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Humana（HUM）与克罗格（KR）财务数据对比。点击上方公司名可切换其他公司
克罗格的季度营收约是Humana的1.0倍（$33.9B vs $32.5B），Humana净利率更高（-2.4% vs -3.9%，领先1.5%），Humana同比增速更快（11.3% vs 0.7%），克罗格自由现金流更多（$29.0M vs $-1.9B）
Humana是总部位于美国肯塔基州路易斯维尔的营利性健康保险企业，为美国第四大健康保险服务商。2024年该公司位列《财富》美国500强第92位，是肯塔基州上榜企业中排名最高的一家。
克罗格（Kroger）是总部位于美国俄亥俄州辛辛那提的大型零售企业，作为美国本土知名零售运营商，其业务覆盖全美各地的连锁超市及综合百货门店，为消费者提供生鲜食品、日用杂货等丰富的零售服务。
HUM vs KR — 直观对比
营收规模更大
KR
是对方的1.0倍
$32.5B
营收增速更快
HUM
高出10.6%
0.7%
净利率更高
HUM
高出1.5%
-3.9%
自由现金流更多
KR
多$1.9B
$-1.9B
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $32.5B | $33.9B |
| 净利润 | $-796.0M | $-1.3B |
| 毛利率 | — | — |
| 营业利润率 | -2.5% | -4.6% |
| 净利率 | -2.4% | -3.9% |
| 营收同比 | 11.3% | 0.7% |
| 净利润同比 | -14.9% | -313.6% |
| 每股收益（稀释后） | $-6.59 | $-2.02 |
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HUMKR
| Q4 25 | $32.5B | $33.9B | ||
| Q3 25 | $32.6B | $33.9B | ||
| Q2 25 | $32.4B | $45.1B | ||
| Q1 25 | $32.1B | $34.3B | ||
| Q4 24 | $29.2B | — | ||
| Q3 24 | $29.4B | — | ||
| Q2 24 | $29.5B | — | ||
| Q1 24 | $29.6B | — |
净利润HUMKR
| Q4 25 | $-796.0M | $-1.3B | ||
| Q3 25 | $195.0M | $609.0M | ||
| Q2 25 | $545.0M | $866.0M | ||
| Q1 25 | $1.2B | $634.0M | ||
| Q4 24 | $-693.0M | — | ||
| Q3 24 | $480.0M | — | ||
| Q2 24 | $679.0M | — | ||
| Q1 24 | $741.0M | — |
营业利润率HUMKR
| Q4 25 | -2.5% | -4.6% | ||
| Q3 25 | 1.2% | 2.5% | ||
| Q2 25 | 3.4% | 2.9% | ||
| Q1 25 | 6.3% | 2.7% | ||
| Q4 24 | -1.9% | — | ||
| Q3 24 | 2.5% | — | ||
| Q2 24 | 3.9% | — | ||
| Q1 24 | 4.2% | — |
净利率HUMKR
| Q4 25 | -2.4% | -3.9% | ||
| Q3 25 | 0.6% | 1.8% | ||
| Q2 25 | 1.7% | 1.9% | ||
| Q1 25 | 3.9% | 1.8% | ||
| Q4 24 | -2.4% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 2.3% | — | ||
| Q1 24 | 2.5% | — |
每股收益（稀释后）HUMKR
| Q4 25 | $-6.59 | $-2.02 | ||
| Q3 25 | $1.62 | $0.91 | ||
| Q2 25 | $4.51 | $1.29 | ||
| Q1 25 | $10.30 | $0.90 | ||
| Q4 24 | $-5.73 | — | ||
| Q3 24 | $3.98 | — | ||
| Q2 24 | $5.62 | — | ||
| Q1 24 | $6.11 | — |
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 | $19.9B | $4.0B |
| 总债务越低越好 | — | $16.0B |
| 股东权益账面价值 | $17.7B | $7.0B |
| 总资产 | $48.9B | $51.4B |
| 负债/权益比越低杠杆越低 | — | 2.27× |
8季度趋势，按日历期对齐
现金及短期投资HUMKR
| Q4 25 | $19.9B | $4.0B | ||
| Q3 25 | $22.1B | $4.9B | ||
| Q2 25 | $21.7B | $4.7B | ||
| Q1 25 | $22.1B | $4.0B | ||
| Q4 24 | $20.4B | — | ||
| Q3 24 | $24.1B | — | ||
| Q2 24 | $22.9B | — | ||
| Q1 24 | $22.6B | — |
总债务HUMKR
| Q4 25 | — | $16.0B | ||
| Q3 25 | — | $15.9B | ||
| Q2 25 | — | $15.9B | ||
| Q1 25 | — | $15.9B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益HUMKR
| Q4 25 | $17.7B | $7.0B | ||
| Q3 25 | $18.5B | $9.3B | ||
| Q2 25 | $18.2B | $8.9B | ||
| Q1 25 | $17.8B | $8.3B | ||
| Q4 24 | $16.4B | — | ||
| Q3 24 | $17.6B | — | ||
| Q2 24 | $16.7B | — | ||
| Q1 24 | $16.1B | — |
总资产HUMKR
| Q4 25 | $48.9B | $51.4B | ||
| Q3 25 | $49.7B | $53.6B | ||
| Q2 25 | $50.4B | $53.2B | ||
| Q1 25 | $50.9B | $52.6B | ||
| Q4 24 | $46.5B | — | ||
| Q3 24 | $50.0B | — | ||
| Q2 24 | $50.1B | — | ||
| Q1 24 | $50.1B | — |
负债/权益比HUMKR
| Q4 25 | — | 2.27× | ||
| Q3 25 | — | 1.72× | ||
| Q2 25 | — | 1.79× | ||
| Q1 25 | — | 1.92× | ||
| Q4 24 | — | — | ||
| 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 | $-1.7B | $970.0M |
| 自由现金流经营现金流 - 资本支出 | $-1.9B | $29.0M |
| 自由现金流率自由现金流/营收 | -5.7% | 0.1% |
| 资本支出强度资本支出/营收 | 0.6% | 2.8% |
| 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 | $375.0M | $2.3B |
8季度趋势，按日历期对齐
经营现金流HUMKR
| Q4 25 | $-1.7B | $970.0M | ||
| Q3 25 | $971.0M | $1.5B | ||
| Q2 25 | $1.3B | $2.1B | ||
| Q1 25 | $331.0M | $1.4B | ||
| Q4 24 | $-528.0M | — | ||
| Q3 24 | $1.9B | — | ||
| Q2 24 | $1.2B | — | ||
| Q1 24 | $423.0M | — |
自由现金流HUMKR
| Q4 25 | $-1.9B | $29.0M | ||
| Q3 25 | $836.0M | $615.0M | ||
| Q2 25 | $1.2B | $1.1B | ||
| Q1 25 | $236.0M | $520.0M | ||
| Q4 24 | $-682.0M | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.1B | — | ||
| Q1 24 | $246.0M | — |
自由现金流率HUMKR
| Q4 25 | -5.7% | 0.1% | ||
| Q3 25 | 2.6% | 1.8% | ||
| Q2 25 | 3.6% | 2.4% | ||
| Q1 25 | 0.7% | 1.5% | ||
| Q4 24 | -2.3% | — | ||
| Q3 24 | 5.9% | — | ||
| Q2 24 | 3.7% | — | ||
| Q1 24 | 0.8% | — |
资本支出强度HUMKR
| Q4 25 | 0.6% | 2.8% | ||
| Q3 25 | 0.4% | 2.7% | ||
| Q2 25 | 0.4% | 2.3% | ||
| Q1 25 | 0.3% | 2.6% | ||
| Q4 24 | 0.5% | — | ||
| Q3 24 | 0.4% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 0.6% | — |
现金转化率HUMKR
| Q4 25 | — | — | ||
| Q3 25 | 4.98× | 2.53× | ||
| Q2 25 | 2.33× | 2.48× | ||
| Q1 25 | 0.27× | 2.21× | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.87× | — | ||
| Q2 24 | 1.79× | — | ||
| Q1 24 | 0.57× | — |
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
HUM
| Insurance Segment | $31.3B | 96% |
| Other | $880.0M | 3% |
| Services | $292.0M | 1% |
KR
暂无分部数据
