vs
Assurant（AIZ）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
Assurant的季度营收约是Oscar Health, Inc.的1.2倍（$3.4B vs $2.8B），Assurant净利率更高（6.7% vs -3933.2%，领先3939.9%），Oscar Health, Inc.同比增速更快（17.3% vs 7.9%），Oscar Health, Inc.自由现金流更多（$1.1B vs $611.7M），过去两年Oscar Health, Inc.的营收复合增速更高（14.4% vs 7.9%）
Assurant Inc.是总部位于美国亚特兰大的全球化风险管理产品及服务供应商，旗下业务覆盖财产意外险、电子设备延保、预售丧葬险等多个细分领域的特色保险产品，核心运营板块分为全球住房业务和全球生活方式业务两大板块。
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。
AIZ vs OSCR — 直观对比
营收规模更大
AIZ
是对方的1.2倍
$2.8B
营收增速更快
OSCR
高出9.3%
7.9%
净利率更高
AIZ
高出3939.9%
-3933.2%
自由现金流更多
OSCR
多$446.8M
$611.7M
两年增速更快
OSCR
近两年复合增速
7.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $2.8B |
| 净利润 | $225.2M | $-352.6M |
| 毛利率 | — | — |
| 营业利润率 | 8.5% | -3722.8% |
| 净利率 | 6.7% | -3933.2% |
| 营收同比 | 7.9% | 17.3% |
| 净利润同比 | 11.9% | -129.6% |
| 每股收益（稀释后） | $4.37 | $-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AIZOSCR
| Q4 25 | $3.4B | $2.8B | ||
| Q3 25 | $3.2B | $3.0B | ||
| Q2 25 | $3.2B | $2.9B | ||
| Q1 25 | $3.1B | $3.0B | ||
| Q4 24 | $3.1B | $2.4B | ||
| Q3 24 | $3.0B | $2.4B | ||
| Q2 24 | $2.9B | $2.2B | ||
| Q1 24 | $2.9B | $2.1B |
净利润AIZOSCR
| Q4 25 | $225.2M | $-352.6M | ||
| Q3 25 | $265.6M | $-137.4M | ||
| Q2 25 | $235.3M | $-228.4M | ||
| Q1 25 | $146.6M | $275.3M | ||
| Q4 24 | $201.3M | $-153.5M | ||
| Q3 24 | $133.8M | $-54.6M | ||
| Q2 24 | $188.7M | $56.2M | ||
| Q1 24 | $236.4M | $177.4M |
营业利润率AIZOSCR
| Q4 25 | 8.5% | -3722.8% | ||
| Q3 25 | 10.2% | -4.3% | ||
| Q2 25 | 9.2% | -8.0% | ||
| Q1 25 | 6.0% | 9.8% | ||
| Q4 24 | 8.1% | -3070.1% | ||
| Q3 24 | 5.1% | -2.0% | ||
| Q2 24 | 8.0% | 3.1% | ||
| Q1 24 | 10.2% | 8.7% |
净利率AIZOSCR
| Q4 25 | 6.7% | -3933.2% | ||
| Q3 25 | 8.2% | -4.6% | ||
| Q2 25 | 7.4% | -8.0% | ||
| Q1 25 | 4.8% | 9.0% | ||
| Q4 24 | 6.5% | -3190.9% | ||
| Q3 24 | 4.5% | -2.3% | ||
| Q2 24 | 6.5% | 2.5% | ||
| Q1 24 | 8.2% | 8.3% |
每股收益（稀释后）AIZOSCR
| Q4 25 | $4.37 | $-1.19 | ||
| Q3 25 | $5.17 | $-0.53 | ||
| Q2 25 | $4.56 | $-0.89 | ||
| Q1 25 | $2.83 | $0.92 | ||
| Q4 24 | $3.86 | $-0.50 | ||
| Q3 24 | $2.55 | $-0.22 | ||
| Q2 24 | $3.58 | $0.20 | ||
| Q1 24 | $4.47 | $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 | $1.8B | $2.8B |
| 总债务越低越好 | — | $430.1M |
| 股东权益账面价值 | $5.9B | $977.6M |
| 总资产 | $36.3B | $6.3B |
| 负债/权益比越低杠杆越低 | — | 0.44× |
8季度趋势，按日历期对齐
现金及短期投资AIZOSCR
| Q4 25 | $1.8B | $2.8B | ||
| Q3 25 | $1.7B | $2.1B | ||
| Q2 25 | $1.5B | $2.6B | ||
| Q1 25 | $1.7B | $2.2B | ||
| Q4 24 | $1.8B | $2.2B | ||
| Q3 24 | $1.8B | $1.2B | ||
| Q2 24 | $1.7B | $2.3B | ||
| Q1 24 | $1.3B | $2.2B |
总债务AIZOSCR
| Q4 25 | — | $430.1M | ||
| Q3 25 | — | $686.3M | ||
| Q2 25 | — | $299.9M | ||
| Q1 25 | — | $299.7M | ||
| Q4 24 | — | $299.6M | ||
| Q3 24 | — | $299.4M | ||
| Q2 24 | — | $299.2M | ||
| Q1 24 | — | $299.0M |
股东权益AIZOSCR
| Q4 25 | $5.9B | $977.6M | ||
| Q3 25 | $5.8B | $1.0B | ||
| Q2 25 | $5.5B | $1.2B | ||
| Q1 25 | $5.2B | $1.3B | ||
| Q4 24 | $5.1B | $1.0B | ||
| Q3 24 | $5.3B | $1.2B | ||
| Q2 24 | $5.0B | $1.1B | ||
| Q1 24 | $4.9B | $1.0B |
总资产AIZOSCR
| Q4 25 | $36.3B | $6.3B | ||
| Q3 25 | $35.8B | $5.7B | ||
| Q2 25 | $35.5B | $6.4B | ||
| Q1 25 | $35.0B | $5.8B | ||
| Q4 24 | $35.0B | $4.8B | ||
| Q3 24 | $35.3B | $4.5B | ||
| Q2 24 | $33.8B | $5.0B | ||
| Q1 24 | $33.2B | $4.4B |
负债/权益比AIZOSCR
| Q4 25 | — | 0.44× | ||
| Q3 25 | — | 0.67× | ||
| Q2 25 | — | 0.26× | ||
| Q1 25 | — | 0.22× | ||
| Q4 24 | — | 0.30× | ||
| Q3 24 | — | 0.26× | ||
| Q2 24 | — | 0.26× | ||
| Q1 24 | — | 0.29× |
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 | $671.0M | $1.1B |
| 自由现金流经营现金流 - 资本支出 | $611.7M | $1.1B |
| 自由现金流率自由现金流/营收 | 18.3% | 37.7% |
| 资本支出强度资本支出/营收 | 1.8% | 1.3% |
| 现金转化率经营现金流/净利润 | 2.98× | — |
| 过去12个月自由现金流最近4个季度 | $1.6B | $1.5B |
8季度趋势，按日历期对齐
经营现金流AIZOSCR
| Q4 25 | $671.0M | $1.1B | ||
| Q3 25 | $505.0M | $-964.7M | ||
| Q2 25 | $265.5M | $509.1M | ||
| Q1 25 | $392.4M | $878.5M | ||
| Q4 24 | $102.8M | $978.2M | ||
| Q3 24 | $436.5M | $-500.1M | ||
| Q2 24 | $710.9M | $497.2M | ||
| Q1 24 | $82.5M | $634.4M |
自由现金流AIZOSCR
| Q4 25 | $611.7M | $1.1B | ||
| Q3 25 | $442.1M | $-973.7M | ||
| Q2 25 | $205.6M | $499.8M | ||
| Q1 25 | $339.0M | $869.5M | ||
| Q4 24 | $34.8M | $950.3M | ||
| Q3 24 | $389.4M | $-507.7M | ||
| Q2 24 | $655.5M | $489.6M | ||
| Q1 24 | $31.7M | $628.4M |
自由现金流率AIZOSCR
| Q4 25 | 18.3% | 37.7% | ||
| Q3 25 | 13.7% | -32.6% | ||
| Q2 25 | 6.5% | 17.5% | ||
| Q1 25 | 11.0% | 28.5% | ||
| Q4 24 | 1.1% | 39.7% | ||
| Q3 24 | 13.1% | -20.9% | ||
| Q2 24 | 22.4% | 22.1% | ||
| Q1 24 | 1.1% | 29.3% |
资本支出强度AIZOSCR
| Q4 25 | 1.8% | 1.3% | ||
| Q3 25 | 1.9% | 0.3% | ||
| Q2 25 | 1.9% | 0.3% | ||
| Q1 25 | 1.7% | 0.3% | ||
| Q4 24 | 2.2% | 1.2% | ||
| Q3 24 | 1.6% | 0.3% | ||
| Q2 24 | 1.9% | 0.3% | ||
| Q1 24 | 1.8% | 0.3% |
现金转化率AIZOSCR
| Q4 25 | 2.98× | — | ||
| Q3 25 | 1.90× | — | ||
| Q2 25 | 1.13× | — | ||
| Q1 25 | 2.68× | 3.19× | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 3.26× | — | ||
| Q2 24 | 3.77× | 8.85× | ||
| Q1 24 | 0.35× | 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
AIZ
| Global Lifestyle | $2.6B | 78% |
| Global Housing | $749.1M | 22% |
| Service Contracts And Sales | $34.5M | 1% |
OSCR
暂无分部数据
