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CLOVER HEALTH INVESTMENTS, CORP.（CLOV）与Stitch Fix, Inc.（SFIX）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Stitch Fix, Inc.的2.2倍（$749.2M vs $342.1M），CLOVER HEALTH INVESTMENTS, CORP.净利率更高（3.6% vs -1.9%，领先5.5%），CLOVER HEALTH INVESTMENTS, CORP.同比增速更快（62.0% vs 7.3%），过去两年CLOVER HEALTH INVESTMENTS, CORP.的营收复合增速更高（45.0% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
CLOV vs SFIX — 直观对比
营收规模更大
CLOV
是对方的2.2倍
$342.1M
营收增速更快
CLOV
高出54.7%
7.3%
净利率更高
CLOV
高出5.5%
-1.9%
两年增速更快
CLOV
近两年复合增速
1.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $749.2M | $342.1M |
| 净利润 | $27.3M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | 3.6% | -2.5% |
| 净利率 | 3.6% | -1.9% |
| 营收同比 | 62.0% | 7.3% |
| 净利润同比 | — | -1.7% |
| 每股收益（稀释后） | $0.05 | $-0.05 |
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CLOVSFIX
| Q1 26 | $749.2M | — | ||
| Q4 25 | $487.7M | $342.1M | ||
| Q3 25 | $496.6M | $311.2M | ||
| Q2 25 | $477.6M | $325.0M | ||
| Q1 25 | $462.3M | $312.1M | ||
| Q4 24 | $337.0M | $318.8M | ||
| Q3 24 | $331.0M | $319.6M | ||
| Q2 24 | $356.3M | $322.7M |
净利润CLOVSFIX
| Q1 26 | $27.3M | — | ||
| Q4 25 | $-49.3M | $-6.4M | ||
| Q3 25 | $-24.4M | $-8.6M | ||
| Q2 25 | $-10.6M | $-7.4M | ||
| Q1 25 | $-1.3M | $-6.5M | ||
| Q4 24 | $-22.1M | $-6.3M | ||
| Q3 24 | $-9.2M | $-36.5M | ||
| Q2 24 | $7.4M | $-21.3M |
毛利率CLOVSFIX
| Q1 26 | — | — | ||
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | 24.5% | 44.6% | ||
| Q2 24 | 30.3% | 45.5% |
营业利润率CLOVSFIX
| Q1 26 | 3.6% | — | ||
| Q4 25 | -10.1% | -2.5% | ||
| Q3 25 | -4.9% | -3.6% | ||
| Q2 25 | -2.2% | -3.0% | ||
| Q1 25 | -0.3% | -2.9% | ||
| Q4 24 | -6.4% | -2.8% | ||
| Q3 24 | -2.7% | -13.1% | ||
| Q2 24 | 2.0% | -7.7% |
净利率CLOVSFIX
| Q1 26 | 3.6% | — | ||
| Q4 25 | -10.1% | -1.9% | ||
| Q3 25 | -4.9% | -2.8% | ||
| Q2 25 | -2.2% | -2.3% | ||
| Q1 25 | -0.3% | -2.1% | ||
| Q4 24 | -6.6% | -2.0% | ||
| Q3 24 | -2.8% | -11.4% | ||
| Q2 24 | 2.1% | -6.6% |
每股收益（稀释后）CLOVSFIX
| Q1 26 | $0.05 | — | ||
| Q4 25 | — | $-0.05 | ||
| Q3 25 | — | $-0.06 | ||
| Q2 25 | — | $-0.06 | ||
| Q1 25 | — | $-0.05 | ||
| Q4 24 | — | $-0.05 | ||
| Q3 24 | — | $-0.29 | ||
| Q2 24 | — | $-0.18 |
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 | $244.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $339.4M | $204.1M |
| 总资产 | $697.7M | $530.7M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CLOVSFIX
| Q1 26 | $177.6M | — | ||
| Q4 25 | $78.3M | $244.2M | ||
| Q3 25 | — | $234.9M | ||
| Q2 25 | — | $234.2M | ||
| Q1 25 | — | $219.1M | ||
| Q4 24 | $194.5M | $253.3M | ||
| Q3 24 | $288.0M | $247.0M | ||
| Q2 24 | $254.8M | $244.5M |
股东权益CLOVSFIX
| Q1 26 | $339.4M | — | ||
| Q4 25 | $308.7M | $204.1M | ||
| Q3 25 | $340.9M | $203.0M | ||
| Q2 25 | $344.2M | $200.4M | ||
| Q1 25 | $336.1M | $197.8M | ||
| Q4 24 | $341.1M | $190.5M | ||
| Q3 24 | $342.2M | $187.0M | ||
| Q2 24 | $324.9M | $208.9M |
总资产CLOVSFIX
| Q1 26 | $697.7M | — | ||
| Q4 25 | $541.0M | $530.7M | ||
| Q3 25 | $559.7M | $480.6M | ||
| Q2 25 | $575.0M | $484.7M | ||
| Q1 25 | $583.7M | $472.6M | ||
| Q4 24 | $580.7M | $507.1M | ||
| Q3 24 | $653.0M | $486.9M | ||
| Q2 24 | $674.2M | $537.0M |
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 | — | $10.9M |
| 自由现金流经营现金流 - 资本支出 | — | $5.6M |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 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 | — | $4.9M |
8季度趋势，按日历期对齐
经营现金流CLOVSFIX
| Q1 26 | — | — | ||
| Q4 25 | $-66.9M | $10.9M | ||
| Q3 25 | $12.1M | $7.0M | ||
| Q2 25 | $5.4M | $20.5M | ||
| Q1 25 | $-16.3M | $-16.2M | ||
| Q4 24 | $34.8M | $14.3M | ||
| Q3 24 | $50.0M | $8.2M | ||
| Q2 24 | $44.8M | $21.7M |
自由现金流CLOVSFIX
| Q1 26 | — | — | ||
| Q4 25 | $-69.0M | $5.6M | ||
| Q3 25 | $11.4M | $2.8M | ||
| Q2 25 | $4.8M | $16.0M | ||
| Q1 25 | $-16.5M | $-19.4M | ||
| Q4 24 | $33.3M | $9.9M | ||
| Q3 24 | $49.6M | $4.5M | ||
| Q2 24 | $44.4M | $18.9M |
自由现金流率CLOVSFIX
| Q1 26 | — | — | ||
| Q4 25 | -14.1% | 1.6% | ||
| Q3 25 | 2.3% | 0.9% | ||
| Q2 25 | 1.0% | 4.9% | ||
| Q1 25 | -3.6% | -6.2% | ||
| Q4 24 | 9.9% | 3.1% | ||
| Q3 24 | 15.0% | 1.4% | ||
| Q2 24 | 12.5% | 5.9% |
资本支出强度CLOVSFIX
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 1.6% | ||
| Q3 25 | 0.1% | 1.4% | ||
| Q2 25 | 0.1% | 1.4% | ||
| Q1 25 | 0.0% | 1.0% | ||
| Q4 24 | 0.5% | 1.4% | ||
| Q3 24 | 0.1% | 1.2% | ||
| Q2 24 | 0.1% | 0.9% |
现金转化率CLOVSFIX
| 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
