vs
CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与Rivian Automotive, Inc.（RIVN）财务数据对比。点击上方公司名可切换其他公司
Rivian Automotive, Inc.的季度营收约是CLOVER HEALTH INVESTMENTS, CORP.的1.7倍（$1.3B vs $749.2M），CLOVER HEALTH INVESTMENTS, CORP.净利率更高（3.6% vs -63.1%，领先66.7%），CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（62.0% vs -25.8%），过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（45.0% vs 3.3%）
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。
Rivian Automotive是2009年成立的美国电动汽车制造商及汽车科技企业，主打基于自研滑板平台打造的电动SUV、皮卡及EDV电动配送货车，旗下R1T皮卡于2021年末正式开启交付，还计划于2023年底前在美国和加拿大布局专属充电网络，其平台可适配新车型也可对外授权使用。
CLOV vs RIVN — 直观对比
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $749.2M | $1.3B |
| 净利润 | $27.3M | $-811.0M |
| 毛利率 | — | 9.3% |
| 营业利润率 | 3.6% | -64.8% |
| 净利率 | 3.6% | -63.1% |
| 营收同比 | 62.0% | -25.8% |
| 净利润同比 | — | -9.0% |
| 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
| Q1 26 | $749.2M | — | ||
| Q4 25 | $487.7M | $1.3B | ||
| Q3 25 | $496.6M | $1.6B | ||
| Q2 25 | $477.6M | $1.3B | ||
| Q1 25 | $462.3M | $1.2B | ||
| Q4 24 | $337.0M | $1.7B | ||
| Q3 24 | $331.0M | $874.0M | ||
| Q2 24 | $356.3M | $1.2B |
| Q1 26 | $27.3M | — | ||
| Q4 25 | $-49.3M | $-811.0M | ||
| Q3 25 | $-24.4M | $-1.2B | ||
| Q2 25 | $-10.6M | $-1.1B | ||
| Q1 25 | $-1.3M | $-545.0M | ||
| Q4 24 | $-22.1M | $-744.0M | ||
| Q3 24 | $-9.2M | $-1.1B | ||
| Q2 24 | $7.4M | $-1.5B |
| Q1 26 | — | — | ||
| Q4 25 | — | 9.3% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | -15.8% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 9.8% | ||
| Q3 24 | 24.5% | -44.9% | ||
| Q2 24 | 30.3% | -38.9% |
| Q1 26 | 3.6% | — | ||
| Q4 25 | -10.1% | -64.8% | ||
| Q3 25 | -4.9% | -63.1% | ||
| Q2 25 | -2.2% | -85.5% | ||
| Q1 25 | -0.3% | -52.8% | ||
| Q4 24 | -6.4% | -38.1% | ||
| Q3 24 | -2.7% | -133.8% | ||
| Q2 24 | 2.0% | -118.7% |
| Q1 26 | 3.6% | — | ||
| Q4 25 | -10.1% | -63.1% | ||
| Q3 25 | -4.9% | -75.3% | ||
| Q2 25 | -2.2% | -85.7% | ||
| Q1 25 | -0.3% | -44.0% | ||
| Q4 24 | -6.6% | -42.9% | ||
| Q3 24 | -2.8% | -125.9% | ||
| Q2 24 | 2.1% | -125.8% |
| Q1 26 | $0.05 | — | ||
| Q4 25 | — | $-0.66 | ||
| Q3 25 | — | $-0.96 | ||
| Q2 25 | — | $-0.97 | ||
| Q1 25 | — | $-0.48 | ||
| Q4 24 | — | $-0.67 | ||
| Q3 24 | — | $-1.08 | ||
| Q2 24 | — | $-1.46 |
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 | $6.1B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $339.4M | $4.6B |
| 总资产 | $697.7M | $14.9B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q1 26 | $177.6M | — | ||
| Q4 25 | $78.3M | $6.1B | ||
| Q3 25 | — | $7.1B | ||
| Q2 25 | — | $7.5B | ||
| Q1 25 | — | $7.2B | ||
| Q4 24 | $194.5M | $7.7B | ||
| Q3 24 | $288.0M | $6.7B | ||
| Q2 24 | $254.8M | $7.9B |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $5.5B |
| Q1 26 | $339.4M | — | ||
| Q4 25 | $308.7M | $4.6B | ||
| Q3 25 | $340.9M | $5.1B | ||
| Q2 25 | $344.2M | $6.1B | ||
| Q1 25 | $336.1M | $6.2B | ||
| Q4 24 | $341.1M | $6.6B | ||
| Q3 24 | $342.2M | $5.9B | ||
| Q2 24 | $324.9M | $6.8B |
| Q1 26 | $697.7M | — | ||
| Q4 25 | $541.0M | $14.9B | ||
| Q3 25 | $559.7M | $15.2B | ||
| Q2 25 | $575.0M | $15.6B | ||
| Q1 25 | $583.7M | $15.5B | ||
| Q4 24 | $580.7M | $15.4B | ||
| Q3 24 | $653.0M | $14.3B | ||
| Q2 24 | $674.2M | $15.4B |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.81× |
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 | — | $-681.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.1B |
| 自由现金流率自由现金流/营收 | — | -89.0% |
| 资本支出强度资本支出/营收 | — | 36.0% |
| 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 | — | $-2.5B |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $-66.9M | $-681.0M | ||
| Q3 25 | $12.1M | $26.0M | ||
| Q2 25 | $5.4M | $64.0M | ||
| Q1 25 | $-16.3M | $-188.0M | ||
| Q4 24 | $34.8M | $1.2B | ||
| Q3 24 | $50.0M | $-876.0M | ||
| Q2 24 | $44.8M | $-754.0M |
| Q1 26 | — | — | ||
| Q4 25 | $-69.0M | $-1.1B | ||
| Q3 25 | $11.4M | $-421.0M | ||
| Q2 25 | $4.8M | $-398.0M | ||
| Q1 25 | $-16.5M | $-526.0M | ||
| Q4 24 | $33.3M | $856.0M | ||
| Q3 24 | $49.6M | $-1.2B | ||
| Q2 24 | $44.4M | $-1.0B |
| Q1 26 | — | — | ||
| Q4 25 | -14.1% | -89.0% | ||
| Q3 25 | 2.3% | -27.0% | ||
| Q2 25 | 1.0% | -30.5% | ||
| Q1 25 | -3.6% | -42.4% | ||
| Q4 24 | 9.9% | 49.4% | ||
| Q3 24 | 15.0% | -131.9% | ||
| Q2 24 | 12.5% | -89.6% |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 36.0% | ||
| Q3 25 | 0.1% | 28.7% | ||
| Q2 25 | 0.1% | 35.5% | ||
| Q1 25 | 0.0% | 27.3% | ||
| Q4 24 | 0.5% | 18.9% | ||
| Q3 24 | 0.1% | 31.7% | ||
| Q2 24 | 0.1% | 24.4% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 6.04× | — |
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
RIVN
| Automotive Segment | $839.0M | 65% |
| Software And Services Segment | $447.0M | 35% |
| Regulatory Credits | $30.0M | 2% |
