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美国运通（AXP）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
美国运通的季度营收约是Oscar Health, Inc.的2.1倍（$18.9M vs $9.0M）。美国运通净利率更高（15.7% vs -3933.2%，领先3948.9%）。Oscar Health, Inc.同比增速更快（86.3% vs 11.4%）。过去两年Oscar Health, Inc.的营收复合增速更高（26.1% vs -95.6%）
美国运通是全球知名的支付服务提供商，主营签账卡、信用卡产品及旅行相关服务，下设全球消费者服务、全球商业服务、全球商户与网络服务三大业务板块，还提供支付融资、网络服务、应付账款费用管理、旅行生活服务等多元解决方案。
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。
AXP vs OSCR — 直观对比
营收规模更大
AXP
是对方的2.1倍
$9.0M
营收增速更快
OSCR
高出74.9%
11.4%
净利率更高
AXP
高出3948.9%
-3933.2%
两年增速更快
OSCR
近两年复合增速
-95.6%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $18.9M | $9.0M |
| 净利润 | $3.0M | $-352.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -3722.8% |
| 净利率 | 15.7% | -3933.2% |
| 营收同比 | 11.4% | 86.3% |
| 净利润同比 | 15.0% | -129.6% |
| 每股收益（稀释后） | — | $-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AXPOSCR
| Q1 26 | $18.9M | — | ||
| Q4 25 | $10.9B | $9.0M | ||
| Q3 25 | $10.4B | $8.8M | ||
| Q2 25 | $10.3B | $6.5M | ||
| Q1 25 | $9.6B | $4.3M | ||
| Q4 24 | $10.0B | $4.8M | ||
| Q3 24 | $9.7B | $4.9M | ||
| Q2 24 | $9.8B | $5.2M |
净利润AXPOSCR
| Q1 26 | $3.0M | — | ||
| Q4 25 | $2.5B | $-352.6M | ||
| Q3 25 | $2.9B | $-137.4M | ||
| Q2 25 | $2.9B | $-228.4M | ||
| Q1 25 | $2.6B | $275.3M | ||
| Q4 24 | $2.2B | $-153.5M | ||
| Q3 24 | $2.5B | $-54.6M | ||
| Q2 24 | $3.0B | $56.2M |
营业利润率AXPOSCR
| Q1 26 | — | — | ||
| Q4 25 | 28.2% | -3722.8% | ||
| Q3 25 | 36.7% | -1468.6% | ||
| Q2 25 | 34.4% | -3547.5% | ||
| Q1 25 | 34.6% | — | ||
| Q4 24 | 27.7% | -3070.1% | ||
| Q3 24 | 33.0% | -987.4% | ||
| Q2 24 | 38.6% | — |
净利率AXPOSCR
| Q1 26 | 15.7% | — | ||
| Q4 25 | 22.5% | -3933.2% | ||
| Q3 25 | 27.9% | -1561.8% | ||
| Q2 25 | 28.0% | -3514.9% | ||
| Q1 25 | 26.8% | 6357.3% | ||
| Q4 24 | 21.8% | -3190.9% | ||
| Q3 24 | 25.8% | -1114.4% | ||
| Q2 24 | 30.7% | 1074.5% |
每股收益（稀释后）AXPOSCR
| Q1 26 | — | — | ||
| Q4 25 | $3.52 | $-1.19 | ||
| Q3 25 | $4.14 | $-0.53 | ||
| Q2 25 | $4.08 | $-0.89 | ||
| Q1 25 | $3.64 | $0.92 | ||
| Q4 24 | $3.04 | $-0.50 | ||
| Q3 24 | $3.49 | $-0.22 | ||
| Q2 24 | $4.15 | $0.20 |
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 | $60.4M | — |
| 股东权益账面价值 | $34.0M | $977.6M |
| 总资产 | $308.9M | $6.3B |
| 负债/权益比越低杠杆越低 | 1.78× | — |
8季度趋势，按日历期对齐
现金及短期投资AXPOSCR
| Q1 26 | — | — | ||
| Q4 25 | $742.0M | $2.8B | ||
| Q3 25 | $1.3B | $2.1B | ||
| Q2 25 | $197.0M | $2.6B | ||
| Q1 25 | $261.0M | $2.2B | ||
| Q4 24 | $221.0M | $2.2B | ||
| Q3 24 | $120.0M | $1.2B | ||
| Q2 24 | $188.0M | $2.3B |
总债务AXPOSCR
| Q1 26 | $60.4M | — | ||
| Q4 25 | $56.4B | — | ||
| Q3 25 | $57.8B | — | ||
| Q2 25 | $58.2B | — | ||
| Q1 25 | $51.2B | — | ||
| Q4 24 | $49.7B | — | ||
| Q3 24 | $53.5B | — | ||
| Q2 24 | $51.5B | — |
股东权益AXPOSCR
| Q1 26 | $34.0M | — | ||
| Q4 25 | $33.5B | $977.6M | ||
| Q3 25 | $32.4B | $1.0B | ||
| Q2 25 | $32.3B | $1.2B | ||
| Q1 25 | $31.2B | $1.3B | ||
| Q4 24 | $30.3B | $1.0B | ||
| Q3 24 | $29.7B | $1.2B | ||
| Q2 24 | $29.5B | $1.1B |
总资产AXPOSCR
| Q1 26 | $308.9M | — | ||
| Q4 25 | $300.1B | $6.3B | ||
| Q3 25 | $297.6B | $5.7B | ||
| Q2 25 | $295.6B | $6.4B | ||
| Q1 25 | $282.2B | $5.8B | ||
| Q4 24 | $271.5B | $4.8B | ||
| Q3 24 | $271.0B | $4.5B | ||
| Q2 24 | $272.2B | $5.0B |
负债/权益比AXPOSCR
| Q1 26 | 1.78× | — | ||
| Q4 25 | 1.68× | — | ||
| Q3 25 | 1.78× | — | ||
| Q2 25 | 1.80× | — | ||
| Q1 25 | 1.64× | — | ||
| Q4 24 | 1.64× | — | ||
| Q3 24 | 1.80× | — | ||
| Q2 24 | 1.74× | — |
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 | — | $671.9M |
| 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 | — | — |
| 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AXPOSCR
| Q1 26 | — | — | ||
| Q4 25 | $3.1B | $671.9M | ||
| Q3 25 | $6.2B | $-964.7M | ||
| Q2 25 | $4.4B | $509.1M | ||
| Q1 25 | $4.8B | $878.5M | ||
| Q4 24 | $5.8B | $346.8M | ||
| Q3 24 | $-1.8B | $-500.1M | ||
| Q2 24 | $4.5B | $497.2M |
自由现金流AXPOSCR
| Q1 26 | — | — | ||
| Q4 25 | $2.3B | $662.8M | ||
| Q3 25 | $5.6B | $-973.7M | ||
| Q2 25 | $3.7B | $499.8M | ||
| Q1 25 | $4.3B | $869.5M | ||
| Q4 24 | $5.3B | $340.0M | ||
| Q3 24 | $-2.3B | $-507.7M | ||
| Q2 24 | $4.0B | $489.6M |
自由现金流率AXPOSCR
| Q1 26 | — | — | ||
| Q4 25 | 21.4% | 7393.7% | ||
| Q3 25 | 53.6% | -11063.1% | ||
| Q2 25 | 36.3% | 7692.6% | ||
| Q1 25 | 45.0% | 20081.2% | ||
| Q4 24 | 53.1% | 7065.7% | ||
| Q3 24 | -23.3% | -10363.5% | ||
| Q2 24 | 40.4% | 9359.4% |
资本支出强度AXPOSCR
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | 101.1% | ||
| Q3 25 | 6.3% | 102.3% | ||
| Q2 25 | 6.0% | 142.8% | ||
| Q1 25 | 4.5% | 208.5% | ||
| Q4 24 | 5.0% | 141.7% | ||
| Q3 24 | 4.7% | 154.4% | ||
| Q2 24 | 5.8% | 144.6% |
现金转化率AXPOSCR
| Q1 26 | — | — | ||
| Q4 25 | 1.25× | — | ||
| Q3 25 | 2.15× | — | ||
| Q2 25 | 1.51× | — | ||
| Q1 25 | 1.84× | 3.19× | ||
| Q4 24 | 2.66× | — | ||
| Q3 24 | -0.72× | — | ||
| Q2 24 | 1.50× | 8.85× |
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
AXP
| Discount revenue | $9.5M | 50% |
| Other | $8.9M | 47% |
| Deposits with banks and other | $512.0K | 3% |
OSCR
暂无分部数据
