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Life360, Inc.（LIF）与OCTAVE SPECIALTY GROUP INC（OSG）财务数据对比。点击上方公司名可切换其他公司
Life360, Inc.的季度营收约是OCTAVE SPECIALTY GROUP INC的1.4倍（$146.0M vs $104.2M），Life360, Inc.净利率更高（88.8% vs -6.6%，领先95.4%），OCTAVE SPECIALTY GROUP INC同比增速更快（66.0% vs 26.4%），过去两年OCTAVE SPECIALTY GROUP INC的营收复合增速更高（42.9% vs 36.6%）
Life360是一家主打家庭安全与互联服务的科技企业，核心产品涵盖实时位置共享、紧急求助预警、驾驶行为分析及身份防盗保护服务，主要面向北美、欧洲、亚太消费市场，营收大多来自其分级付费订阅套餐。
奥克塔夫专业集团是一家专业保险控股企业，主营定制化财产与意外伤害保险产品，核心业务聚焦超额剩余保险领域，为北美地区的商业及个人客户提供定制化风险保障解决方案。
LIF vs OSG — 直观对比
营收规模更大
LIF
是对方的1.4倍
$104.2M
营收增速更快
OSG
高出39.6%
26.4%
净利率更高
LIF
高出95.4%
-6.6%
两年增速更快
OSG
近两年复合增速
36.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $146.0M | $104.2M |
| 净利润 | $129.7M | $-6.9M |
| 毛利率 | 75.1% | — |
| 营业利润率 | 6.1% | — |
| 净利率 | 88.8% | -6.6% |
| 营收同比 | 26.4% | 66.0% |
| 净利润同比 | 1425.9% | — |
| 每股收益（稀释后） | $1.53 | $-0.13 |
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LIFOSG
| Q1 26 | — | $104.2M | ||
| Q4 25 | $146.0M | $66.9M | ||
| Q3 25 | $124.5M | $66.6M | ||
| Q2 25 | $115.4M | $55.0M | ||
| Q1 25 | $103.6M | $62.8M | ||
| Q4 24 | $115.5M | $65.2M | ||
| Q3 24 | $92.9M | $70.0M | ||
| Q2 24 | $84.9M | $51.0M |
净利润LIFOSG
| Q1 26 | — | $-6.9M | ||
| Q4 25 | $129.7M | $-29.7M | ||
| Q3 25 | $9.8M | $-112.6M | ||
| Q2 25 | $7.0M | $-72.7M | ||
| Q1 25 | $4.4M | $-44.7M | ||
| Q4 24 | $8.5M | $-20.9M | ||
| Q3 24 | $7.7M | $-27.5M | ||
| Q2 24 | $-11.0M | $-750.0K |
毛利率LIFOSG
| Q1 26 | — | — | ||
| Q4 25 | 75.1% | — | ||
| Q3 25 | 78.0% | — | ||
| Q2 25 | 78.4% | — | ||
| Q1 25 | 80.6% | — | ||
| Q4 24 | 74.0% | — | ||
| Q3 24 | 75.4% | — | ||
| Q2 24 | 75.0% | — |
营业利润率LIFOSG
| Q1 26 | — | — | ||
| Q4 25 | 6.1% | -76.7% | ||
| Q3 25 | 4.6% | -48.2% | ||
| Q2 25 | 1.7% | -41.8% | ||
| Q1 25 | 2.1% | -24.1% | ||
| Q4 24 | 4.9% | -55.5% | ||
| Q3 24 | -5.3% | -29.7% | ||
| Q2 24 | -2.8% | -28.9% |
净利率LIFOSG
| Q1 26 | — | -6.6% | ||
| Q4 25 | 88.8% | -73.8% | ||
| Q3 25 | 7.9% | -169.1% | ||
| Q2 25 | 6.1% | -132.3% | ||
| Q1 25 | 4.2% | -71.3% | ||
| Q4 24 | 7.4% | -55.1% | ||
| Q3 24 | 8.3% | -39.3% | ||
| Q2 24 | -12.9% | -1.5% |
每股收益（稀释后）LIFOSG
| Q1 26 | — | $-0.13 | ||
| Q4 25 | $1.53 | $-0.82 | ||
| Q3 25 | $0.11 | $-2.35 | ||
| Q2 25 | $0.08 | $-1.54 | ||
| Q1 25 | $0.05 | $-1.22 | ||
| Q4 24 | $0.14 | $-11.75 | ||
| Q3 24 | $0.09 | $-0.63 | ||
| Q2 24 | $-0.15 | $-0.02 |
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 | $494.3M | — |
| 总债务越低越好 | — | $117.1M |
| 股东权益账面价值 | $548.2M | $833.6M |
| 总资产 | $959.7M | $2.3B |
| 负债/权益比越低杠杆越低 | — | 0.14× |
8季度趋势，按日历期对齐
现金及短期投资LIFOSG
| Q1 26 | — | — | ||
| Q4 25 | $494.3M | $146.4M | ||
| Q3 25 | $455.7M | $27.5M | ||
| Q2 25 | $432.7M | $22.5M | ||
| Q1 25 | $168.9M | $34.1M | ||
| Q4 24 | $159.2M | $157.2M | ||
| Q3 24 | $159.0M | $40.8M | ||
| Q2 24 | $160.8M | $14.6M |
总债务LIFOSG
| Q1 26 | — | $117.1M | ||
| Q4 25 | — | $117.6M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $518.0M | ||
| Q2 24 | — | $515.0M |
股东权益LIFOSG
| Q1 26 | — | $833.6M | ||
| Q4 25 | $548.2M | $715.8M | ||
| Q3 25 | $391.4M | $843.4M | ||
| Q2 25 | $366.7M | $859.8M | ||
| Q1 25 | $376.3M | $852.2M | ||
| Q4 24 | $358.5M | $798.4M | ||
| Q3 24 | $339.7M | $1.5B | ||
| Q2 24 | $326.7M | $1.4B |
总资产LIFOSG
| Q1 26 | — | $2.3B | ||
| Q4 25 | $959.7M | $2.2B | ||
| Q3 25 | $787.5M | $2.1B | ||
| Q2 25 | $753.6M | $8.5B | ||
| Q1 25 | $455.4M | $8.3B | ||
| Q4 24 | $441.6M | $8.1B | ||
| Q3 24 | $427.4M | $9.3B | ||
| Q2 24 | $405.9M | $8.2B |
负债/权益比LIFOSG
| Q1 26 | — | 0.14× | ||
| Q4 25 | — | 0.16× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.35× | ||
| Q2 24 | — | 0.38× |
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 | $36.8M | — |
| 自由现金流经营现金流 - 资本支出 | $36.6M | — |
| 自由现金流率自由现金流/营收 | 25.1% | — |
| 资本支出强度资本支出/营收 | 0.2% | — |
| 现金转化率经营现金流/净利润 | 0.28× | — |
| 过去12个月自由现金流最近4个季度 | $86.8M | — |
8季度趋势，按日历期对齐
经营现金流LIFOSG
| Q1 26 | — | — | ||
| Q4 25 | $36.8M | $-52.3M | ||
| Q3 25 | $26.4M | $-41.2M | ||
| Q2 25 | $13.3M | $2.1M | ||
| Q1 25 | $12.1M | $-12.6M | ||
| Q4 24 | $12.3M | $762.0K | ||
| Q3 24 | $6.3M | $48.9M | ||
| Q2 24 | $3.3M | $20.4M |
自由现金流LIFOSG
| Q1 26 | — | — | ||
| Q4 25 | $36.6M | — | ||
| Q3 25 | $25.6M | — | ||
| Q2 25 | $12.7M | — | ||
| Q1 25 | $11.9M | — | ||
| Q4 24 | $11.2M | — | ||
| Q3 24 | $6.3M | — | ||
| Q2 24 | $3.2M | — |
自由现金流率LIFOSG
| Q1 26 | — | — | ||
| Q4 25 | 25.1% | — | ||
| Q3 25 | 20.6% | — | ||
| Q2 25 | 11.0% | — | ||
| Q1 25 | 11.5% | — | ||
| Q4 24 | 9.7% | — | ||
| Q3 24 | 6.8% | — | ||
| Q2 24 | 3.8% | — |
资本支出强度LIFOSG
| Q1 26 | — | — | ||
| Q4 25 | 0.2% | — | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 1.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.1% | — |
现金转化率LIFOSG
| Q1 26 | — | — | ||
| Q4 25 | 0.28× | — | ||
| Q3 25 | 2.70× | — | ||
| Q2 25 | 1.90× | — | ||
| Q1 25 | 2.75× | — | ||
| Q4 24 | 1.45× | — | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | — | — |
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
LIF
暂无分部数据
OSG
| Commissions | $68.2M | 65% |
| Other | $20.6M | 20% |
| Servicing and other fees | $9.4M | 9% |
| Program fees | $3.6M | 3% |
| Investment income | $2.4M | 2% |
