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OCTAVE SPECIALTY GROUP INC（OSG）与RADIAN GROUP INC（RDN）财务数据对比。点击上方公司名可切换其他公司
RADIAN GROUP INC的季度营收约是OCTAVE SPECIALTY GROUP INC的6.4倍（$257.8M vs $40.2M）。RADIAN GROUP INC净利率更高（60.1% vs -73.8%，领先133.8%）。OCTAVE SPECIALTY GROUP INC同比增速更快（5.8% vs -18.4%）。过去两年OCTAVE SPECIALTY GROUP INC的营收复合增速更高（50.6% vs -10.2%）
奥克塔夫专业集团是一家专业保险控股企业，主营定制化财产与意外伤害保险产品，核心业务聚焦超额剩余保险领域，为北美地区的商业及个人客户提供定制化风险保障解决方案。
瑞迪安集团（Radian Group Inc.）是一家专业的 mortgage 保险公司，业务涵盖抵押贷款保险、风险管控、房地产服务及产权服务等多个板块，为住房金融市场提供完善的配套服务支持，助力行业降低信贷相关风险。
OSG vs RDN — 直观对比
营收规模更大
RDN
是对方的6.4倍
$40.2M
营收增速更快
OSG
高出24.2%
-18.4%
净利率更高
RDN
高出133.8%
-73.8%
两年增速更快
OSG
近两年复合增速
-10.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $40.2M | $257.8M |
| 净利润 | $-29.7M | $154.8M |
| 毛利率 | — | — |
| 营业利润率 | -76.7% | 88.9% |
| 净利率 | -73.8% | 60.1% |
| 营收同比 | 5.8% | -18.4% |
| 净利润同比 | -41.7% | 4.4% |
| 每股收益（稀释后） | $-0.82 | $1.11 |
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OSGRDN
| Q4 25 | $40.2M | $257.8M | ||
| Q3 25 | $36.1M | $303.2M | ||
| Q2 25 | $30.3M | $318.0M | ||
| Q1 25 | $36.8M | $318.1M | ||
| Q4 24 | $38.0M | $315.9M | ||
| Q3 24 | $23.1M | $333.9M | ||
| Q2 24 | $13.2M | $321.1M | ||
| Q1 24 | $17.7M | $319.4M |
净利润OSGRDN
| Q4 25 | $-29.7M | $154.8M | ||
| Q3 25 | $-112.6M | $141.4M | ||
| Q2 25 | $-72.7M | $141.8M | ||
| Q1 25 | $-44.7M | $144.6M | ||
| Q4 24 | $-20.9M | $148.3M | ||
| Q3 24 | $-27.5M | $151.9M | ||
| Q2 24 | $-750.0K | $151.9M | ||
| Q1 24 | $20.8M | $152.4M |
毛利率OSGRDN
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 97.4% | ||
| Q1 25 | — | 97.2% | ||
| Q4 24 | — | 96.9% | ||
| Q3 24 | — | 97.1% | ||
| Q2 24 | — | 97.0% | ||
| Q1 24 | — | 97.1% |
营业利润率OSGRDN
| Q4 25 | -76.7% | 88.9% | ||
| Q3 25 | -89.0% | 65.5% | ||
| Q2 25 | -75.8% | 55.0% | ||
| Q1 25 | -41.1% | 59.2% | ||
| Q4 24 | -55.5% | 59.9% | ||
| Q3 24 | -90.0% | 58.5% | ||
| Q2 24 | -111.6% | 58.6% | ||
| Q1 24 | -18.3% | 62.2% |
净利率OSGRDN
| Q4 25 | -73.8% | 60.1% | ||
| Q3 25 | -312.3% | 46.7% | ||
| Q2 25 | -239.8% | 44.6% | ||
| Q1 25 | -121.7% | 45.4% | ||
| Q4 24 | -55.1% | 46.9% | ||
| Q3 24 | -119.2% | 45.5% | ||
| Q2 24 | -5.7% | 47.3% | ||
| Q1 24 | 117.2% | 47.7% |
每股收益（稀释后）OSGRDN
| Q4 25 | $-0.82 | $1.11 | ||
| Q3 25 | $-2.35 | $1.03 | ||
| Q2 25 | $-1.54 | $1.02 | ||
| Q1 25 | $-1.22 | $0.98 | ||
| Q4 24 | $-11.75 | $0.97 | ||
| Q3 24 | $-0.63 | $0.99 | ||
| Q2 24 | $-0.02 | $0.98 | ||
| Q1 24 | $0.44 | $0.98 |
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 | $146.4M | $24.8M |
| 总债务越低越好 | $117.6M | — |
| 股东权益账面价值 | $715.8M | $4.8B |
| 总资产 | $2.2B | $8.1B |
| 负债/权益比越低杠杆越低 | 0.16× | — |
8季度趋势，按日历期对齐
现金及短期投资OSGRDN
| Q4 25 | $146.4M | $24.8M | ||
| Q3 25 | $27.5M | $15.3M | ||
| Q2 25 | $22.5M | $22.1M | ||
| Q1 25 | $34.1M | $24.2M | ||
| Q4 24 | $157.2M | $38.8M | ||
| Q3 24 | $40.8M | $28.1M | ||
| Q2 24 | $14.6M | $13.8M | ||
| Q1 24 | $13.8M | $27.0M |
总债务OSGRDN
| Q4 25 | $117.6M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | $518.0M | — | ||
| Q2 24 | $515.0M | — | ||
| Q1 24 | $512.0M | — |
股东权益OSGRDN
| Q4 25 | $715.8M | $4.8B | ||
| Q3 25 | $843.4M | $4.7B | ||
| Q2 25 | $859.8M | $4.5B | ||
| Q1 25 | $852.2M | $4.6B | ||
| Q4 24 | $798.4M | $4.6B | ||
| Q3 24 | $1.5B | $4.7B | ||
| Q2 24 | $1.4B | $4.5B | ||
| Q1 24 | $1.4B | $4.4B |
总资产OSGRDN
| Q4 25 | $2.2B | $8.1B | ||
| Q3 25 | $2.1B | $8.2B | ||
| Q2 25 | $8.5B | $9.6B | ||
| Q1 25 | $8.3B | $8.8B | ||
| Q4 24 | $8.1B | $8.7B | ||
| Q3 24 | $9.3B | $8.4B | ||
| Q2 24 | $8.2B | $8.1B | ||
| Q1 24 | $8.4B | $7.8B |
负债/权益比OSGRDN
| Q4 25 | 0.16× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | 0.35× | — | ||
| Q2 24 | 0.38× | — | ||
| Q1 24 | 0.38× | — |
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 | — | $407.0M |
| 自由现金流经营现金流 - 资本支出 | — | $406.1M |
| 自由现金流率自由现金流/营收 | — | 157.5% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | — | 2.63× |
| 过去12个月自由现金流最近4个季度 | — | $115.7M |
8季度趋势，按日历期对齐
经营现金流OSGRDN
| Q4 25 | — | $407.0M | ||
| Q3 25 | $-41.2M | $358.4M | ||
| Q2 25 | $2.1M | $-713.3M | ||
| Q1 25 | $-12.6M | $67.8M | ||
| Q4 24 | — | $-269.4M | ||
| Q3 24 | $48.9M | $-237.9M | ||
| Q2 24 | $20.4M | $-207.3M | ||
| Q1 24 | $7.1M | $51.0M |
自由现金流OSGRDN
| Q4 25 | — | $406.1M | ||
| Q3 25 | — | $357.6M | ||
| Q2 25 | — | $-714.6M | ||
| Q1 25 | — | $66.6M | ||
| Q4 24 | — | $-269.8M | ||
| Q3 24 | — | $-238.1M | ||
| Q2 24 | — | $-208.3M | ||
| Q1 24 | — | $49.5M |
自由现金流率OSGRDN
| Q4 25 | — | 157.5% | ||
| Q3 25 | — | 117.9% | ||
| Q2 25 | — | -224.7% | ||
| Q1 25 | — | 20.9% | ||
| Q4 24 | — | -85.4% | ||
| Q3 24 | — | -71.3% | ||
| Q2 24 | — | -64.9% | ||
| Q1 24 | — | 15.5% |
资本支出强度OSGRDN
| Q4 25 | — | 0.3% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.4% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.3% | ||
| Q1 24 | — | 0.5% |
现金转化率OSGRDN
| Q4 25 | — | 2.63× | ||
| Q3 25 | — | 2.53× | ||
| Q2 25 | — | -5.03× | ||
| Q1 25 | — | 0.47× | ||
| Q4 24 | — | -1.82× | ||
| Q3 24 | — | -1.57× | ||
| Q2 24 | — | -1.36× | ||
| Q1 24 | 0.34× | 0.34× |
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
OSG
| Specialty Property Casualty Program | $23.1M | 57% |
| Accident Health | $9.6M | 24% |
| Specialty Automobile | $3.1M | 8% |
| Niche Specialty Risks | $2.4M | 6% |
| Other | $2.0M | 5% |
RDN
暂无分部数据
