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盖尔斯（GES）与SelectQuote, Inc.（SLQT）财务数据对比。点击上方公司名可切换其他公司
盖尔斯的季度营收约是SelectQuote, Inc.的1.5倍（$791.4M vs $537.1M），SelectQuote, Inc.净利率更高（12.9% vs 3.2%，领先9.7%），SelectQuote, Inc.同比增速更快（11.6% vs 7.2%），SelectQuote, Inc.自由现金流更多（$-1.0M vs $-56.3M），过去两年SelectQuote, Inc.的营收复合增速更高（19.5% vs -5.8%）
盖尔斯是美国知名服饰品牌企业，以标志性的黑白风格广告广为人知。除核心服饰产品外，品牌还通过品牌授权模式推出腕表、珠宝、香水、包袋、鞋履等各类时尚配饰，在全球时尚消费市场拥有较高知名度。
SelectQuote是面向消费者的直售平台，主营保险产品与医疗服务业务，通过对接消费者与保险机构获取佣金，覆盖长者健康险、人寿险、车险、家财险等品类，医疗服务板块以认证药房SelectRx为核心业务，公司于2020年5月上市。
GES vs SLQT — 直观对比
营收规模更大
GES
是对方的1.5倍
$537.1M
营收增速更快
SLQT
高出4.5%
7.2%
净利率更高
SLQT
高出9.7%
3.2%
自由现金流更多
SLQT
多$55.3M
$-56.3M
两年增速更快
SLQT
近两年复合增速
-5.8%
损益表 — Q3 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $791.4M | $537.1M |
| 净利润 | $25.6M | $69.3M |
| 毛利率 | 42.5% | 61.8% |
| 营业利润率 | 2.9% | 14.0% |
| 净利率 | 3.2% | 12.9% |
| 营收同比 | 7.2% | 11.6% |
| 净利润同比 | 209.6% | 30.2% |
| 每股收益（稀释后） | $0.48 | $0.26 |
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GESSLQT
| Q4 25 | $791.4M | $537.1M | ||
| Q3 25 | $772.9M | $328.8M | ||
| Q2 25 | $647.8M | $345.1M | ||
| Q1 25 | $932.3M | $408.2M | ||
| Q4 24 | $738.5M | $481.1M | ||
| Q3 24 | $732.6M | $292.3M | ||
| Q2 24 | $591.9M | $307.2M | ||
| Q1 24 | $891.0M | $376.4M |
净利润GESSLQT
| Q4 25 | $25.6M | $69.3M | ||
| Q3 25 | $6.2M | $-30.5M | ||
| Q2 25 | $-32.9M | $12.9M | ||
| Q1 25 | $81.4M | $26.0M | ||
| Q4 24 | $-23.4M | $53.2M | ||
| Q3 24 | $-10.6M | $-44.5M | ||
| Q2 24 | $13.0M | $-31.0M | ||
| Q1 24 | $115.3M | $8.6M |
毛利率GESSLQT
| Q4 25 | 42.5% | 61.8% | ||
| Q3 25 | 42.5% | 41.4% | ||
| Q2 25 | 39.9% | 47.2% | ||
| Q1 25 | 44.1% | 60.2% | ||
| Q4 24 | 43.6% | 67.5% | ||
| Q3 24 | 43.7% | 55.7% | ||
| Q2 24 | 41.9% | 60.7% | ||
| Q1 24 | 45.4% | 71.8% |
营业利润率GESSLQT
| Q4 25 | 2.9% | 14.0% | ||
| Q3 25 | 2.3% | -12.4% | ||
| Q2 25 | -5.1% | -3.6% | ||
| Q1 25 | 11.1% | 5.4% | ||
| Q4 24 | 5.7% | 14.7% | ||
| Q3 24 | 6.5% | -4.1% | ||
| Q2 24 | -3.4% | -0.5% | ||
| Q1 24 | 16.3% | 8.8% |
净利率GESSLQT
| Q4 25 | 3.2% | 12.9% | ||
| Q3 25 | 0.8% | -9.3% | ||
| Q2 25 | -5.1% | 3.7% | ||
| Q1 25 | 8.7% | 6.4% | ||
| Q4 24 | -3.2% | 11.1% | ||
| Q3 24 | -1.4% | -15.2% | ||
| Q2 24 | 2.2% | -10.1% | ||
| Q1 24 | 12.9% | 2.3% |
每股收益（稀释后）GESSLQT
| Q4 25 | $0.48 | $0.26 | ||
| Q3 25 | $0.12 | $-0.26 | ||
| Q2 25 | $-0.65 | $-0.06 | ||
| Q1 25 | $1.29 | $0.03 | ||
| Q4 24 | $-0.47 | $0.30 | ||
| Q3 24 | $-0.28 | $-0.26 | ||
| Q2 24 | $0.23 | $-0.17 | ||
| Q1 24 | $1.90 | $0.05 |
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 | $154.2M | $18.3M |
| 总债务越低越好 | $299.5M | $405.8M |
| 股东权益账面价值 | $508.5M | $359.7M |
| 总资产 | $3.0B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.59× | 1.13× |
8季度趋势，按日历期对齐
现金及短期投资GESSLQT
| Q4 25 | $154.2M | $18.3M | ||
| Q3 25 | $189.6M | $10.7M | ||
| Q2 25 | $151.2M | $32.4M | ||
| Q1 25 | $187.7M | $80.1M | ||
| Q4 24 | $140.9M | $7.3M | ||
| Q3 24 | $218.9M | $10.4M | ||
| Q2 24 | $241.7M | $42.7M | ||
| Q1 24 | $360.3M | $37.8M |
总债务GESSLQT
| Q4 25 | $299.5M | $405.8M | ||
| Q3 25 | $258.4M | $393.1M | ||
| Q2 25 | $241.7M | $385.1M | ||
| Q1 25 | $150.7M | $391.5M | ||
| Q4 24 | $238.3M | $711.9M | ||
| Q3 24 | $187.8M | $680.4M | ||
| Q2 24 | $196.9M | $683.3M | ||
| Q1 24 | $28.2M | $686.0M |
股东权益GESSLQT
| Q4 25 | $508.5M | $359.7M | ||
| Q3 25 | $487.6M | $305.1M | ||
| Q2 25 | $483.6M | $351.1M | ||
| Q1 25 | $505.0M | $350.2M | ||
| Q4 24 | $450.7M | $326.0M | ||
| Q3 24 | $491.2M | $269.4M | ||
| Q2 24 | $565.5M | $316.8M | ||
| Q1 24 | $684.9M | $346.8M |
总资产GESSLQT
| Q4 25 | $3.0B | $1.4B | ||
| Q3 25 | $3.0B | $1.2B | ||
| Q2 25 | $2.9B | $1.2B | ||
| Q1 25 | $2.8B | $1.3B | ||
| Q4 24 | $2.8B | $1.3B | ||
| Q3 24 | $2.8B | $1.1B | ||
| Q2 24 | $2.7B | $1.2B | ||
| Q1 24 | $2.6B | $1.2B |
负债/权益比GESSLQT
| Q4 25 | 0.59× | 1.13× | ||
| Q3 25 | 0.53× | 1.29× | ||
| Q2 25 | 0.50× | 1.10× | ||
| Q1 25 | 0.30× | 1.12× | ||
| Q4 24 | 0.53× | 2.18× | ||
| Q3 24 | 0.38× | 2.53× | ||
| Q2 24 | 0.35× | 2.16× | ||
| Q1 24 | 0.04× | 1.98× |
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 | $-39.5M | $52.0K |
| 自由现金流经营现金流 - 资本支出 | $-56.3M | $-1.0M |
| 自由现金流率自由现金流/营收 | -7.1% | -0.2% |
| 资本支出强度资本支出/营收 | 2.1% | 0.2% |
| 现金转化率经营现金流/净利润 | -1.54× | 0.00× |
| 过去12个月自由现金流最近4个季度 | $62.5M | $8.5M |
8季度趋势，按日历期对齐
经营现金流GESSLQT
| Q4 25 | $-39.5M | $52.0K | ||
| Q3 25 | $74.9M | $-21.6M | ||
| Q2 25 | $-73.4M | $-37.5M | ||
| Q1 25 | $183.2M | $71.1M | ||
| Q4 24 | $-83.3M | $-28.7M | ||
| Q3 24 | $44.7M | $-16.6M | ||
| Q2 24 | $-22.9M | $20.0M | ||
| Q1 24 | $289.5M | $44.5M |
自由现金流GESSLQT
| Q4 25 | $-56.3M | $-1.0M | ||
| Q3 25 | $53.4M | $-22.7M | ||
| Q2 25 | $-95.3M | $-38.0M | ||
| Q1 25 | $160.7M | $70.2M | ||
| Q4 24 | $-105.4M | $-29.0M | ||
| Q3 24 | $24.3M | $-17.1M | ||
| Q2 24 | $-44.0M | $19.7M | ||
| Q1 24 | $267.8M | $43.4M |
自由现金流率GESSLQT
| Q4 25 | -7.1% | -0.2% | ||
| Q3 25 | 6.9% | -6.9% | ||
| Q2 25 | -14.7% | -11.0% | ||
| Q1 25 | 17.2% | 17.2% | ||
| Q4 24 | -14.3% | -6.0% | ||
| Q3 24 | 3.3% | -5.8% | ||
| Q2 24 | -7.4% | 6.4% | ||
| Q1 24 | 30.1% | 11.5% |
资本支出强度GESSLQT
| Q4 25 | 2.1% | 0.2% | ||
| Q3 25 | 2.8% | 0.3% | ||
| Q2 25 | 3.4% | 0.1% | ||
| Q1 25 | 2.4% | 0.2% | ||
| Q4 24 | 3.0% | 0.1% | ||
| Q3 24 | 2.8% | 0.2% | ||
| Q2 24 | 3.6% | 0.1% | ||
| Q1 24 | 2.4% | 0.3% |
现金转化率GESSLQT
| Q4 25 | -1.54× | 0.00× | ||
| Q3 25 | 12.00× | — | ||
| Q2 25 | — | -2.91× | ||
| Q1 25 | 2.25× | 2.73× | ||
| Q4 24 | — | -0.54× | ||
| Q3 24 | — | — | ||
| Q2 24 | -1.76× | — | ||
| Q1 24 | 2.51× | 5.20× |
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
GES
| Products | $760.3M | 96% |
| Royalty | $31.1M | 4% |
SLQT
| Healthcare Services Segment | $230.7M | 43% |
| Pharmacy | $227.2M | 42% |
| Other | $30.4M | 6% |
| Final Expense | $20.4M | 4% |
| Term | $18.5M | 3% |
| Other Senior | $6.3M | 1% |
| All Other Revenue | $3.9M | 1% |
