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Oscar Health, Inc.（OSCR）与TRUPANION, INC.（TRUP）财务数据对比。点击上方公司名可切换其他公司
TRUPANION, INC.的季度营收约是Oscar Health, Inc.的42.0倍（$376.9M vs $9.0M）。Oscar Health, Inc.同比增速更快（86.3% vs 11.7%）。Oscar Health, Inc.自由现金流更多（$662.8M vs $25.3M）。过去两年Oscar Health, Inc.的营收复合增速更高（26.1% vs 11.0%）
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。
Trupanion是总部位于美国华盛顿州西雅图的宠物保险服务商，创立于1999年，业务覆盖美国、加拿大、澳大利亚与波多黎各地区。该公司为宠物提供保险保障服务，所有保单由旗下美国宠物保险公司（APIC）独家承保。
OSCR vs TRUP — 直观对比
营收规模更大
TRUP
是对方的42.0倍
$9.0M
营收增速更快
OSCR
高出74.6%
11.7%
自由现金流更多
OSCR
多$637.5M
$25.3M
两年增速更快
OSCR
近两年复合增速
11.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $9.0M | $376.9M |
| 净利润 | $-352.6M | — |
| 毛利率 | — | 17.3% |
| 营业利润率 | -3722.8% | 1.9% |
| 净利率 | -3933.2% | — |
| 营收同比 | 86.3% | 11.7% |
| 净利润同比 | -129.6% | — |
| 每股收益（稀释后） | $-1.19 | $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OSCRTRUP
| Q4 25 | $9.0M | $376.9M | ||
| Q3 25 | $8.8M | $366.9M | ||
| Q2 25 | $6.5M | $353.6M | ||
| Q1 25 | $4.3M | $342.0M | ||
| Q4 24 | $4.8M | $337.3M | ||
| Q3 24 | $4.9M | $327.5M | ||
| Q2 24 | $5.2M | $314.8M | ||
| Q1 24 | $5.6M | $306.1M |
净利润OSCRTRUP
| Q4 25 | $-352.6M | — | ||
| Q3 25 | $-137.4M | — | ||
| Q2 25 | $-228.4M | — | ||
| Q1 25 | $275.3M | — | ||
| Q4 24 | $-153.5M | — | ||
| Q3 24 | $-54.6M | — | ||
| Q2 24 | $56.2M | — | ||
| Q1 24 | $177.4M | — |
毛利率OSCRTRUP
| Q4 25 | — | 17.3% | ||
| Q3 25 | — | 16.4% | ||
| Q2 25 | — | 15.5% | ||
| Q1 25 | — | 14.9% | ||
| Q4 24 | — | 15.7% | ||
| Q3 24 | — | 15.1% | ||
| Q2 24 | — | 12.8% | ||
| Q1 24 | — | 11.8% |
营业利润率OSCRTRUP
| Q4 25 | -3722.8% | 1.9% | ||
| Q3 25 | -1468.6% | 1.6% | ||
| Q2 25 | -3547.5% | 0.7% | ||
| Q1 25 | — | -0.4% | ||
| Q4 24 | -3070.1% | 0.1% | ||
| Q3 24 | -987.4% | 0.5% | ||
| Q2 24 | — | -1.7% | ||
| Q1 24 | — | -2.0% |
净利率OSCRTRUP
| Q4 25 | -3933.2% | — | ||
| Q3 25 | -1561.8% | — | ||
| Q2 25 | -3514.9% | — | ||
| Q1 25 | 6357.3% | — | ||
| Q4 24 | -3190.9% | — | ||
| Q3 24 | -1114.4% | — | ||
| Q2 24 | 1074.5% | — | ||
| Q1 24 | 3148.2% | — |
每股收益（稀释后）OSCRTRUP
| Q4 25 | $-1.19 | $0.13 | ||
| Q3 25 | $-0.53 | $0.13 | ||
| Q2 25 | $-0.89 | $0.22 | ||
| Q1 25 | $0.92 | $-0.03 | ||
| Q4 24 | $-0.50 | $0.04 | ||
| Q3 24 | $-0.22 | $0.03 | ||
| Q2 24 | $0.20 | $-0.14 | ||
| Q1 24 | $0.62 | $-0.16 |
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 | $370.7M |
| 总债务越低越好 | — | $101.8M |
| 股东权益账面价值 | $977.6M | $383.9M |
| 总资产 | $6.3B | $915.0M |
| 负债/权益比越低杠杆越低 | — | 0.27× |
8季度趋势，按日历期对齐
现金及短期投资OSCRTRUP
| Q4 25 | $2.8B | $370.7M | ||
| Q3 25 | $2.1B | $348.5M | ||
| Q2 25 | $2.6B | $319.6M | ||
| Q1 25 | $2.2B | $321.8M | ||
| Q4 24 | $2.2B | $307.4M | ||
| Q3 24 | $1.2B | $293.1M | ||
| Q2 24 | $2.3B | $277.2M | ||
| Q1 24 | $2.2B | $275.2M |
总债务OSCRTRUP
| Q4 25 | — | $101.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $127.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益OSCRTRUP
| Q4 25 | $977.6M | $383.9M | ||
| Q3 25 | $1.0B | $368.6M | ||
| Q2 25 | $1.2B | $355.5M | ||
| Q1 25 | $1.3B | $333.7M | ||
| Q4 24 | $1.0B | $323.3M | ||
| Q3 24 | $1.2B | $320.2M | ||
| Q2 24 | $1.1B | $305.8M | ||
| Q1 24 | $1.0B | $303.4M |
总资产OSCRTRUP
| Q4 25 | $6.3B | $915.0M | ||
| Q3 25 | $5.7B | $880.2M | ||
| Q2 25 | $6.4B | $847.8M | ||
| Q1 25 | $5.8B | $837.2M | ||
| Q4 24 | $4.8B | $806.9M | ||
| Q3 24 | $4.5B | $816.1M | ||
| Q2 24 | $5.0B | $795.9M | ||
| Q1 24 | $4.4B | $789.5M |
负债/权益比OSCRTRUP
| Q4 25 | — | 0.27× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.39× | ||
| 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 | $671.9M | $29.3M |
| 自由现金流经营现金流 - 资本支出 | $662.8M | $25.3M |
| 自由现金流率自由现金流/营收 | 7393.7% | 6.7% |
| 资本支出强度资本支出/营收 | 101.1% | 1.0% |
| 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 | $1.1B | $75.4M |
8季度趋势，按日历期对齐
经营现金流OSCRTRUP
| Q4 25 | $671.9M | $29.3M | ||
| Q3 25 | $-964.7M | $29.2M | ||
| Q2 25 | $509.1M | $15.0M | ||
| Q1 25 | $878.5M | $16.0M | ||
| Q4 24 | $346.8M | $23.7M | ||
| Q3 24 | $-500.1M | $15.3M | ||
| Q2 24 | $497.2M | $6.9M | ||
| Q1 24 | $634.4M | $2.4M |
自由现金流OSCRTRUP
| Q4 25 | $662.8M | $25.3M | ||
| Q3 25 | $-973.7M | $23.9M | ||
| Q2 25 | $499.8M | $12.0M | ||
| Q1 25 | $869.5M | $14.0M | ||
| Q4 24 | $340.0M | $21.8M | ||
| Q3 24 | $-507.7M | $13.4M | ||
| Q2 24 | $489.6M | $4.0M | ||
| Q1 24 | $628.4M | $-631.0K |
自由现金流率OSCRTRUP
| Q4 25 | 7393.7% | 6.7% | ||
| Q3 25 | -11063.1% | 6.5% | ||
| Q2 25 | 7692.6% | 3.4% | ||
| Q1 25 | 20081.2% | 4.1% | ||
| Q4 24 | 7065.7% | 6.5% | ||
| Q3 24 | -10363.5% | 4.1% | ||
| Q2 24 | 9359.4% | 1.3% | ||
| Q1 24 | 11153.9% | -0.2% |
资本支出强度OSCRTRUP
| Q4 25 | 101.1% | 1.0% | ||
| Q3 25 | 102.3% | 1.4% | ||
| Q2 25 | 142.8% | 0.8% | ||
| Q1 25 | 208.5% | 0.6% | ||
| Q4 24 | 141.7% | 0.6% | ||
| Q3 24 | 154.4% | 0.6% | ||
| Q2 24 | 144.6% | 0.9% | ||
| Q1 24 | 105.6% | 1.0% |
现金转化率OSCRTRUP
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 3.19× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 8.85× | — | ||
| Q1 24 | 3.58× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
