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NVR, Inc.（NVR）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
Oscar Health, Inc.的季度营收约是NVR, Inc.的1.0倍（$2.8B vs $2.7B），NVR, Inc.净利率更高（13.4% vs -3933.2%，领先3946.6%），Oscar Health, Inc.同比增速更快（17.3% vs -4.7%），Oscar Health, Inc.自由现金流更多（$1.1B vs $436.0M），过去两年Oscar Health, Inc.的营收复合增速更高（14.4% vs 7.8%）
NVR, Inc.是总部位于美国弗吉尼亚州雷斯顿的知名住宅建造企业，同时运营抵押贷款银行及产权服务相关业务。公司业务主要布局美国东海岸，覆盖14个州及华盛顿特区，2021年有22%的营收来自华盛顿大都会区。
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。
NVR vs OSCR — 直观对比
营收规模更大
OSCR
是对方的1.0倍
$2.7B
营收增速更快
OSCR
高出21.9%
-4.7%
净利率更高
NVR
高出3946.6%
-3933.2%
自由现金流更多
OSCR
多$622.5M
$436.0M
两年增速更快
OSCR
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.7B | $2.8B |
| 净利润 | $363.8M | $-352.6M |
| 毛利率 | — | — |
| 营业利润率 | — | -3722.8% |
| 净利率 | 13.4% | -3933.2% |
| 营收同比 | -4.7% | 17.3% |
| 净利润同比 | -20.5% | -129.6% |
| 每股收益（稀释后） | $120.85 | $-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NVROSCR
| Q4 25 | $2.7B | $2.8B | ||
| Q3 25 | $2.6B | $3.0B | ||
| Q2 25 | $2.6B | $2.9B | ||
| Q1 25 | $2.4B | $3.0B | ||
| Q4 24 | $2.8B | $2.4B | ||
| Q3 24 | $2.7B | $2.4B | ||
| Q2 24 | $2.6B | $2.2B | ||
| Q1 24 | $2.3B | $2.1B |
净利润NVROSCR
| Q4 25 | $363.8M | $-352.6M | ||
| Q3 25 | $342.7M | $-137.4M | ||
| Q2 25 | $333.7M | $-228.4M | ||
| Q1 25 | $299.6M | $275.3M | ||
| Q4 24 | $457.4M | $-153.5M | ||
| Q3 24 | $429.3M | $-54.6M | ||
| Q2 24 | $400.9M | $56.2M | ||
| Q1 24 | $394.3M | $177.4M |
营业利润率NVROSCR
| Q4 25 | — | -3722.8% | ||
| Q3 25 | — | -4.3% | ||
| Q2 25 | — | -8.0% | ||
| Q1 25 | — | 9.8% | ||
| Q4 24 | — | -3070.1% | ||
| Q3 24 | — | -2.0% | ||
| Q2 24 | — | 3.1% | ||
| Q1 24 | — | 8.7% |
净利率NVROSCR
| Q4 25 | 13.4% | -3933.2% | ||
| Q3 25 | 13.1% | -4.6% | ||
| Q2 25 | 12.8% | -8.0% | ||
| Q1 25 | 12.5% | 9.0% | ||
| Q4 24 | 16.1% | -3190.9% | ||
| Q3 24 | 15.7% | -2.3% | ||
| Q2 24 | 15.3% | 2.5% | ||
| Q1 24 | 16.9% | 8.3% |
每股收益（稀释后）NVROSCR
| Q4 25 | $120.85 | $-1.19 | ||
| Q3 25 | $112.33 | $-0.53 | ||
| Q2 25 | $108.54 | $-0.89 | ||
| Q1 25 | $94.83 | $0.92 | ||
| Q4 24 | $139.09 | $-0.50 | ||
| Q3 24 | $130.50 | $-0.22 | ||
| Q2 24 | $120.69 | $0.20 | ||
| Q1 24 | $116.41 | $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 | — | $2.8B |
| 总债务越低越好 | — | $430.1M |
| 股东权益账面价值 | $3.9B | $977.6M |
| 总资产 | $5.9B | $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NVROSCR
| Q4 25 | — | $2.8B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | — | $2.6B | ||
| Q1 25 | — | $2.2B | ||
| Q4 24 | — | $2.2B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $2.3B | ||
| Q1 24 | — | $2.2B |
总债务NVROSCR
| 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NVROSCR
| Q4 25 | $3.9B | $977.6M | ||
| Q3 25 | $4.0B | $1.0B | ||
| Q2 25 | $3.8B | $1.2B | ||
| Q1 25 | $4.0B | $1.3B | ||
| Q4 24 | $4.2B | $1.0B | ||
| Q3 24 | $4.3B | $1.2B | ||
| Q2 24 | $4.1B | $1.1B | ||
| Q1 24 | $4.3B | $1.0B |
总资产NVROSCR
| Q4 25 | $5.9B | $6.3B | ||
| Q3 25 | $6.0B | $5.7B | ||
| Q2 25 | $5.9B | $6.4B | ||
| Q1 25 | $6.2B | $5.8B | ||
| Q4 24 | $6.4B | $4.8B | ||
| Q3 24 | $6.5B | $4.5B | ||
| Q2 24 | $6.4B | $5.0B | ||
| Q1 24 | $6.5B | $4.4B |
负债/权益比NVROSCR
| 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 | $439.7M | $1.1B |
| 自由现金流经营现金流 - 资本支出 | $436.0M | $1.1B |
| 自由现金流率自由现金流/营收 | 16.1% | 37.7% |
| 资本支出强度资本支出/营收 | 0.1% | 1.3% |
| 现金转化率经营现金流/净利润 | 1.21× | — |
| 过去12个月自由现金流最近4个季度 | $1.1B | $1.5B |
8季度趋势，按日历期对齐
经营现金流NVROSCR
| Q4 25 | $439.7M | $1.1B | ||
| Q3 25 | $438.7M | $-964.7M | ||
| Q2 25 | $35.1M | $509.1M | ||
| Q1 25 | $207.8M | $878.5M | ||
| Q4 24 | $637.0M | $978.2M | ||
| Q3 24 | $358.3M | $-500.1M | ||
| Q2 24 | $232.7M | $497.2M | ||
| Q1 24 | $146.5M | $634.4M |
自由现金流NVROSCR
| Q4 25 | $436.0M | $1.1B | ||
| Q3 25 | $433.3M | $-973.7M | ||
| Q2 25 | $26.8M | $499.8M | ||
| Q1 25 | $200.7M | $869.5M | ||
| Q4 24 | $631.5M | $950.3M | ||
| Q3 24 | $350.1M | $-507.7M | ||
| Q2 24 | $226.3M | $489.6M | ||
| Q1 24 | $137.5M | $628.4M |
自由现金流率NVROSCR
| Q4 25 | 16.1% | 37.7% | ||
| Q3 25 | 16.6% | -32.6% | ||
| Q2 25 | 1.0% | 17.5% | ||
| Q1 25 | 8.4% | 28.5% | ||
| Q4 24 | 22.2% | 39.7% | ||
| Q3 24 | 12.8% | -20.9% | ||
| Q2 24 | 8.7% | 22.1% | ||
| Q1 24 | 5.9% | 29.3% |
资本支出强度NVROSCR
| Q4 25 | 0.1% | 1.3% | ||
| Q3 25 | 0.2% | 0.3% | ||
| Q2 25 | 0.3% | 0.3% | ||
| Q1 25 | 0.3% | 0.3% | ||
| Q4 24 | 0.2% | 1.2% | ||
| Q3 24 | 0.3% | 0.3% | ||
| Q2 24 | 0.2% | 0.3% | ||
| Q1 24 | 0.4% | 0.3% |
现金转化率NVROSCR
| Q4 25 | 1.21× | — | ||
| Q3 25 | 1.28× | — | ||
| Q2 25 | 0.11× | — | ||
| Q1 25 | 0.69× | 3.19× | ||
| Q4 24 | 1.39× | — | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | 0.58× | 8.85× | ||
| Q1 24 | 0.37× | 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
NVR
| Home Building Segment | $2.6B | 97% |
| Mortgage Banking Segment | $77.4M | 3% |
OSCR
暂无分部数据
