vs
Hagerty, Inc.（HGTY）与SelectQuote, Inc.（SLQT）财务数据对比。点击上方公司名可切换其他公司
SelectQuote, Inc.的季度营收约是Hagerty, Inc.的1.4倍（$537.1M vs $388.1M），SelectQuote, Inc.净利率更高（12.9% vs 7.4%，领先5.5%），Hagerty, Inc.同比增速更快（16.5% vs 11.6%），Hagerty, Inc.自由现金流更多（$194.5M vs $-1.0M），过去两年Hagerty, Inc.的营收复合增速更高（19.5% vs 19.5%）
哈格蒂（Hagerty, Inc.）是美国知名汽车生活方式及会员服务企业，同时是全球规模最大的经典老爷车特种保险供应商，总部位于密歇根州特拉弗斯城，业务范围覆盖加拿大、德国及英国市场。
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。
HGTY vs SLQT — 直观对比
营收规模更大
SLQT
是对方的1.4倍
$388.1M
营收增速更快
HGTY
高出4.8%
11.6%
净利率更高
SLQT
高出5.5%
7.4%
自由现金流更多
HGTY
多$195.5M
$-1.0M
两年增速更快
HGTY
近两年复合增速
19.5%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $388.1M | $537.1M |
| 净利润 | $28.6M | $69.3M |
| 毛利率 | — | 61.8% |
| 营业利润率 | 10.2% | 14.0% |
| 净利率 | 7.4% | 12.9% |
| 营收同比 | 16.5% | 11.6% |
| 净利润同比 | 238.4% | 30.2% |
| 每股收益（稀释后） | — | $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HGTYSLQT
| Q4 25 | $388.1M | $537.1M | ||
| Q3 25 | $380.0M | $328.8M | ||
| Q2 25 | $368.7M | $345.1M | ||
| Q1 25 | $319.6M | $408.2M | ||
| Q4 24 | $333.2M | $481.1M | ||
| Q3 24 | $323.4M | $292.3M | ||
| Q2 24 | $313.2M | $307.2M | ||
| Q1 24 | $271.7M | $376.4M |
净利润HGTYSLQT
| Q4 25 | $28.6M | $69.3M | ||
| Q3 25 | $46.2M | $-30.5M | ||
| Q2 25 | $47.2M | $12.9M | ||
| Q1 25 | $27.3M | $26.0M | ||
| Q4 24 | $8.4M | $53.2M | ||
| Q3 24 | $19.0M | $-44.5M | ||
| Q2 24 | $42.7M | $-31.0M | ||
| Q1 24 | $8.2M | $8.6M |
毛利率HGTYSLQT
| Q4 25 | — | 61.8% | ||
| Q3 25 | — | 41.4% | ||
| Q2 25 | — | 47.2% | ||
| Q1 25 | — | 60.2% | ||
| Q4 24 | — | 67.5% | ||
| Q3 24 | — | 55.7% | ||
| Q2 24 | — | 60.7% | ||
| Q1 24 | — | 71.8% |
营业利润率HGTYSLQT
| Q4 25 | 10.2% | 14.0% | ||
| Q3 25 | 9.0% | -12.4% | ||
| Q2 25 | 12.9% | -3.6% | ||
| Q1 25 | 8.1% | 5.4% | ||
| Q4 24 | 1.8% | 14.7% | ||
| Q3 24 | 3.1% | -4.1% | ||
| Q2 24 | 12.2% | -0.5% | ||
| Q1 24 | 4.5% | 8.8% |
净利率HGTYSLQT
| Q4 25 | 7.4% | 12.9% | ||
| Q3 25 | 12.2% | -9.3% | ||
| Q2 25 | 12.8% | 3.7% | ||
| Q1 25 | 8.5% | 6.4% | ||
| Q4 24 | 2.5% | 11.1% | ||
| Q3 24 | 5.9% | -15.2% | ||
| Q2 24 | 13.6% | -10.1% | ||
| Q1 24 | 3.0% | 2.3% |
每股收益（稀释后）HGTYSLQT
| Q4 25 | — | $0.26 | ||
| Q3 25 | — | $-0.26 | ||
| Q2 25 | — | $-0.06 | ||
| Q1 25 | — | $0.03 | ||
| Q4 24 | — | $0.30 | ||
| Q3 24 | — | $-0.26 | ||
| Q2 24 | — | $-0.17 | ||
| Q1 24 | — | $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 | $160.2M | $18.3M |
| 总债务越低越好 | $177.9M | $405.8M |
| 股东权益账面价值 | $221.3M | $359.7M |
| 总资产 | $2.1B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.80× | 1.13× |
8季度趋势，按日历期对齐
现金及短期投资HGTYSLQT
| Q4 25 | $160.2M | $18.3M | ||
| Q3 25 | $290.5M | $10.7M | ||
| Q2 25 | $259.6M | $32.4M | ||
| Q1 25 | $232.7M | $80.1M | ||
| Q4 24 | $178.7M | $7.3M | ||
| Q3 24 | $208.9M | $10.4M | ||
| Q2 24 | $186.4M | $42.7M | ||
| Q1 24 | $131.2M | $37.8M |
总债务HGTYSLQT
| Q4 25 | $177.9M | $405.8M | ||
| Q3 25 | $104.4M | $393.1M | ||
| Q2 25 | $153.4M | $385.1M | ||
| Q1 25 | $132.6M | $391.5M | ||
| Q4 24 | $105.8M | $711.9M | ||
| Q3 24 | $122.9M | $680.4M | ||
| Q2 24 | $98.0M | $683.3M | ||
| Q1 24 | $91.5M | $686.0M |
股东权益HGTYSLQT
| Q4 25 | $221.3M | $359.7M | ||
| Q3 25 | $211.7M | $305.1M | ||
| Q2 25 | $172.3M | $351.1M | ||
| Q1 25 | $162.9M | $350.2M | ||
| Q4 24 | $150.3M | $326.0M | ||
| Q3 24 | $148.3M | $269.4M | ||
| Q2 24 | $94.4M | $316.8M | ||
| Q1 24 | $93.5M | $346.8M |
总资产HGTYSLQT
| Q4 25 | $2.1B | $1.4B | ||
| Q3 25 | $2.2B | $1.2B | ||
| Q2 25 | $2.0B | $1.2B | ||
| Q1 25 | $1.8B | $1.3B | ||
| Q4 24 | $1.7B | $1.3B | ||
| Q3 24 | $1.8B | $1.1B | ||
| Q2 24 | $1.7B | $1.2B | ||
| Q1 24 | $1.6B | $1.2B |
负债/权益比HGTYSLQT
| Q4 25 | 0.80× | 1.13× | ||
| Q3 25 | 0.49× | 1.29× | ||
| Q2 25 | 0.89× | 1.10× | ||
| Q1 25 | 0.81× | 1.12× | ||
| Q4 24 | 0.70× | 2.18× | ||
| Q3 24 | 0.83× | 2.53× | ||
| Q2 24 | 1.04× | 2.16× | ||
| Q1 24 | 0.98× | 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 | $219.0M | $52.0K |
| 自由现金流经营现金流 - 资本支出 | $194.5M | $-1.0M |
| 自由现金流率自由现金流/营收 | 50.1% | -0.2% |
| 资本支出强度资本支出/营收 | 6.3% | 0.2% |
| 现金转化率经营现金流/净利润 | 7.67× | 0.00× |
| 过去12个月自由现金流最近4个季度 | $365.8M | $8.5M |
8季度趋势，按日历期对齐
经营现金流HGTYSLQT
| Q4 25 | $219.0M | $52.0K | ||
| Q3 25 | $92.2M | $-21.6M | ||
| Q2 25 | $53.9M | $-37.5M | ||
| Q1 25 | $43.8M | $71.1M | ||
| Q4 24 | $177.0M | $-28.7M | ||
| Q3 24 | $67.4M | $-16.6M | ||
| Q2 24 | $64.0M | $20.0M | ||
| Q1 24 | $58.2M | $44.5M |
自由现金流HGTYSLQT
| Q4 25 | $194.5M | $-1.0M | ||
| Q3 25 | $85.2M | $-22.7M | ||
| Q2 25 | $47.7M | $-38.0M | ||
| Q1 25 | $38.4M | $70.2M | ||
| Q4 24 | $155.7M | $-29.0M | ||
| Q3 24 | $62.0M | $-17.1M | ||
| Q2 24 | $56.6M | $19.7M | ||
| Q1 24 | $53.7M | $43.4M |
自由现金流率HGTYSLQT
| Q4 25 | 50.1% | -0.2% | ||
| Q3 25 | 22.4% | -6.9% | ||
| Q2 25 | 12.9% | -11.0% | ||
| Q1 25 | 12.0% | 17.2% | ||
| Q4 24 | 46.7% | -6.0% | ||
| Q3 24 | 19.2% | -5.8% | ||
| Q2 24 | 18.1% | 6.4% | ||
| Q1 24 | 19.8% | 11.5% |
资本支出强度HGTYSLQT
| Q4 25 | 6.3% | 0.2% | ||
| Q3 25 | 1.8% | 0.3% | ||
| Q2 25 | 1.7% | 0.1% | ||
| Q1 25 | 1.7% | 0.2% | ||
| Q4 24 | 6.4% | 0.1% | ||
| Q3 24 | 1.7% | 0.2% | ||
| Q2 24 | 2.4% | 0.1% | ||
| Q1 24 | 1.7% | 0.3% |
现金转化率HGTYSLQT
| Q4 25 | 7.67× | 0.00× | ||
| Q3 25 | 2.00× | — | ||
| Q2 25 | 1.14× | -2.91× | ||
| Q1 25 | 1.61× | 2.73× | ||
| Q4 24 | 20.97× | -0.54× | ||
| Q3 24 | 3.55× | — | ||
| Q2 24 | 1.50× | — | ||
| Q1 24 | 7.10× | 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
HGTY
暂无分部数据
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% |
