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美国国际集团（AIG）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
美国国际集团的季度营收约是Oscar Health, Inc.的730.6倍（$6.5B vs $9.0M）。美国国际集团净利率更高（11.2% vs -3933.2%，领先3944.4%）。美国国际集团同比增速更快（380.9% vs 86.3%）。过去两年Oscar Health, Inc.的营收复合增速更高（26.1% vs -27.8%）
美国国际集团（AIG）是全球知名保险提供商，服务覆盖北美及全球其他地区，面向商业客户、机构客户及个人用户推出多元化保险产品，业务涵盖责任险、财产险、航空航天险、政治风险保险、贸易信用保险、农业保险、海事保险等多个领域，可满足不同客户的风险保障需求。
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。
AIG vs OSCR — 直观对比
营收规模更大
AIG
是对方的730.6倍
$9.0M
营收增速更快
AIG
高出294.6%
86.3%
净利率更高
AIG
高出3944.4%
-3933.2%
两年增速更快
OSCR
近两年复合增速
-27.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $6.5B | $9.0M |
| 净利润 | $735.0M | $-352.6M |
| 毛利率 | — | — |
| 营业利润率 | 10.1% | -3722.8% |
| 净利率 | 11.2% | -3933.2% |
| 营收同比 | 380.9% | 86.3% |
| 净利润同比 | -18.2% | -129.6% |
| 每股收益（稀释后） | $1.36 | $-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AIGOSCR
| Q4 25 | $6.5B | $9.0M | ||
| Q3 25 | $6.4B | $8.8M | ||
| Q2 25 | $7.1B | $6.5M | ||
| Q1 25 | $6.8B | $4.3M | ||
| Q4 24 | $1.4B | $4.8M | ||
| Q3 24 | $6.8B | $4.9M | ||
| Q2 24 | $6.6B | $5.2M | ||
| Q1 24 | $12.6B | $5.6M |
净利润AIGOSCR
| Q4 25 | $735.0M | $-352.6M | ||
| Q3 25 | $519.0M | $-137.4M | ||
| Q2 25 | $1.1B | $-228.4M | ||
| Q1 25 | $698.0M | $275.3M | ||
| Q4 24 | $898.0M | $-153.5M | ||
| Q3 24 | $459.0M | $-54.6M | ||
| Q2 24 | $-4.0B | $56.2M | ||
| Q1 24 | $1.2B | $177.4M |
营业利润率AIGOSCR
| Q4 25 | 10.1% | -3722.8% | ||
| Q3 25 | 11.2% | -1468.6% | ||
| Q2 25 | 21.8% | -3547.5% | ||
| Q1 25 | 14.2% | — | ||
| Q4 24 | 40.6% | -3070.1% | ||
| Q3 24 | 9.6% | -987.4% | ||
| Q2 24 | 9.4% | — | ||
| Q1 24 | 16.3% | — |
净利率AIGOSCR
| Q4 25 | 11.2% | -3933.2% | ||
| Q3 25 | 8.2% | -1561.8% | ||
| Q2 25 | 16.1% | -3514.9% | ||
| Q1 25 | 10.3% | 6357.3% | ||
| Q4 24 | 65.9% | -3190.9% | ||
| Q3 24 | 6.8% | -1114.4% | ||
| Q2 24 | -60.6% | 1074.5% | ||
| Q1 24 | 9.7% | 3148.2% |
每股收益（稀释后）AIGOSCR
| Q4 25 | $1.36 | $-1.19 | ||
| Q3 25 | $0.93 | $-0.53 | ||
| Q2 25 | $1.98 | $-0.89 | ||
| Q1 25 | $1.16 | $0.92 | ||
| Q4 24 | $1.34 | $-0.50 | ||
| Q3 24 | $0.71 | $-0.22 | ||
| Q2 24 | $-5.96 | $0.20 | ||
| Q1 24 | $1.74 | $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 | — | $2.8B |
| 总债务越低越好 | $9.2B | — |
| 股东权益账面价值 | $41.1B | $977.6M |
| 总资产 | $161.3B | $6.3B |
| 负债/权益比越低杠杆越低 | 0.22× | — |
8季度趋势，按日历期对齐
现金及短期投资AIGOSCR
| Q4 25 | — | $2.8B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | — | $2.6B | ||
| Q1 25 | — | $2.2B | ||
| Q4 24 | — | $2.2B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $2.3B | ||
| Q1 24 | — | $2.2B |
总债务AIGOSCR
| Q4 25 | $9.2B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $8.9B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AIGOSCR
| Q4 25 | $41.1B | $977.6M | ||
| Q3 25 | $41.1B | $1.0B | ||
| Q2 25 | $41.5B | $1.2B | ||
| Q1 25 | $41.4B | $1.3B | ||
| Q4 24 | $42.5B | $1.0B | ||
| Q3 24 | $45.0B | $1.2B | ||
| Q2 24 | $44.4B | $1.1B | ||
| Q1 24 | $43.4B | $1.0B |
总资产AIGOSCR
| Q4 25 | $161.3B | $6.3B | ||
| Q3 25 | $163.4B | $5.7B | ||
| Q2 25 | $166.0B | $6.4B | ||
| Q1 25 | $161.9B | $5.8B | ||
| Q4 24 | $161.3B | $4.8B | ||
| Q3 24 | $169.4B | $4.5B | ||
| Q2 24 | $167.9B | $5.0B | ||
| Q1 24 | $544.1B | $4.4B |
负债/权益比AIGOSCR
| Q4 25 | 0.22× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.21× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $636.0M | $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 | 0.87× | — |
| 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AIGOSCR
| Q4 25 | $636.0M | $671.9M | ||
| Q3 25 | $1.3B | $-964.7M | ||
| Q2 25 | $1.4B | $509.1M | ||
| Q1 25 | $-56.0M | $878.5M | ||
| Q4 24 | $125.0M | $346.8M | ||
| Q3 24 | $1.7B | $-500.1M | ||
| Q2 24 | $930.0M | $497.2M | ||
| Q1 24 | $519.0M | $634.4M |
自由现金流AIGOSCR
| 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AIGOSCR
| 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AIGOSCR
| 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AIGOSCR
| Q4 25 | 0.87× | — | ||
| Q3 25 | 2.59× | — | ||
| Q2 25 | 1.22× | — | ||
| Q1 25 | -0.08× | 3.19× | ||
| Q4 24 | 0.14× | — | ||
| Q3 24 | 3.70× | — | ||
| Q2 24 | — | 8.85× | ||
| Q1 24 | 0.43× | 3.58× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
