vs
HEALTHEQUITY, INC.（HQY）与Rapid7, Inc.（RPD）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Rapid7, Inc.的1.5倍（$322.2M vs $217.4M），HEALTHEQUITY, INC.净利率更高（16.0% vs 1.4%，领先14.6%），HEALTHEQUITY, INC.同比增速更快（7.2% vs 0.5%），HEALTHEQUITY, INC.自由现金流更多（$137.8M vs $36.4M），过去两年HEALTHEQUITY, INC.的营收复合增速更高（10.8% vs 3.0%）
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。
Rapid7是全球领先的网络安全企业，提供漏洞管理、威胁检测与响应、云安全、安全分析等全系列安全解决方案，服务全球科技、医疗、金融、制造等行业的各类规模企业及公共部门客户，助力客户高效识别、应对和缓解网络安全风险。
HQY vs RPD — 直观对比
营收规模更大
HQY
是对方的1.5倍
$217.4M
营收增速更快
HQY
高出6.7%
0.5%
净利率更高
HQY
高出14.6%
1.4%
自由现金流更多
HQY
多$101.4M
$36.4M
两年增速更快
HQY
近两年复合增速
3.0%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $322.2M | $217.4M |
| 净利润 | $51.7M | $3.1M |
| 毛利率 | 70.8% | 68.9% |
| 营业利润率 | 24.4% | 1.0% |
| 净利率 | 16.0% | 1.4% |
| 营收同比 | 7.2% | 0.5% |
| 净利润同比 | 806.4% | 44.1% |
| 每股收益（稀释后） | $0.59 | $0.05 |
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HQYRPD
| Q4 25 | $322.2M | $217.4M | ||
| Q3 25 | $325.8M | $218.0M | ||
| Q2 25 | $330.8M | $214.2M | ||
| Q1 25 | $311.8M | $210.3M | ||
| Q4 24 | $300.4M | $216.3M | ||
| Q3 24 | $299.9M | $214.7M | ||
| Q2 24 | $287.6M | $208.0M | ||
| Q1 24 | $262.4M | $205.1M |
净利润HQYRPD
| Q4 25 | $51.7M | $3.1M | ||
| Q3 25 | $59.9M | $9.8M | ||
| Q2 25 | $53.9M | $8.3M | ||
| Q1 25 | $26.4M | $2.1M | ||
| Q4 24 | $5.7M | $2.2M | ||
| Q3 24 | $35.8M | $15.4M | ||
| Q2 24 | $28.8M | $6.5M | ||
| Q1 24 | $26.4M | $1.4M |
毛利率HQYRPD
| Q4 25 | 70.8% | 68.9% | ||
| Q3 25 | 71.4% | 70.2% | ||
| Q2 25 | 67.8% | 70.6% | ||
| Q1 25 | 60.6% | 71.7% | ||
| Q4 24 | 65.6% | 69.5% | ||
| Q3 24 | 68.0% | 70.6% | ||
| Q2 24 | 65.1% | 70.7% | ||
| Q1 24 | 63.1% | 70.3% |
营业利润率HQYRPD
| Q4 25 | 24.4% | 1.0% | ||
| Q3 25 | 27.5% | 2.7% | ||
| Q2 25 | 25.1% | 1.6% | ||
| Q1 25 | 13.5% | -0.0% | ||
| Q4 24 | 6.5% | 3.4% | ||
| Q3 24 | 19.6% | 6.0% | ||
| Q2 24 | 14.5% | 2.5% | ||
| Q1 24 | 14.8% | 4.7% |
净利率HQYRPD
| Q4 25 | 16.0% | 1.4% | ||
| Q3 25 | 18.4% | 4.5% | ||
| Q2 25 | 16.3% | 3.9% | ||
| Q1 25 | 8.5% | 1.0% | ||
| Q4 24 | 1.9% | 1.0% | ||
| Q3 24 | 11.9% | 7.2% | ||
| Q2 24 | 10.0% | 3.1% | ||
| Q1 24 | 10.0% | 0.7% |
每股收益（稀释后）HQYRPD
| Q4 25 | $0.59 | $0.05 | ||
| Q3 25 | $0.68 | $0.15 | ||
| Q2 25 | $0.61 | $0.13 | ||
| Q1 25 | $0.30 | $0.03 | ||
| Q4 24 | $0.06 | $0.08 | ||
| Q3 24 | $0.40 | $0.21 | ||
| Q2 24 | $0.33 | $0.09 | ||
| Q1 24 | $0.30 | $0.02 |
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 | $474.7M |
| 总债务越低越好 | $982.1M | — |
| 股东权益账面价值 | $2.1B | $154.7M |
| 总资产 | $3.4B | $1.7B |
| 负债/权益比越低杠杆越低 | 0.46× | — |
8季度趋势，按日历期对齐
现金及短期投资HQYRPD
| Q4 25 | $309.3M | $474.7M | ||
| Q3 25 | $304.5M | $407.1M | ||
| Q2 25 | $287.9M | $511.7M | ||
| Q1 25 | $295.9M | $493.5M | ||
| Q4 24 | $322.2M | $521.7M | ||
| Q3 24 | $326.9M | $443.7M | ||
| Q2 24 | $251.2M | $442.6M | ||
| Q1 24 | $404.0M | $411.7M |
总债务HQYRPD
| Q4 25 | $982.1M | — | ||
| Q3 25 | $1.0B | — | ||
| Q2 25 | $1.1B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.1B | — | ||
| Q2 24 | $925.7M | — | ||
| Q1 24 | $875.0M | — |
股东权益HQYRPD
| Q4 25 | $2.1B | $154.7M | ||
| Q3 25 | $2.1B | $127.2M | ||
| Q2 25 | $2.1B | $90.4M | ||
| Q1 25 | $2.1B | $52.7M | ||
| Q4 24 | $2.1B | $17.7M | ||
| Q3 24 | $2.2B | $-5.1M | ||
| Q2 24 | $2.1B | $-52.6M | ||
| Q1 24 | $2.0B | $-86.4M |
总资产HQYRPD
| Q4 25 | $3.4B | $1.7B | ||
| Q3 25 | $3.4B | $1.7B | ||
| Q2 25 | $3.4B | $1.6B | ||
| Q1 25 | $3.4B | $1.6B | ||
| Q4 24 | $3.5B | $1.7B | ||
| Q3 24 | $3.5B | $1.6B | ||
| Q2 24 | $3.2B | $1.5B | ||
| Q1 24 | $3.2B | $1.5B |
负债/权益比HQYRPD
| Q4 25 | 0.46× | — | ||
| Q3 25 | 0.47× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.50× | — | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 0.51× | — | ||
| Q2 24 | 0.44× | — | ||
| Q1 24 | 0.43× | — |
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 | $37.6M |
| 自由现金流经营现金流 - 资本支出 | $137.8M | $36.4M |
| 自由现金流率自由现金流/营收 | 42.8% | 16.8% |
| 资本支出强度资本支出/营收 | 0.2% | 0.5% |
| 现金转化率经营现金流/净利润 | 2.68× | 12.01× |
| 过去12个月自由现金流最近4个季度 | $413.0M | $146.2M |
8季度趋势，按日历期对齐
经营现金流HQYRPD
| Q4 25 | $138.6M | $37.6M | ||
| Q3 25 | $135.9M | $39.0M | ||
| Q2 25 | $64.7M | $47.5M | ||
| Q1 25 | $75.7M | $29.8M | ||
| Q4 24 | $90.5M | $63.8M | ||
| Q3 24 | $108.1M | $44.0M | ||
| Q2 24 | $65.4M | $32.9M | ||
| Q1 24 | $77.1M | $31.1M |
自由现金流HQYRPD
| Q4 25 | $137.8M | $36.4M | ||
| Q3 25 | $135.1M | $34.8M | ||
| Q2 25 | $64.7M | $46.6M | ||
| Q1 25 | $75.4M | $28.4M | ||
| Q4 24 | $90.3M | $62.6M | ||
| Q3 24 | $107.4M | $42.6M | ||
| Q2 24 | $64.7M | $32.6M | ||
| Q1 24 | $76.5M | $30.4M |
自由现金流率HQYRPD
| Q4 25 | 42.8% | 16.8% | ||
| Q3 25 | 41.5% | 16.0% | ||
| Q2 25 | 19.5% | 21.8% | ||
| Q1 25 | 24.2% | 13.5% | ||
| Q4 24 | 30.0% | 28.9% | ||
| Q3 24 | 35.8% | 19.9% | ||
| Q2 24 | 22.5% | 15.7% | ||
| Q1 24 | 29.2% | 14.8% |
资本支出强度HQYRPD
| Q4 25 | 0.2% | 0.5% | ||
| Q3 25 | 0.2% | 1.9% | ||
| Q2 25 | 0.0% | 0.4% | ||
| Q1 25 | 0.1% | 0.6% | ||
| Q4 24 | 0.1% | 0.5% | ||
| Q3 24 | 0.2% | 0.6% | ||
| Q2 24 | 0.3% | 0.1% | ||
| Q1 24 | 0.2% | 0.3% |
现金转化率HQYRPD
| Q4 25 | 2.68× | 12.01× | ||
| Q3 25 | 2.27× | 3.97× | ||
| Q2 25 | 1.20× | 5.70× | ||
| Q1 25 | 2.87× | 14.14× | ||
| Q4 24 | 15.88× | 29.36× | ||
| Q3 24 | 3.02× | 2.85× | ||
| Q2 24 | 2.27× | 5.03× | ||
| Q1 24 | 2.92× | 22.10× |
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% |
RPD
| Products | $209.1M | 96% |
| Services | $8.2M | 4% |
