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OneMain Holdings, Inc.（OMF）与Verisk Analytics（VRSK）财务数据对比。点击上方公司名可切换其他公司
OneMain Holdings, Inc.的季度营收约是Verisk Analytics的1.4倍（$1.1B vs $778.8M），Verisk Analytics净利率更高（25.3% vs 18.7%，领先6.7%），OneMain Holdings, Inc.同比增速更快（8.3% vs 5.9%），过去两年OneMain Holdings, Inc.的营收复合增速更高（10.4% vs 5.2%）
OneMain Holdings, Inc.是一家美国金融服务控股企业，总部位于印第安纳州埃文斯维尔，在全美多地设有核心办事机构。公司全资持有OneMain金融公司及其子公司，以OneMain Financial为品牌经营消费金融与保险业务，主要面向难以从银行等传统贷款机构获得服务的客户提供个人贷款及可选保险产品。
Verisk Analytics是总部位于美国新泽西州泽西市的跨国数据分析与风险评估企业，服务覆盖保险、政府、风险管理等领域，依托自有数据集与行业专业经验，为客户提供反欺诈、精算、保险承保、消防、巨灾与天气风险、数据管理等方向的预测分析及决策支持咨询服务。
OMF vs VRSK — 直观对比
营收规模更大
OMF
是对方的1.4倍
$778.8M
营收增速更快
OMF
高出2.5%
5.9%
净利率更高
VRSK
高出6.7%
18.7%
两年增速更快
OMF
近两年复合增速
5.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $778.8M |
| 净利润 | $204.0M | $197.2M |
| 毛利率 | — | 69.7% |
| 营业利润率 | 22.8% | 40.3% |
| 净利率 | 18.7% | 25.3% |
| 营收同比 | 8.3% | 5.9% |
| 净利润同比 | 61.9% | -6.3% |
| 每股收益（稀释后） | $1.71 | $1.41 |
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OMFVRSK
| Q4 25 | $1.1B | $778.8M | ||
| Q3 25 | $1.1B | $768.3M | ||
| Q2 25 | $1.0B | $772.6M | ||
| Q1 25 | $996.0M | $753.0M | ||
| Q4 24 | $1.0B | $735.6M | ||
| Q3 24 | $981.0M | $725.3M | ||
| Q2 24 | $922.0M | $716.8M | ||
| Q1 24 | $896.0M | $704.0M |
净利润OMFVRSK
| Q4 25 | $204.0M | $197.2M | ||
| Q3 25 | $199.0M | $225.5M | ||
| Q2 25 | $167.0M | $253.3M | ||
| Q1 25 | $213.0M | $232.3M | ||
| Q4 24 | $126.0M | $210.4M | ||
| Q3 24 | $157.0M | $220.1M | ||
| Q2 24 | $71.0M | $308.1M | ||
| Q1 24 | $155.0M | $219.6M |
毛利率OMFVRSK
| Q4 25 | — | 69.7% | ||
| Q3 25 | — | 70.1% | ||
| Q2 25 | — | 70.3% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 68.7% | ||
| Q3 24 | — | 69.2% | ||
| Q2 24 | — | 69.4% | ||
| Q1 24 | — | 67.6% |
营业利润率OMFVRSK
| Q4 25 | 22.8% | 40.3% | ||
| Q3 25 | 24.5% | 45.0% | ||
| Q2 25 | 20.9% | 45.9% | ||
| Q1 25 | 27.6% | 43.8% | ||
| Q4 24 | 16.3% | 43.0% | ||
| Q3 24 | 21.1% | 42.9% | ||
| Q2 24 | 10.0% | 44.5% | ||
| Q1 24 | 22.8% | 43.7% |
净利率OMFVRSK
| Q4 25 | 18.7% | 25.3% | ||
| Q3 25 | 18.6% | 29.4% | ||
| Q2 25 | 16.3% | 32.8% | ||
| Q1 25 | 21.4% | 30.8% | ||
| Q4 24 | 12.5% | 28.6% | ||
| Q3 24 | 16.0% | 30.3% | ||
| Q2 24 | 7.7% | 43.0% | ||
| Q1 24 | 17.3% | 31.2% |
每股收益（稀释后）OMFVRSK
| Q4 25 | $1.71 | $1.41 | ||
| Q3 25 | $1.67 | $1.61 | ||
| Q2 25 | $1.40 | $1.81 | ||
| Q1 25 | $1.78 | $1.65 | ||
| Q4 24 | $1.05 | $1.50 | ||
| Q3 24 | $1.31 | $1.54 | ||
| Q2 24 | $0.59 | $2.15 | ||
| Q1 24 | $1.29 | $1.52 |
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 | $914.0M | $2.2B |
| 总债务越低越好 | $22.7B | $3.2B |
| 股东权益账面价值 | $3.4B | $309.0M |
| 总资产 | $27.4B | $6.2B |
| 负债/权益比越低杠杆越低 | 6.67× | 10.45× |
8季度趋势，按日历期对齐
现金及短期投资OMFVRSK
| Q4 25 | $914.0M | $2.2B | ||
| Q3 25 | $658.0M | $2.1B | ||
| Q2 25 | $769.0M | $628.7M | ||
| Q1 25 | $627.0M | $1.1B | ||
| Q4 24 | $458.0M | $291.2M | ||
| Q3 24 | $577.0M | $458.0M | ||
| Q2 24 | $667.0M | $632.1M | ||
| Q1 24 | $831.0M | $352.4M |
总债务OMFVRSK
| Q4 25 | $22.7B | $3.2B | ||
| Q3 25 | $22.3B | $3.2B | ||
| Q2 25 | $22.1B | $3.2B | ||
| Q1 25 | $21.5B | $3.2B | ||
| Q4 24 | $21.4B | $2.5B | ||
| Q3 24 | $21.1B | $2.5B | ||
| Q2 24 | $20.7B | $2.6B | ||
| Q1 24 | $19.5B | $2.9B |
股东权益OMFVRSK
| Q4 25 | $3.4B | $309.0M | ||
| Q3 25 | $3.4B | $376.7M | ||
| Q2 25 | $3.3B | $311.7M | ||
| Q1 25 | $3.3B | $123.0M | ||
| Q4 24 | $3.2B | $100.1M | ||
| Q3 24 | $3.2B | $299.6M | ||
| Q2 24 | $3.2B | $430.3M | ||
| Q1 24 | $3.2B | $282.2M |
总资产OMFVRSK
| Q4 25 | $27.4B | $6.2B | ||
| Q3 25 | $27.0B | $6.2B | ||
| Q2 25 | $26.6B | $4.8B | ||
| Q1 25 | $26.0B | $5.1B | ||
| Q4 24 | $25.9B | $4.3B | ||
| Q3 24 | $25.6B | $4.6B | ||
| Q2 24 | $25.1B | $4.8B | ||
| Q1 24 | $23.9B | $4.5B |
负债/权益比OMFVRSK
| Q4 25 | 6.67× | 10.45× | ||
| Q3 25 | 6.61× | 8.57× | ||
| Q2 25 | 6.63× | 10.37× | ||
| Q1 25 | 6.55× | 26.30× | ||
| Q4 24 | 6.72× | 25.44× | ||
| Q3 24 | 6.59× | 8.50× | ||
| Q2 24 | 6.56× | 5.93× | ||
| Q1 24 | 6.07× | 10.14× |
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 | $865.0M | $343.3M |
| 自由现金流经营现金流 - 资本支出 | — | $276.1M |
| 自由现金流率自由现金流/营收 | — | 35.5% |
| 资本支出强度资本支出/营收 | — | 8.6% |
| 现金转化率经营现金流/净利润 | 4.24× | 1.74× |
| 过去12个月自由现金流最近4个季度 | — | $1.2B |
8季度趋势，按日历期对齐
经营现金流OMFVRSK
| Q4 25 | $865.0M | $343.3M | ||
| Q3 25 | $828.0M | $403.5M | ||
| Q2 25 | $774.0M | $244.5M | ||
| Q1 25 | $665.0M | $444.7M | ||
| Q4 24 | $752.0M | $263.9M | ||
| Q3 24 | $677.0M | $296.2M | ||
| Q2 24 | $712.0M | $211.7M | ||
| Q1 24 | $558.0M | $372.2M |
自由现金流OMFVRSK
| Q4 25 | — | $276.1M | ||
| Q3 25 | — | $336.1M | ||
| Q2 25 | — | $188.7M | ||
| Q1 25 | — | $391.0M | ||
| Q4 24 | — | $208.5M | ||
| Q3 24 | — | $240.7M | ||
| Q2 24 | — | $153.9M | ||
| Q1 24 | — | $317.0M |
自由现金流率OMFVRSK
| Q4 25 | — | 35.5% | ||
| Q3 25 | — | 43.7% | ||
| Q2 25 | — | 24.4% | ||
| Q1 25 | — | 51.9% | ||
| Q4 24 | — | 28.3% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 21.5% | ||
| Q1 24 | — | 45.0% |
资本支出强度OMFVRSK
| Q4 25 | — | 8.6% | ||
| Q3 25 | — | 8.8% | ||
| Q2 25 | — | 7.2% | ||
| Q1 25 | — | 7.1% | ||
| Q4 24 | — | 7.5% | ||
| Q3 24 | — | 7.7% | ||
| Q2 24 | — | 8.1% | ||
| Q1 24 | — | 7.8% |
现金转化率OMFVRSK
| Q4 25 | 4.24× | 1.74× | ||
| Q3 25 | 4.16× | 1.79× | ||
| Q2 25 | 4.63× | 0.97× | ||
| Q1 25 | 3.12× | 1.91× | ||
| Q4 24 | 5.97× | 1.25× | ||
| Q3 24 | 4.31× | 1.35× | ||
| Q2 24 | 10.03× | 0.69× | ||
| Q1 24 | 3.60× | 1.69× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
