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GENWORTH FINANCIAL INC（GNW）与SELECT MEDICAL HOLDINGS CORP（SEM）财务数据对比。点击上方公司名可切换其他公司
GENWORTH FINANCIAL INC的季度营收约是SELECT MEDICAL HOLDINGS CORP的1.3倍（$1.8B vs $1.4B），SELECT MEDICAL HOLDINGS CORP净利率更高（1.4% vs 0.1%，领先1.3%），SELECT MEDICAL HOLDINGS CORP同比增速更快（6.4% vs 0.1%），过去两年SELECT MEDICAL HOLDINGS CORP的营收复合增速更高（2.8% vs -2.2%）
Genworth Financial是总部位于美国弗吉尼亚州里士满的金融服务企业，核心业务涵盖人寿保险、长期护理保险、按揭保险以及年金产品，为客户提供多元风险管理与财富保障解决方案。
Select Medical是总部位于美国宾夕法尼亚州的医疗健康企业，业务涵盖长期急症护理、住院康复医院运营，同时开设有职业健康与物理治疗诊所，母公司Select Medical Holdings在纽约证券交易所挂牌上市。
GNW vs SEM — 直观对比
营收规模更大
GNW
是对方的1.3倍
$1.4B
营收增速更快
SEM
高出6.3%
0.1%
净利率更高
SEM
高出1.3%
0.1%
两年增速更快
SEM
近两年复合增速
-2.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.8B | $1.4B |
| 净利润 | $2.0M | $20.2M |
| 毛利率 | — | — |
| 营业利润率 | 1.0% | 4.6% |
| 净利率 | 0.1% | 1.4% |
| 营收同比 | 0.1% | 6.4% |
| 净利润同比 | 300.0% | 225.7% |
| 每股收益（稀释后） | $0.01 | $0.17 |
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GNWSEM
| Q4 25 | $1.8B | $1.4B | ||
| Q3 25 | $1.9B | $1.4B | ||
| Q2 25 | $1.8B | $1.3B | ||
| Q1 25 | $1.8B | $1.4B | ||
| Q4 24 | $1.8B | $1.3B | ||
| Q3 24 | $1.9B | $1.3B | ||
| Q2 24 | $1.8B | $1.3B | ||
| Q1 24 | $1.9B | $1.3B |
净利润GNWSEM
| Q4 25 | $2.0M | $20.2M | ||
| Q3 25 | $116.0M | $28.8M | ||
| Q2 25 | $51.0M | $40.6M | ||
| Q1 25 | $54.0M | $56.7M | ||
| Q4 24 | $-1.0M | $-16.1M | ||
| Q3 24 | $85.0M | $55.6M | ||
| Q2 24 | $76.0M | $77.6M | ||
| Q1 24 | $139.0M | $96.9M |
营业利润率GNWSEM
| Q4 25 | 1.0% | 4.6% | ||
| Q3 25 | 8.5% | 5.4% | ||
| Q2 25 | 3.8% | 6.5% | ||
| Q1 25 | 2.9% | 8.3% | ||
| Q4 24 | 3.1% | 1.6% | ||
| Q3 24 | 2.6% | 4.3% | ||
| Q2 24 | 7.1% | 5.8% | ||
| Q1 24 | 4.6% | 9.0% |
净利率GNWSEM
| Q4 25 | 0.1% | 1.4% | ||
| Q3 25 | 6.0% | 2.1% | ||
| Q2 25 | 2.8% | 3.0% | ||
| Q1 25 | 3.0% | 4.2% | ||
| Q4 24 | -0.1% | -1.2% | ||
| Q3 24 | 4.5% | 4.4% | ||
| Q2 24 | 4.3% | 6.1% | ||
| Q1 24 | 7.5% | 7.3% |
每股收益（稀释后）GNWSEM
| Q4 25 | $0.01 | $0.17 | ||
| Q3 25 | $0.28 | $0.23 | ||
| Q2 25 | $0.12 | $0.32 | ||
| Q1 25 | $0.13 | $0.44 | ||
| Q4 24 | $0.01 | $-0.12 | ||
| Q3 24 | $0.19 | $0.43 | ||
| Q2 24 | $0.17 | $0.60 | ||
| Q1 24 | $0.31 | $0.75 |
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 | — | $26.5M |
| 总债务越低越好 | $1.5B | $1.8B |
| 股东权益账面价值 | $8.8B | $1.7B |
| 总资产 | $88.1B | $5.9B |
| 负债/权益比越低杠杆越低 | 0.17× | 1.06× |
8季度趋势，按日历期对齐
现金及短期投资GNWSEM
| Q4 25 | — | $26.5M | ||
| Q3 25 | — | $60.1M | ||
| Q2 25 | — | $52.3M | ||
| Q1 25 | — | $53.2M | ||
| Q4 24 | — | $59.7M | ||
| Q3 24 | — | $191.5M | ||
| Q2 24 | — | $111.2M | ||
| Q1 24 | — | $92.6M |
总债务GNWSEM
| Q4 25 | $1.5B | $1.8B | ||
| Q3 25 | $1.5B | $1.7B | ||
| Q2 25 | $1.5B | $1.8B | ||
| Q1 25 | $1.5B | $1.8B | ||
| Q4 24 | $1.5B | $1.7B | ||
| Q3 24 | $1.5B | $3.1B | ||
| Q2 24 | $1.6B | $3.6B | ||
| Q1 24 | $1.6B | $3.8B |
股东权益GNWSEM
| Q4 25 | $8.8B | $1.7B | ||
| Q3 25 | $8.8B | $1.7B | ||
| Q2 25 | $8.8B | $1.7B | ||
| Q1 25 | $8.7B | $1.7B | ||
| Q4 24 | $8.5B | $1.7B | ||
| Q3 24 | $8.3B | $1.9B | ||
| Q2 24 | $8.5B | $1.4B | ||
| Q1 24 | $8.0B | $1.4B |
总资产GNWSEM
| Q4 25 | $88.1B | $5.9B | ||
| Q3 25 | $88.5B | $5.7B | ||
| Q2 25 | $87.3B | $5.7B | ||
| Q1 25 | $87.3B | $5.7B | ||
| Q4 24 | $86.9B | $5.6B | ||
| Q3 24 | $90.8B | $8.0B | ||
| Q2 24 | $87.5B | $7.9B | ||
| Q1 24 | $89.2B | $7.9B |
负债/权益比GNWSEM
| Q4 25 | 0.17× | 1.06× | ||
| Q3 25 | 0.17× | 1.03× | ||
| Q2 25 | 0.17× | 1.10× | ||
| Q1 25 | 0.17× | 1.03× | ||
| Q4 24 | 0.18× | 1.01× | ||
| Q3 24 | 0.19× | 1.62× | ||
| Q2 24 | 0.18× | 2.54× | ||
| Q1 24 | 0.20× | 2.75× |
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 | $200.0M | $64.3M |
| 自由现金流经营现金流 - 资本支出 | — | $5.2M |
| 自由现金流率自由现金流/营收 | — | 0.4% |
| 资本支出强度资本支出/营收 | — | 4.2% |
| 现金转化率经营现金流/净利润 | 100.00× | 3.19× |
| 过去12个月自由现金流最近4个季度 | — | $117.2M |
8季度趋势，按日历期对齐
经营现金流GNWSEM
| Q4 25 | $200.0M | $64.3M | ||
| Q3 25 | $87.0M | $175.3M | ||
| Q2 25 | $6.0M | $110.3M | ||
| Q1 25 | $34.0M | $-3.5M | ||
| Q4 24 | $27.0M | $125.4M | ||
| Q3 24 | $161.0M | $181.0M | ||
| Q2 24 | $7.0M | $278.2M | ||
| Q1 24 | $-107.0M | $-66.7M |
自由现金流GNWSEM
| Q4 25 | — | $5.2M | ||
| Q3 25 | — | $122.2M | ||
| Q2 25 | — | $45.6M | ||
| Q1 25 | — | $-55.8M | ||
| Q4 24 | — | $62.0M | ||
| Q3 24 | — | $130.3M | ||
| Q2 24 | — | $222.6M | ||
| Q1 24 | — | $-119.2M |
自由现金流率GNWSEM
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 9.0% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | -4.1% | ||
| Q4 24 | — | 4.7% | ||
| Q3 24 | — | 10.2% | ||
| Q2 24 | — | 17.4% | ||
| Q1 24 | — | -9.0% |
资本支出强度GNWSEM
| Q4 25 | — | 4.2% | ||
| Q3 25 | — | 3.9% | ||
| Q2 25 | — | 4.8% | ||
| Q1 25 | — | 3.9% | ||
| Q4 24 | — | 4.8% | ||
| Q3 24 | — | 4.0% | ||
| Q2 24 | — | 4.3% | ||
| Q1 24 | — | 4.0% |
现金转化率GNWSEM
| Q4 25 | 100.00× | 3.19× | ||
| Q3 25 | 0.75× | 6.09× | ||
| Q2 25 | 0.12× | 2.72× | ||
| Q1 25 | 0.63× | -0.06× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.89× | 3.25× | ||
| Q2 24 | 0.09× | 3.59× | ||
| Q1 24 | -0.77× | -0.69× |
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
GNW
| Enact Segment | $1.3B | 70% |
| Other | $386.0M | 22% |
| Annuities | $106.0M | 6% |
| Utilities | $20.0M | 1% |
| Consumer Cyclical | $17.0M | 1% |
| Energy | $4.0M | 0% |
SEM
| Critical Illness Recovery Hospitals | $629.7M | 45% |
| Health Care Patient Service Non Medicare | $428.6M | 31% |
| Rehabilitation Hospitals | $339.2M | 24% |
