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HEALTHEQUITY, INC.（HQY）与GIBRALTAR INDUSTRIES, INC.（ROCK）财务数据对比。点击上方公司名可切换其他公司
HEALTHEQUITY, INC.的季度营收约是GIBRALTAR INDUSTRIES, INC.的1.4倍（$322.2M vs $225.0M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 7.2%），HEALTHEQUITY, INC.自由现金流更多（$137.8M vs $26.2M），过去两年HEALTHEQUITY, INC.的营收复合增速更高（10.8% vs -12.3%）
HealthEquity, Inc.是美国一家金融科技及商业服务企业，拥有美国国税局授予的非银行类健康储蓄受托人资质，无论用户资金存入哪家金融机构，该公司均可作为对应健康储蓄账户的托管方，提供专业账户管理服务。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
HQY vs ROCK — 直观对比
营收规模更大
HQY
是对方的1.4倍
$225.0M
营收增速更快
ROCK
高出17.7%
7.2%
自由现金流更多
HQY
多$111.6M
$26.2M
两年增速更快
HQY
近两年复合增速
-12.3%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $322.2M | $225.0M |
| 净利润 | $51.7M | — |
| 毛利率 | 70.8% | 25.3% |
| 营业利润率 | 24.4% | 7.9% |
| 净利率 | 16.0% | — |
| 营收同比 | 7.2% | 24.9% |
| 净利润同比 | 806.4% | — |
| 每股收益（稀释后） | $0.59 | — |
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HQYROCK
| Q4 25 | $322.2M | $225.0M | ||
| Q3 25 | $325.8M | $310.9M | ||
| Q2 25 | $330.8M | $309.5M | ||
| Q1 25 | $311.8M | $290.0M | ||
| Q4 24 | $300.4M | $180.1M | ||
| Q3 24 | $299.9M | $277.1M | ||
| Q2 24 | $287.6M | $273.6M | ||
| Q1 24 | $262.4M | $292.5M |
净利润HQYROCK
| Q4 25 | $51.7M | — | ||
| Q3 25 | $59.9M | $-89.1M | ||
| Q2 25 | $53.9M | $26.0M | ||
| Q1 25 | $26.4M | $21.1M | ||
| Q4 24 | $5.7M | — | ||
| Q3 24 | $35.8M | $34.0M | ||
| Q2 24 | $28.8M | $32.2M | ||
| Q1 24 | $26.4M | $24.9M |
毛利率HQYROCK
| Q4 25 | 70.8% | 25.3% | ||
| Q3 25 | 71.4% | 26.6% | ||
| Q2 25 | 67.8% | 28.4% | ||
| Q1 25 | 60.6% | 26.8% | ||
| Q4 24 | 65.6% | 29.0% | ||
| Q3 24 | 68.0% | 29.4% | ||
| Q2 24 | 65.1% | 30.5% | ||
| Q1 24 | 63.1% | 28.9% |
营业利润率HQYROCK
| Q4 25 | 24.4% | 7.9% | ||
| Q3 25 | 27.5% | 12.8% | ||
| Q2 25 | 25.1% | 12.8% | ||
| Q1 25 | 13.5% | 8.8% | ||
| Q4 24 | 6.5% | 13.3% | ||
| Q3 24 | 19.6% | 15.6% | ||
| Q2 24 | 14.5% | 14.9% | ||
| Q1 24 | 14.8% | 10.8% |
净利率HQYROCK
| Q4 25 | 16.0% | — | ||
| Q3 25 | 18.4% | -28.6% | ||
| Q2 25 | 16.3% | 8.4% | ||
| Q1 25 | 8.5% | 7.3% | ||
| Q4 24 | 1.9% | — | ||
| Q3 24 | 11.9% | 12.3% | ||
| Q2 24 | 10.0% | 11.8% | ||
| Q1 24 | 10.0% | 8.5% |
每股收益（稀释后）HQYROCK
| Q4 25 | $0.59 | — | ||
| Q3 25 | $0.68 | $-2.98 | ||
| Q2 25 | $0.61 | $0.87 | ||
| Q1 25 | $0.30 | — | ||
| Q4 24 | $0.06 | — | ||
| Q3 24 | $0.40 | $1.11 | ||
| Q2 24 | $0.33 | $1.05 | ||
| Q1 24 | $0.30 | — |
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 | $309.3M | $115.7M |
| 总债务越低越好 | $982.1M | $0 |
| 股东权益账面价值 | $2.1B | $950.4M |
| 总资产 | $3.4B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.46× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资HQYROCK
| Q4 25 | $309.3M | $115.7M | ||
| Q3 25 | $304.5M | $89.4M | ||
| Q2 25 | $287.9M | $43.3M | ||
| Q1 25 | $295.9M | $25.1M | ||
| Q4 24 | $322.2M | $269.5M | ||
| Q3 24 | $326.9M | $228.9M | ||
| Q2 24 | $251.2M | $179.1M | ||
| Q1 24 | $404.0M | $146.7M |
总债务HQYROCK
| Q4 25 | $982.1M | $0 | ||
| Q3 25 | $1.0B | $0 | ||
| Q2 25 | $1.1B | $0 | ||
| Q1 25 | $1.1B | $0 | ||
| Q4 24 | $1.1B | $0 | ||
| Q3 24 | $1.1B | $0 | ||
| Q2 24 | $925.7M | $0 | ||
| Q1 24 | $875.0M | $0 |
股东权益HQYROCK
| Q4 25 | $2.1B | $950.4M | ||
| Q3 25 | $2.1B | $951.8M | ||
| Q2 25 | $2.1B | $1.0B | ||
| Q1 25 | $2.1B | $1.0B | ||
| Q4 24 | $2.1B | $1.0B | ||
| Q3 24 | $2.2B | $1.0B | ||
| Q2 24 | $2.1B | $975.7M | ||
| Q1 24 | $2.0B | $940.2M |
总资产HQYROCK
| Q4 25 | $3.4B | $1.4B | ||
| Q3 25 | $3.4B | $1.4B | ||
| Q2 25 | $3.4B | $1.5B | ||
| Q1 25 | $3.4B | $1.4B | ||
| Q4 24 | $3.5B | $1.4B | ||
| Q3 24 | $3.5B | $1.4B | ||
| Q2 24 | $3.2B | $1.4B | ||
| Q1 24 | $3.2B | $1.3B |
负债/权益比HQYROCK
| Q4 25 | 0.46× | 0.00× | ||
| Q3 25 | 0.47× | 0.00× | ||
| Q2 25 | 0.50× | 0.00× | ||
| Q1 25 | 0.50× | 0.00× | ||
| Q4 24 | 0.51× | 0.00× | ||
| Q3 24 | 0.51× | 0.00× | ||
| Q2 24 | 0.44× | 0.00× | ||
| Q1 24 | 0.43× | 0.00× |
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 | $138.6M | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $137.8M | $26.2M |
| 自由现金流率自由现金流/营收 | 42.8% | 11.7% |
| 资本支出强度资本支出/营收 | 0.2% | 4.1% |
| 现金转化率经营现金流/净利润 | 2.68× | — |
| 过去12个月自由现金流最近4个季度 | $413.0M | $120.6M |
8季度趋势，按日历期对齐
经营现金流HQYROCK
| Q4 25 | $138.6M | $35.5M | ||
| Q3 25 | $135.9M | $73.0M | ||
| Q2 25 | $64.7M | $44.9M | ||
| Q1 25 | $75.7M | $13.7M | ||
| Q4 24 | $90.5M | $19.9M | ||
| Q3 24 | $108.1M | $64.7M | ||
| Q2 24 | $65.4M | $36.5M | ||
| Q1 24 | $77.1M | $53.2M |
自由现金流HQYROCK
| Q4 25 | $137.8M | $26.2M | ||
| Q3 25 | $135.1M | $64.8M | ||
| Q2 25 | $64.7M | $27.3M | ||
| Q1 25 | $75.4M | $2.3M | ||
| Q4 24 | $90.3M | $14.1M | ||
| Q3 24 | $107.4M | $60.5M | ||
| Q2 24 | $64.7M | $33.5M | ||
| Q1 24 | $76.5M | $48.8M |
自由现金流率HQYROCK
| Q4 25 | 42.8% | 11.7% | ||
| Q3 25 | 41.5% | 20.8% | ||
| Q2 25 | 19.5% | 8.8% | ||
| Q1 25 | 24.2% | 0.8% | ||
| Q4 24 | 30.0% | 7.8% | ||
| Q3 24 | 35.8% | 21.8% | ||
| Q2 24 | 22.5% | 12.2% | ||
| Q1 24 | 29.2% | 16.7% |
资本支出强度HQYROCK
| Q4 25 | 0.2% | 4.1% | ||
| Q3 25 | 0.2% | 2.6% | ||
| Q2 25 | 0.0% | 5.7% | ||
| Q1 25 | 0.1% | 3.9% | ||
| Q4 24 | 0.1% | 3.3% | ||
| Q3 24 | 0.2% | 1.5% | ||
| Q2 24 | 0.3% | 1.1% | ||
| Q1 24 | 0.2% | 1.5% |
现金转化率HQYROCK
| Q4 25 | 2.68× | — | ||
| Q3 25 | 2.27× | — | ||
| Q2 25 | 1.20× | 1.73× | ||
| Q1 25 | 2.87× | 0.65× | ||
| Q4 24 | 15.88× | — | ||
| Q3 24 | 3.02× | 1.90× | ||
| Q2 24 | 2.27× | 1.13× | ||
| Q1 24 | 2.92× | 2.13× |
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
HQY
| Financial Service Other | $159.1M | 49% |
| Services | $120.3M | 37% |
| Credit And Debit Card | $42.8M | 13% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
