vs
Oscar Health, Inc.（OSCR）与韦莱韬悦（WTW）财务数据对比。点击上方公司名可切换其他公司
韦莱韬悦的季度营收约是Oscar Health, Inc.的1.0倍（$2.9B vs $2.8B），韦莱韬悦净利率更高（25.5% vs -3933.2%，领先3958.7%），Oscar Health, Inc.同比增速更快（17.3% vs -3.5%），Oscar Health, Inc.自由现金流更多（$1.1B vs $708.0M），过去两年Oscar Health, Inc.的营收复合增速更高（14.4% vs 12.0%）
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。
韦莱韬悦是一家英美联营的跨国咨询、经纪及解决方案服务商，业务覆盖商业保险经纪与风险咨询、员工福利与薪酬咨询、退休与精算服务，同时可为养老基金、机构投资者提供专业投资建议，服务网络覆盖全球多个市场。
OSCR vs WTW — 直观对比
营收规模更大
WTW
是对方的1.0倍
$2.8B
营收增速更快
OSCR
高出20.8%
-3.5%
净利率更高
WTW
高出3958.7%
-3933.2%
自由现金流更多
OSCR
多$350.5M
$708.0M
两年增速更快
OSCR
近两年复合增速
12.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $2.8B | $2.9B |
| 净利润 | $-352.6M | $735.0M |
| 毛利率 | — | — |
| 营业利润率 | -3722.8% | 35.3% |
| 净利率 | -3933.2% | 25.5% |
| 营收同比 | 17.3% | -3.5% |
| 净利润同比 | -129.6% | -41.0% |
| 每股收益（稀释后） | $-1.19 | $7.50 |
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OSCRWTW
| Q4 25 | $2.8B | $2.9B | ||
| Q3 25 | $3.0B | $2.2B | ||
| Q2 25 | $2.9B | $2.2B | ||
| Q1 25 | $3.0B | $2.2B | ||
| Q4 24 | $2.4B | $3.0B | ||
| Q3 24 | $2.4B | $2.2B | ||
| Q2 24 | $2.2B | $2.2B | ||
| Q1 24 | $2.1B | $2.3B |
净利润OSCRWTW
| Q4 25 | $-352.6M | $735.0M | ||
| Q3 25 | $-137.4M | $304.0M | ||
| Q2 25 | $-228.4M | $331.0M | ||
| Q1 25 | $275.3M | $235.0M | ||
| Q4 24 | $-153.5M | $1.2B | ||
| Q3 24 | $-54.6M | $-1.7B | ||
| Q2 24 | $56.2M | $141.0M | ||
| Q1 24 | $177.4M | $190.0M |
营业利润率OSCRWTW
| Q4 25 | -3722.8% | 35.3% | ||
| Q3 25 | -4.3% | 18.7% | ||
| Q2 25 | -8.0% | 16.6% | ||
| Q1 25 | 9.8% | 19.8% | ||
| Q4 24 | -3070.1% | 30.2% | ||
| Q3 24 | -2.0% | -34.2% | ||
| Q2 24 | 3.1% | 9.6% | ||
| Q1 24 | 8.7% | 12.2% |
净利率OSCRWTW
| Q4 25 | -3933.2% | 25.5% | ||
| Q3 25 | -4.6% | 13.6% | ||
| Q2 25 | -8.0% | 14.9% | ||
| Q1 25 | 9.0% | 10.8% | ||
| Q4 24 | -3190.9% | 41.7% | ||
| Q3 24 | -2.3% | -74.8% | ||
| Q2 24 | 2.5% | 6.4% | ||
| Q1 24 | 8.3% | 8.3% |
每股收益（稀释后）OSCRWTW
| Q4 25 | $-1.19 | $7.50 | ||
| Q3 25 | $-0.53 | $3.11 | ||
| Q2 25 | $-0.89 | $3.32 | ||
| Q1 25 | $0.92 | $2.33 | ||
| Q4 24 | $-0.50 | $12.29 | ||
| Q3 24 | $-0.22 | $-16.44 | ||
| Q2 24 | $0.20 | $1.36 | ||
| Q1 24 | $0.62 | $1.83 |
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 | $3.2B |
| 总债务越低越好 | $430.1M | $9.7B |
| 股东权益账面价值 | $977.6M | $8.0B |
| 总资产 | $6.3B | $29.5B |
| 负债/权益比越低杠杆越低 | 0.44× | 1.21× |
8季度趋势，按日历期对齐
现金及短期投资OSCRWTW
| Q4 25 | $2.8B | $3.2B | ||
| Q3 25 | $2.1B | $1.9B | ||
| Q2 25 | $2.6B | $2.0B | ||
| Q1 25 | $2.2B | $1.5B | ||
| Q4 24 | $2.2B | $1.9B | ||
| Q3 24 | $1.2B | $1.4B | ||
| Q2 24 | $2.3B | $1.2B | ||
| Q1 24 | $2.2B | $1.9B |
总债务OSCRWTW
| Q4 25 | $430.1M | $9.7B | ||
| Q3 25 | $686.3M | — | ||
| Q2 25 | $299.9M | — | ||
| Q1 25 | $299.7M | — | ||
| Q4 24 | $299.6M | $8.6B | ||
| Q3 24 | $299.4M | — | ||
| Q2 24 | $299.2M | — | ||
| Q1 24 | $299.0M | — |
股东权益OSCRWTW
| Q4 25 | $977.6M | $8.0B | ||
| Q3 25 | $1.0B | $7.7B | ||
| Q2 25 | $1.2B | $8.1B | ||
| Q1 25 | $1.3B | $8.1B | ||
| Q4 24 | $1.0B | $7.9B | ||
| Q3 24 | $1.2B | $7.5B | ||
| Q2 24 | $1.1B | $9.3B | ||
| Q1 24 | $1.0B | $9.5B |
总资产OSCRWTW
| Q4 25 | $6.3B | $29.5B | ||
| Q3 25 | $5.7B | $27.4B | ||
| Q2 25 | $6.4B | $28.5B | ||
| Q1 25 | $5.8B | $28.1B | ||
| Q4 24 | $4.8B | $27.7B | ||
| Q3 24 | $4.5B | $27.2B | ||
| Q2 24 | $5.0B | $29.6B | ||
| Q1 24 | $4.4B | $30.2B |
负债/权益比OSCRWTW
| Q4 25 | 0.44× | 1.21× | ||
| Q3 25 | 0.67× | — | ||
| Q2 25 | 0.26× | — | ||
| Q1 25 | 0.22× | — | ||
| Q4 24 | 0.30× | 1.08× | ||
| 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 | $1.1B | $771.0M |
| 自由现金流经营现金流 - 资本支出 | $1.1B | $708.0M |
| 自由现金流率自由现金流/营收 | 37.7% | 24.6% |
| 资本支出强度资本支出/营收 | 1.3% | 2.2% |
| 现金转化率经营现金流/净利润 | — | 1.05× |
| 过去12个月自由现金流最近4个季度 | $1.5B | $1.5B |
8季度趋势，按日历期对齐
经营现金流OSCRWTW
| Q4 25 | $1.1B | $771.0M | ||
| Q3 25 | $-964.7M | $678.0M | ||
| Q2 25 | $509.1M | $361.0M | ||
| Q1 25 | $878.5M | $-35.0M | ||
| Q4 24 | $978.2M | $599.0M | ||
| Q3 24 | $-500.1M | $482.0M | ||
| Q2 24 | $497.2M | $407.0M | ||
| Q1 24 | $634.4M | $24.0M |
自由现金流OSCRWTW
| Q4 25 | $1.1B | $708.0M | ||
| Q3 25 | $-973.7M | $621.0M | ||
| Q2 25 | $499.8M | $303.0M | ||
| Q1 25 | $869.5M | $-86.0M | ||
| Q4 24 | $950.3M | $543.0M | ||
| Q3 24 | $-507.7M | $419.0M | ||
| Q2 24 | $489.6M | $341.0M | ||
| Q1 24 | $628.4M | $-36.0M |
自由现金流率OSCRWTW
| Q4 25 | 37.7% | 24.6% | ||
| Q3 25 | -32.6% | 27.7% | ||
| Q2 25 | 17.5% | 13.7% | ||
| Q1 25 | 28.5% | -3.9% | ||
| Q4 24 | 39.7% | 18.2% | ||
| Q3 24 | -20.9% | 18.7% | ||
| Q2 24 | 22.1% | 15.4% | ||
| Q1 24 | 29.3% | -1.6% |
资本支出强度OSCRWTW
| Q4 25 | 1.3% | 2.2% | ||
| Q3 25 | 0.3% | 2.5% | ||
| Q2 25 | 0.3% | 2.6% | ||
| Q1 25 | 0.3% | 2.3% | ||
| Q4 24 | 1.2% | 1.9% | ||
| Q3 24 | 0.3% | 2.8% | ||
| Q2 24 | 0.3% | 3.0% | ||
| Q1 24 | 0.3% | 2.6% |
现金转化率OSCRWTW
| Q4 25 | — | 1.05× | ||
| Q3 25 | — | 2.23× | ||
| Q2 25 | — | 1.09× | ||
| Q1 25 | 3.19× | -0.15× | ||
| Q4 24 | — | 0.48× | ||
| Q3 24 | — | — | ||
| Q2 24 | 8.85× | 2.89× | ||
| Q1 24 | 3.58× | 0.13× |
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
WTW
| Health Wealth And Career | $1.7B | 58% |
| GB | $566.0M | 20% |
| Broking | $465.0M | 16% |
| Other | $113.0M | 4% |
| December Thirty One Two Thousand And Twenty Four | $67.0M | 2% |
| IE | $38.0M | 1% |
