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Oscar Health, Inc.（OSCR）与Unum Group（UNM）财务数据对比。点击上方公司名可切换其他公司
Unum Group的季度营收约是Oscar Health, Inc.的1.2倍（$3.4B vs $2.8B），Unum Group净利率更高（6.9% vs -3933.2%，领先3940.1%），Oscar Health, Inc.同比增速更快（17.3% vs 8.5%），过去两年Oscar Health, Inc.的营收复合增速更高（14.4% vs 1.9%）
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。
Unum Group是美国财富500强保险企业，总部位于田纳西州查塔努加，前身为1848年成立的联合相互保险公司，1999年合并后曾用名UnumProvident至2007年。集团现设四大业务板块，覆盖美、英、波兰市场，旗下承保主体包括保罗里维尔人寿保险、普罗维登斯人伤意外险公司等。
OSCR vs UNM — 直观对比
营收规模更大
UNM
是对方的1.2倍
$2.8B
营收增速更快
OSCR
高出8.7%
8.5%
净利率更高
UNM
高出3940.1%
-3933.2%
两年增速更快
OSCR
近两年复合增速
1.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $3.4B |
| 净利润 | $-352.6M | $232.0M |
| 毛利率 | — | — |
| 营业利润率 | -3722.8% | — |
| 净利率 | -3933.2% | 6.9% |
| 营收同比 | 17.3% | 8.5% |
| 净利润同比 | -129.6% | 22.7% |
| 每股收益（稀释后） | $-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OSCRUNM
| Q1 26 | — | $3.4B | ||
| Q4 25 | $2.8B | $3.2B | ||
| Q3 25 | $3.0B | $3.4B | ||
| Q2 25 | $2.9B | $3.4B | ||
| Q1 25 | $3.0B | $3.1B | ||
| Q4 24 | $2.4B | $3.2B | ||
| Q3 24 | $2.4B | $3.2B | ||
| Q2 24 | $2.2B | $3.2B |
净利润OSCRUNM
| Q1 26 | — | $232.0M | ||
| Q4 25 | $-352.6M | $174.1M | ||
| Q3 25 | $-137.4M | $39.7M | ||
| Q2 25 | $-228.4M | $335.6M | ||
| Q1 25 | $275.3M | $189.1M | ||
| Q4 24 | $-153.5M | $348.7M | ||
| Q3 24 | $-54.6M | $645.7M | ||
| Q2 24 | $56.2M | $389.5M |
营业利润率OSCRUNM
| Q1 26 | — | — | ||
| Q4 25 | -3722.8% | 6.7% | ||
| Q3 25 | -4.3% | 1.6% | ||
| Q2 25 | -8.0% | 12.4% | ||
| Q1 25 | 9.8% | 7.9% | ||
| Q4 24 | -3070.1% | 13.8% | ||
| Q3 24 | -2.0% | 15.6% | ||
| Q2 24 | 3.1% | 15.3% |
净利率OSCRUNM
| Q1 26 | — | 6.9% | ||
| Q4 25 | -3933.2% | 5.4% | ||
| Q3 25 | -4.6% | 1.2% | ||
| Q2 25 | -8.0% | 10.0% | ||
| Q1 25 | 9.0% | 6.1% | ||
| Q4 24 | -3190.9% | 10.8% | ||
| Q3 24 | -2.3% | 20.1% | ||
| Q2 24 | 2.5% | 12.0% |
每股收益（稀释后）OSCRUNM
| Q1 26 | — | — | ||
| Q4 25 | $-1.19 | $1.06 | ||
| Q3 25 | $-0.53 | $0.23 | ||
| Q2 25 | $-0.89 | $1.92 | ||
| Q1 25 | $0.92 | $1.06 | ||
| Q4 24 | $-0.50 | $1.91 | ||
| Q3 24 | $-0.22 | $3.46 | ||
| Q2 24 | $0.20 | $2.05 |
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 | $2.1M |
| 总债务越低越好 | $430.1M | $3.8M |
| 股东权益账面价值 | $977.6M | $10.9M |
| 总资产 | $6.3B | $62.7M |
| 负债/权益比越低杠杆越低 | 0.44× | 0.35× |
8季度趋势，按日历期对齐
现金及短期投资OSCRUNM
| Q1 26 | — | $2.1M | ||
| 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 | — |
总债务OSCRUNM
| Q1 26 | — | $3.8M | ||
| Q4 25 | $430.1M | $3.8B | ||
| Q3 25 | $686.3M | $3.5B | ||
| Q2 25 | $299.9M | $3.5B | ||
| Q1 25 | $299.7M | $3.5B | ||
| Q4 24 | $299.6M | $3.5B | ||
| Q3 24 | $299.4M | $3.5B | ||
| Q2 24 | $299.2M | $3.5B |
股东权益OSCRUNM
| Q1 26 | — | $10.9M | ||
| Q4 25 | $977.6M | $11.1B | ||
| Q3 25 | $1.0B | $10.9B | ||
| Q2 25 | $1.2B | $11.3B | ||
| Q1 25 | $1.3B | $11.2B | ||
| Q4 24 | $1.0B | $11.0B | ||
| Q3 24 | $1.2B | $11.0B | ||
| Q2 24 | $1.1B | $10.5B |
总资产OSCRUNM
| Q1 26 | — | $62.7M | ||
| Q4 25 | $6.3B | $63.5B | ||
| Q3 25 | $5.7B | $63.7B | ||
| Q2 25 | $6.4B | $62.8B | ||
| Q1 25 | $5.8B | $62.5B | ||
| Q4 24 | $4.8B | $62.0B | ||
| Q3 24 | $4.5B | $64.1B | ||
| Q2 24 | $5.0B | $62.0B |
负债/权益比OSCRUNM
| Q1 26 | — | 0.35× | ||
| Q4 25 | 0.44× | 0.34× | ||
| Q3 25 | 0.67× | 0.32× | ||
| Q2 25 | 0.26× | 0.31× | ||
| Q1 25 | 0.22× | 0.31× | ||
| Q4 24 | 0.30× | 0.32× | ||
| Q3 24 | 0.26× | 0.32× | ||
| Q2 24 | 0.26× | 0.33× |
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OSCRUNM
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $357.9M | ||
| Q3 25 | $-964.7M | $-371.8M | ||
| Q2 25 | $509.1M | $348.0M | ||
| Q1 25 | $878.5M | $353.6M | ||
| Q4 24 | $978.2M | $485.8M | ||
| Q3 24 | $-500.1M | $390.0M | ||
| Q2 24 | $497.2M | $339.1M |
自由现金流OSCRUNM
| Q1 26 | — | — | ||
| Q4 25 | $1.1B | $320.1M | ||
| Q3 25 | $-973.7M | $-402.6M | ||
| Q2 25 | $499.8M | $320.1M | ||
| Q1 25 | $869.5M | $317.8M | ||
| Q4 24 | $950.3M | $453.8M | ||
| Q3 24 | $-507.7M | $352.3M | ||
| Q2 24 | $489.6M | $311.4M |
自由现金流率OSCRUNM
| Q1 26 | — | — | ||
| Q4 25 | 37.7% | 9.9% | ||
| Q3 25 | -32.6% | -11.9% | ||
| Q2 25 | 17.5% | 9.5% | ||
| Q1 25 | 28.5% | 10.3% | ||
| Q4 24 | 39.7% | 14.0% | ||
| Q3 24 | -20.9% | 11.0% | ||
| Q2 24 | 22.1% | 9.6% |
资本支出强度OSCRUNM
| Q1 26 | — | — | ||
| Q4 25 | 1.3% | 1.2% | ||
| Q3 25 | 0.3% | 0.9% | ||
| Q2 25 | 0.3% | 0.8% | ||
| Q1 25 | 0.3% | 1.2% | ||
| Q4 24 | 1.2% | 1.0% | ||
| Q3 24 | 0.3% | 1.2% | ||
| Q2 24 | 0.3% | 0.9% |
现金转化率OSCRUNM
| Q1 26 | — | — | ||
| Q4 25 | — | 2.06× | ||
| Q3 25 | — | -9.37× | ||
| Q2 25 | — | 1.04× | ||
| Q1 25 | 3.19× | 1.87× | ||
| Q4 24 | — | 1.39× | ||
| Q3 24 | — | 0.60× | ||
| Q2 24 | 8.85× | 0.87× |
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
OSCR
暂无分部数据
UNM
| Premium Income | $2.8B | 83% |
| Other | $561.2M | 17% |
