vs
Aflac（AFL）与Oscar Health, Inc.（OSCR）财务数据对比。点击上方公司名可切换其他公司
Aflac的季度营收约是Oscar Health, Inc.的542.8倍（$4.9B vs $9.0M）。Aflac净利率更高（28.3% vs -3933.2%，领先3961.5%）。Oscar Health, Inc.同比增速更快（86.3% vs -10.0%）。过去两年Oscar Health, Inc.的营收复合增速更高（26.1% vs -5.4%）
Aflac是美国知名保险企业，也是美国最大的补充保险提供商，成立于1955年，总部位于佐治亚州哥伦布市。公司在美国推出多类保险产品，其中薪资抵扣型保险服务知名度较高，参保人遭遇保障范围内的意外或疾病时可获现金赔付，目前已为全球超5000万用户提供财务保障。
奥斯卡健康（Oscar Health, Inc.）是美国营利性健康保险公司，2012年由约书亚·库什纳、凯文·纳泽米与马里奥·施洛瑟联合创立，总部设于纽约市。公司深耕健康保险领域，依托远程医疗、医疗专属技术界面及透明的理赔定价体系，帮助患者更便捷地享受医疗相关服务。
AFL vs OSCR — 直观对比
营收规模更大
AFL
是对方的542.8倍
$9.0M
营收增速更快
OSCR
高出96.3%
-10.0%
净利率更高
AFL
高出3961.5%
-3933.2%
两年增速更快
OSCR
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $9.0M |
| 净利润 | $1.4B | $-352.6M |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | -3722.8% |
| 净利率 | 28.3% | -3933.2% |
| 营收同比 | -10.0% | 86.3% |
| 净利润同比 | -27.5% | -129.6% |
| 每股收益（稀释后） | $2.58 | $-1.19 |
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AFLOSCR
| Q4 25 | $4.9B | $9.0M | ||
| Q3 25 | $4.7B | $8.8M | ||
| Q2 25 | $4.2B | $6.5M | ||
| Q1 25 | $3.4B | $4.3M | ||
| Q4 24 | $5.4B | $4.8M | ||
| Q3 24 | $2.9B | $4.9M | ||
| Q2 24 | $5.1B | $5.2M | ||
| Q1 24 | $5.4B | $5.6M |
净利润AFLOSCR
| Q4 25 | $1.4B | $-352.6M | ||
| Q3 25 | $1.6B | $-137.4M | ||
| Q2 25 | $599.0M | $-228.4M | ||
| Q1 25 | $29.0M | $275.3M | ||
| Q4 24 | $1.9B | $-153.5M | ||
| Q3 24 | $-93.0M | $-54.6M | ||
| Q2 24 | $1.8B | $56.2M | ||
| Q1 24 | $1.9B | $177.4M |
营业利润率AFLOSCR
| Q4 25 | 32.3% | -3722.8% | ||
| Q3 25 | 42.1% | -1468.6% | ||
| Q2 25 | 19.8% | -3547.5% | ||
| Q1 25 | 4.3% | — | ||
| Q4 24 | 39.5% | -3070.1% | ||
| Q3 24 | 3.1% | -987.4% | ||
| Q2 24 | 39.3% | — | ||
| Q1 24 | 39.9% | — |
净利率AFLOSCR
| Q4 25 | 28.3% | -3933.2% | ||
| Q3 25 | 34.6% | -1561.8% | ||
| Q2 25 | 14.4% | -3514.9% | ||
| Q1 25 | 0.9% | 6357.3% | ||
| Q4 24 | 35.2% | -3190.9% | ||
| Q3 24 | -3.2% | -1114.4% | ||
| Q2 24 | 34.2% | 1074.5% | ||
| Q1 24 | 34.6% | 3148.2% |
每股收益（稀释后）AFLOSCR
| Q4 25 | $2.58 | $-1.19 | ||
| Q3 25 | $3.08 | $-0.53 | ||
| Q2 25 | $1.11 | $-0.89 | ||
| Q1 25 | $0.05 | $0.92 | ||
| Q4 24 | $3.45 | $-0.50 | ||
| Q3 24 | $-0.17 | $-0.22 | ||
| Q2 24 | $3.10 | $0.20 | ||
| Q1 24 | $3.25 | $0.62 |
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 | $6.2B | $2.8B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $29.5B | $977.6M |
| 总资产 | $116.5B | $6.3B |
| 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AFLOSCR
| Q4 25 | $6.2B | $2.8B | ||
| Q3 25 | $6.8B | $2.1B | ||
| Q2 25 | $7.0B | $2.6B | ||
| Q1 25 | $5.2B | $2.2B | ||
| Q4 24 | $6.2B | $2.2B | ||
| Q3 24 | $5.6B | $1.2B | ||
| Q2 24 | $6.1B | $2.3B | ||
| Q1 24 | $5.1B | $2.2B |
股东权益AFLOSCR
| Q4 25 | $29.5B | $977.6M | ||
| Q3 25 | $28.7B | $1.0B | ||
| Q2 25 | $27.2B | $1.2B | ||
| Q1 25 | $26.3B | $1.3B | ||
| Q4 24 | $26.1B | $1.0B | ||
| Q3 24 | $24.8B | $1.2B | ||
| Q2 24 | $26.0B | $1.1B | ||
| Q1 24 | $23.5B | $1.0B |
总资产AFLOSCR
| Q4 25 | $116.5B | $6.3B | ||
| Q3 25 | $122.3B | $5.7B | ||
| Q2 25 | $124.7B | $6.4B | ||
| Q1 25 | $120.3B | $5.8B | ||
| Q4 24 | $117.6B | $4.8B | ||
| Q3 24 | $128.4B | $4.5B | ||
| Q2 24 | $120.2B | $5.0B | ||
| Q1 24 | $124.7B | $4.4B |
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 | $315.0M | $671.9M |
| 自由现金流经营现金流 - 资本支出 | — | $662.8M |
| 自由现金流率自由现金流/营收 | — | 7393.7% |
| 资本支出强度资本支出/营收 | — | 101.1% |
| 现金转化率经营现金流/净利润 | 0.23× | — |
| 过去12个月自由现金流最近4个季度 | — | $1.1B |
8季度趋势，按日历期对齐
经营现金流AFLOSCR
| Q4 25 | $315.0M | $671.9M | ||
| Q3 25 | $1.3B | $-964.7M | ||
| Q2 25 | $399.0M | $509.1M | ||
| Q1 25 | $589.0M | $878.5M | ||
| Q4 24 | $333.0M | $346.8M | ||
| Q3 24 | $1.3B | $-500.1M | ||
| Q2 24 | $255.0M | $497.2M | ||
| Q1 24 | $849.0M | $634.4M |
自由现金流AFLOSCR
| Q4 25 | — | $662.8M | ||
| Q3 25 | — | $-973.7M | ||
| Q2 25 | — | $499.8M | ||
| Q1 25 | — | $869.5M | ||
| Q4 24 | — | $340.0M | ||
| Q3 24 | — | $-507.7M | ||
| Q2 24 | — | $489.6M | ||
| Q1 24 | — | $628.4M |
自由现金流率AFLOSCR
| Q4 25 | — | 7393.7% | ||
| Q3 25 | — | -11063.1% | ||
| Q2 25 | — | 7692.6% | ||
| Q1 25 | — | 20081.2% | ||
| Q4 24 | — | 7065.7% | ||
| Q3 24 | — | -10363.5% | ||
| Q2 24 | — | 9359.4% | ||
| Q1 24 | — | 11153.9% |
资本支出强度AFLOSCR
| Q4 25 | — | 101.1% | ||
| Q3 25 | — | 102.3% | ||
| Q2 25 | — | 142.8% | ||
| Q1 25 | — | 208.5% | ||
| Q4 24 | — | 141.7% | ||
| Q3 24 | — | 154.4% | ||
| Q2 24 | — | 144.6% | ||
| Q1 24 | — | 105.6% |
现金转化率AFLOSCR
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.76× | — | ||
| Q2 25 | 0.67× | — | ||
| Q1 25 | 20.31× | 3.19× | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.15× | 8.85× | ||
| Q1 24 | 0.45× | 3.58× |
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
AFL
| Aflac Japan | $2.3B | 47% |
| Aflac US | $1.7B | 35% |
| Other | $862.0M | 18% |
OSCR
暂无分部数据
