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Oscar Health, Inc.（OSCR）与RENAISSANCERE HOLDINGS LTD（RNR）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RENAISSANCERE HOLDINGS LTD的1.3倍（$2.8B vs $2.2B），RENAISSANCERE HOLDINGS LTD净利率更高（23.5% vs -3933.2%，领先3956.7%），Oscar Health, Inc.同比增速更快（17.3% vs -36.8%），过去两年Oscar Health, Inc.的营收复合增速更高（14.4% vs -11.9%）
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。
RenaissanceRe Holdings Ltd是总部位于百慕大的保险及相关商业服务提供商，核心业务覆盖再保险、常规保险两大板块，同时运营风险相关创新投资业务，为全球客户提供专业的风险对冲与保险解决方案。
OSCR vs RNR — 直观对比
营收规模更大
OSCR
是对方的1.3倍
$2.2B
营收增速更快
OSCR
高出54.0%
-36.8%
净利率更高
RNR
高出3956.7%
-3933.2%
两年增速更快
OSCR
近两年复合增速
-11.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $2.2B |
| 净利润 | $-352.6M | $515.8M |
| 毛利率 | — | — |
| 营业利润率 | -3722.8% | — |
| 净利率 | -3933.2% | 23.5% |
| 营收同比 | 17.3% | -36.8% |
| 净利润同比 | -129.6% | 72.6% |
| 每股收益（稀释后） | $-1.19 | $6.57 |
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OSCRRNR
| Q1 26 | — | $2.2B | ||
| Q4 25 | $2.8B | $3.0B | ||
| Q3 25 | $3.0B | $3.2B | ||
| Q2 25 | $2.9B | $3.2B | ||
| Q1 25 | $3.0B | $3.5B | ||
| Q4 24 | $2.4B | $2.3B | ||
| Q3 24 | $2.4B | $4.0B | ||
| Q2 24 | $2.2B | $2.8B |
净利润OSCRRNR
| Q1 26 | — | $515.8M | ||
| Q4 25 | $-352.6M | $760.5M | ||
| Q3 25 | $-137.4M | $916.5M | ||
| Q2 25 | $-228.4M | $835.4M | ||
| Q1 25 | $275.3M | $170.0M | ||
| Q4 24 | $-153.5M | $-189.7M | ||
| Q3 24 | $-54.6M | $1.2B | ||
| Q2 24 | $56.2M | $503.9M |
营业利润率OSCRRNR
| Q1 26 | — | — | ||
| Q4 25 | -3722.8% | 42.5% | ||
| Q3 25 | -4.3% | 46.3% | ||
| Q2 25 | -8.0% | 41.8% | ||
| Q1 25 | 9.8% | -2.0% | ||
| Q4 24 | -3070.1% | -3.6% | ||
| Q3 24 | -2.0% | 43.7% | ||
| Q2 24 | 3.1% | 25.0% |
净利率OSCRRNR
| Q1 26 | — | 23.5% | ||
| Q4 25 | -3933.2% | 25.6% | ||
| Q3 25 | -4.6% | 28.7% | ||
| Q2 25 | -8.0% | 26.1% | ||
| Q1 25 | 9.0% | 4.9% | ||
| Q4 24 | -3190.9% | -8.3% | ||
| Q3 24 | -2.3% | 29.8% | ||
| Q2 24 | 2.5% | 17.8% |
每股收益（稀释后）OSCRRNR
| Q1 26 | — | $6.57 | ||
| Q4 25 | $-1.19 | $16.16 | ||
| Q3 25 | $-0.53 | $19.40 | ||
| Q2 25 | $-0.89 | $17.20 | ||
| Q1 25 | $0.92 | $3.27 | ||
| Q4 24 | $-0.50 | $-3.76 | ||
| Q3 24 | $-0.22 | $22.62 | ||
| Q2 24 | $0.20 | $9.41 |
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 | $1.6B |
| 总债务越低越好 | $430.1M | — |
| 股东权益账面价值 | $977.6M | $4.3B |
| 总资产 | $6.3B | $53.7B |
| 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OSCRRNR
| Q1 26 | — | $1.6B | ||
| Q4 25 | $2.8B | $1.7B | ||
| Q3 25 | $2.1B | $1.7B | ||
| Q2 25 | $2.6B | $1.4B | ||
| Q1 25 | $2.2B | $1.6B | ||
| Q4 24 | $2.2B | $1.7B | ||
| Q3 24 | $1.2B | $1.6B | ||
| Q2 24 | $2.3B | $1.6B |
总债务OSCRRNR
| Q1 26 | — | — | ||
| Q4 25 | $430.1M | $2.3B | ||
| Q3 25 | $686.3M | $2.2B | ||
| Q2 25 | $299.9M | $2.3B | ||
| Q1 25 | $299.7M | $2.8B | ||
| Q4 24 | $299.6M | $1.9B | ||
| Q3 24 | $299.4M | $1.9B | ||
| Q2 24 | $299.2M | $2.0B |
股东权益OSCRRNR
| Q1 26 | — | $4.3B | ||
| Q4 25 | $977.6M | $11.6B | ||
| Q3 25 | $1.0B | $11.5B | ||
| Q2 25 | $1.2B | $10.8B | ||
| Q1 25 | $1.3B | $10.3B | ||
| Q4 24 | $1.0B | $10.6B | ||
| Q3 24 | $1.2B | $11.2B | ||
| Q2 24 | $1.1B | $10.2B |
总资产OSCRRNR
| Q1 26 | — | $53.7B | ||
| Q4 25 | $6.3B | $53.8B | ||
| Q3 25 | $5.7B | $54.5B | ||
| Q2 25 | $6.4B | $54.7B | ||
| Q1 25 | $5.8B | $53.6B | ||
| Q4 24 | $4.8B | $50.7B | ||
| Q3 24 | $4.5B | $52.8B | ||
| Q2 24 | $5.0B | $51.6B |
负债/权益比OSCRRNR
| Q1 26 | — | — | ||
| Q4 25 | 0.44× | 0.20× | ||
| Q3 25 | 0.67× | 0.19× | ||
| Q2 25 | 0.26× | 0.21× | ||
| Q1 25 | 0.22× | 0.27× | ||
| Q4 24 | 0.30× | 0.18× | ||
| Q3 24 | 0.26× | 0.17× | ||
| Q2 24 | 0.26× | 0.19× |
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 | $1.1B | — |
| 自由现金流经营现金流 - 资本支出 | $1.1B | — |
| 自由现金流率自由现金流/营收 | 37.7% | — |
| 资本支出强度资本支出/营收 | 1.3% | — |
| 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 | $1.5B | — |
8季度趋势，按日历期对齐
经营现金流OSCRRNR
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $483.0M | ||
| Q3 25 | $-964.7M | $1.6B | ||
| Q2 25 | $509.1M | $1.5B | ||
| Q1 25 | $878.5M | $157.8M | ||
| Q4 24 | $978.2M | $778.9M | ||
| Q3 24 | $-500.1M | $1.5B | ||
| Q2 24 | $497.2M | $1.2B |
自由现金流OSCRRNR
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | — | ||
| Q3 25 | $-973.7M | — | ||
| Q2 25 | $499.8M | — | ||
| Q1 25 | $869.5M | — | ||
| Q4 24 | $950.3M | — | ||
| Q3 24 | $-507.7M | — | ||
| Q2 24 | $489.6M | — |
自由现金流率OSCRRNR
| Q1 26 | — | — | ||
| Q4 25 | 37.7% | — | ||
| Q3 25 | -32.6% | — | ||
| Q2 25 | 17.5% | — | ||
| Q1 25 | 28.5% | — | ||
| Q4 24 | 39.7% | — | ||
| Q3 24 | -20.9% | — | ||
| Q2 24 | 22.1% | — |
资本支出强度OSCRRNR
| Q1 26 | — | — | ||
| Q4 25 | 1.3% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 1.2% | — | ||
| Q3 24 | 0.3% | — | ||
| Q2 24 | 0.3% | — |
现金转化率OSCRRNR
| Q1 26 | — | — | ||
| Q4 25 | — | 0.64× | ||
| Q3 25 | — | 1.73× | ||
| Q2 25 | — | 1.76× | ||
| Q1 25 | 3.19× | 0.93× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.26× | ||
| Q2 24 | 8.85× | 2.41× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
