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信诺（CI）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
信诺的季度营收约是Oscar Health, Inc.的8083.9倍（$72.5B vs $9.0M）。信诺净利率更高（1.8% vs -3933.2%，领先3935.0%）。Oscar Health, Inc.同比增速更快（86.3% vs 10.4%）。过去两年Oscar Health, Inc.的营收复合增速更高（26.1% vs 12.5%）
信诺集团是总部位于美国康涅狄格州布卢姆菲尔德的跨国营利性医疗管理及保险企业。旗下保险子公司主营医疗、牙科、失能、人寿、意外保险及相关产品服务，多数产品通过雇主及其他团体渠道销售。
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。
CI vs OSCR — 直观对比
营收规模更大
CI
是对方的8083.9倍
$9.0M
营收增速更快
OSCR
高出75.9%
10.4%
净利率更高
CI
高出3935.0%
-3933.2%
两年增速更快
OSCR
近两年复合增速
12.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $72.5B | $9.0M |
| 净利润 | $1.3B | $-352.6M |
| 毛利率 | 20.3% | — |
| 营业利润率 | 3.2% | -3722.8% |
| 净利率 | 1.8% | -3933.2% |
| 营收同比 | 10.4% | 86.3% |
| 净利润同比 | -17.1% | -129.6% |
| 每股收益（稀释后） | $4.64 | $-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CIOSCR
| Q4 25 | $72.5B | $9.0M | ||
| Q3 25 | $69.7B | $8.8M | ||
| Q2 25 | $67.2B | $6.5M | ||
| Q1 25 | $65.5B | $4.3M | ||
| Q4 24 | $65.6B | $4.8M | ||
| Q3 24 | $63.7B | $4.9M | ||
| Q2 24 | $60.5B | $5.2M | ||
| Q1 24 | $57.3B | $5.6M |
净利润CIOSCR
| Q4 25 | $1.3B | $-352.6M | ||
| Q3 25 | $2.0B | $-137.4M | ||
| Q2 25 | $1.6B | $-228.4M | ||
| Q1 25 | $1.4B | $275.3M | ||
| Q4 24 | $1.5B | $-153.5M | ||
| Q3 24 | $825.0M | $-54.6M | ||
| Q2 24 | $1.6B | $56.2M | ||
| Q1 24 | $-212.0M | $177.4M |
毛利率CIOSCR
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.4% | — | ||
| Q2 25 | 20.7% | — | ||
| Q1 25 | 26.1% | — | ||
| Q4 24 | 25.3% | — | ||
| Q3 24 | 25.3% | — | ||
| Q2 24 | 26.5% | — | ||
| Q1 24 | 27.6% | — |
营业利润率CIOSCR
| Q4 25 | 3.2% | -3722.8% | ||
| Q3 25 | 3.7% | -1468.6% | ||
| Q2 25 | 3.4% | -3547.5% | ||
| Q1 25 | 3.0% | — | ||
| Q4 24 | 3.3% | -3070.1% | ||
| Q3 24 | 4.0% | -987.4% | ||
| Q2 24 | 4.0% | — | ||
| Q1 24 | 3.9% | — |
净利率CIOSCR
| Q4 25 | 1.8% | -3933.2% | ||
| Q3 25 | 2.8% | -1561.8% | ||
| Q2 25 | 2.4% | -3514.9% | ||
| Q1 25 | 2.2% | 6357.3% | ||
| Q4 24 | 2.3% | -3190.9% | ||
| Q3 24 | 1.3% | -1114.4% | ||
| Q2 24 | 2.7% | 1074.5% | ||
| Q1 24 | -0.4% | 3148.2% |
每股收益（稀释后）CIOSCR
| Q4 25 | $4.64 | $-1.19 | ||
| Q3 25 | $6.98 | $-0.53 | ||
| Q2 25 | $5.71 | $-0.89 | ||
| Q1 25 | $4.85 | $0.92 | ||
| Q4 24 | $5.01 | $-0.50 | ||
| Q3 24 | $2.63 | $-0.22 | ||
| Q2 24 | $5.45 | $0.20 | ||
| Q1 24 | $-0.97 | $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 | $8.7B | $2.8B |
| 总债务越低越好 | $30.9B | — |
| 股东权益账面价值 | $41.7B | $977.6M |
| 总资产 | $157.9B | $6.3B |
| 负债/权益比越低杠杆越低 | 0.74× | — |
8季度趋势，按日历期对齐
现金及短期投资CIOSCR
| Q4 25 | $8.7B | $2.8B | ||
| Q3 25 | $6.9B | $2.1B | ||
| Q2 25 | $5.1B | $2.6B | ||
| Q1 25 | $9.1B | $2.2B | ||
| Q4 24 | $8.2B | $2.2B | ||
| Q3 24 | $6.8B | $1.2B | ||
| Q2 24 | $7.9B | $2.3B | ||
| Q1 24 | $9.5B | $2.2B |
总债务CIOSCR
| Q4 25 | $30.9B | — | ||
| Q3 25 | $30.9B | — | ||
| Q2 25 | $26.5B | — | ||
| Q1 25 | $26.5B | — | ||
| Q4 24 | $28.9B | — | ||
| Q3 24 | $30.2B | — | ||
| Q2 24 | $30.2B | — | ||
| Q1 24 | $31.1B | — |
股东权益CIOSCR
| Q4 25 | $41.7B | $977.6M | ||
| Q3 25 | $41.8B | $1.0B | ||
| Q2 25 | $40.2B | $1.2B | ||
| Q1 25 | $40.2B | $1.3B | ||
| Q4 24 | $41.0B | $1.0B | ||
| Q3 24 | $42.1B | $1.2B | ||
| Q2 24 | $41.3B | $1.1B | ||
| Q1 24 | $41.2B | $1.0B |
总资产CIOSCR
| Q4 25 | $157.9B | $6.3B | ||
| Q3 25 | $157.9B | $5.7B | ||
| Q2 25 | $151.7B | $6.4B | ||
| Q1 25 | $150.7B | $5.8B | ||
| Q4 24 | $155.9B | $4.8B | ||
| Q3 24 | $157.6B | $4.5B | ||
| Q2 24 | $155.4B | $5.0B | ||
| Q1 24 | $153.1B | $4.4B |
负债/权益比CIOSCR
| Q4 25 | 0.74× | — | ||
| Q3 25 | 0.74× | — | ||
| Q2 25 | 0.66× | — | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.71× | — | ||
| Q3 24 | 0.72× | — | ||
| Q2 24 | 0.73× | — | ||
| Q1 24 | 0.75× | — |
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 | $6.1B | $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 | 4.83× | — |
| 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CIOSCR
| Q4 25 | $6.1B | $671.9M | ||
| Q3 25 | $3.4B | $-964.7M | ||
| Q2 25 | $-1.9B | $509.1M | ||
| Q1 25 | $1.9B | $878.5M | ||
| Q4 24 | $5.2B | $346.8M | ||
| Q3 24 | $46.0M | $-500.1M | ||
| Q2 24 | $265.0M | $497.2M | ||
| Q1 24 | $4.8B | $634.4M |
自由现金流CIOSCR
| 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CIOSCR
| 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CIOSCR
| 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CIOSCR
| Q4 25 | 4.83× | — | ||
| Q3 25 | 1.73× | — | ||
| Q2 25 | -1.16× | — | ||
| Q1 25 | 1.36× | 3.19× | ||
| Q4 24 | 3.39× | — | ||
| Q3 24 | 0.06× | — | ||
| Q2 24 | 0.16× | 8.85× | ||
| Q1 24 | — | 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
CI
| Network Pharmacy | $34.3B | 47% |
| Home Delivery And Specialty | $21.1B | 29% |
| Cigna Healthcare | $9.4B | 13% |
| Services | $4.5B | 6% |
| Other Pharmacy | $3.4B | 5% |
| Service Other | $144.0M | 0% |
OSCR
暂无分部数据
