Q1 24 | 23.6% | 43.1% |
| Q4 25 | -10.1% | 22.3% | ||
| Q3 25 | -4.9% | 21.5% | ||
| Q2 25 | -2.2% | 23.2% | ||
| Q1 25 | -0.3% | 23.0% | ||
| Q4 24 | -6.4% | 21.7% | ||
| Q3 24 | -2.7% | 21.6% | ||
| Q2 24 | 2.0% | 24.0% | ||
| Q1 24 | -6.5% | 22.8% |
| Q4 25 | -10.1% | 14.6% | ||
| Q3 25 | -4.9% | 13.2% | ||
| Q2 25 | -2.2% | 15.7% | ||
| Q1 25 | -0.3% | 16.6% | ||
| Q4 24 | -6.6% | 14.7% | ||
| Q3 24 | -2.8% | 13.6% | ||
| Q2 24 | 2.1% | 15.1% | ||
| Q1 24 | -5.5% | — |
| Q4 25 | — | $2.13 | ||
| Q3 25 | — | $1.90 | ||
| Q2 25 | — | $2.17 | ||
| Q1 25 | — | $2.33 | ||
| Q4 24 | — | $1.82 | ||
| Q3 24 | — | $1.65 | ||
| Q2 24 | — | $1.90 | ||
| Q1 24 | — | $1.92 |
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 | $107.6M |
| 总债务越低越好 | — | $990.2M |
| 股东权益账面价值 | $308.7M | $3.3B |
| 总资产 | $541.0M | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
| Q4 25 | $78.3M | $107.6M | ||
| Q3 25 | — | $91.2M | ||
| Q2 25 | — | $132.9M | ||
| Q1 25 | — | $36.8M | ||
| Q4 24 | $194.5M | — | ||
| Q3 24 | $288.0M | — | ||
| Q2 24 | $254.8M | $76.8M | ||
| Q1 24 | $208.3M | $63.5M |
| Q4 25 | — | $990.2M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $915.6M | ||
| Q1 25 | — | $920.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.2B |
| Q4 25 | $308.7M | $3.3B | ||
| Q3 25 | $340.9M | $3.2B | ||
| Q2 25 | $344.2M | $3.1B | ||
| Q1 25 | $336.1M | $3.0B | ||
| Q4 24 | $341.1M | $2.9B | ||
| Q3 24 | $342.2M | $2.9B | ||
| Q2 24 | $324.9M | $2.8B | ||
| Q1 24 | $292.5M | $2.8B |
| Q4 25 | $541.0M | $5.1B | ||
| Q3 25 | $559.7M | $5.1B | ||
| Q2 25 | $575.0M | $4.8B | ||
| Q1 25 | $583.7M | $4.7B | ||
| Q4 24 | $580.7M | $4.7B | ||
| Q3 24 | $653.0M | $4.7B | ||
| Q2 24 | $674.2M | $4.7B | ||
| Q1 24 | $671.8M | $4.7B |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
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 | $122.1M |
| 自由现金流经营现金流 - 资本支出 | $-69.0M | $99.1M |
| 自由现金流率自由现金流/营收 | -14.1% | 21.5% |
| 资本支出强度资本支出/营收 | 0.4% | 5.0% |
| 现金转化率经营现金流/净利润 | — | 1.81× |
| 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
| Q4 25 | $-66.9M | $122.1M | ||
| Q3 25 | $12.1M | $88.4M | ||
| Q2 25 | $5.4M | $120.0M | ||
| Q1 25 | $-16.3M | — | ||
| Q4 24 | $34.8M | $84.0M | ||
| Q3 24 | $50.0M | — | ||
| Q2 24 | $44.8M | $97.4M | ||
| Q1 24 | $25.9M | — |
| Q4 25 | $-69.0M | $99.1M | ||
| Q3 25 | $11.4M | $71.7M | ||
| Q2 25 | $4.8M | $104.3M | ||
| Q1 25 | $-16.5M | — | ||
| Q4 24 | $33.3M | $73.6M | ||
| Q3 24 | $49.6M | — | ||
| Q2 24 | $44.4M | $88.4M | ||
| Q1 24 | $25.5M | — |
| Q4 25 | -14.1% | 21.5% | ||
| Q3 25 | 2.3% | 15.7% | ||
| Q2 25 | 1.0% | 23.9% | ||
| Q1 25 | -3.6% | — | ||
| Q4 24 | 9.9% | 18.7% | ||
| Q3 24 | 15.0% | — | ||
| Q2 24 | 12.5% | 21.8% | ||
| Q1 24 | 7.3% | — |
| Q4 25 | 0.4% | 5.0% | ||
| Q3 25 | 0.1% | 3.7% | ||
| Q2 25 | 0.1% | 3.6% | ||
| Q1 25 | 0.0% | 3.2% | ||
| Q4 24 | 0.5% | 2.6% | ||
| Q3 24 | 0.1% | 4.1% | ||
| Q2 24 | 0.1% | 2.2% | ||
| Q1 24 | 0.1% | — |
| Q4 25 | — | 1.81× | ||
| Q3 25 | — | 1.47× | ||
| Q2 25 | — | 1.75× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.45× | ||
| Q3 24 | — | — | ||
| Q2 24 | 6.04× | 1.59× | ||
| 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
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
