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HEALTHEQUITY, INC.（HQY）与Revolve Group, Inc.（RVLV）财务数据对比。点击上方公司名可切换其他公司
Revolve Group, Inc.的季度营收约是HEALTHEQUITY, INC.的1.0倍（$324.4M vs $322.2M），HEALTHEQUITY, INC.净利率更高（16.0% vs 5.7%，领先10.3%），Revolve Group, Inc.同比增速更快（10.4% vs 7.2%），HEALTHEQUITY, INC.自由现金流更多（$137.8M vs $-13.3M），过去两年HEALTHEQUITY, INC.的营收复合增速更高（10.8% vs 9.5%）
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。
Revolve Theatre Company是总部位于英国泰晤士河畔亨利的剧团，专注于创作演出政治题材和莎士比亚系列戏剧作品，由奥利弗·登奇、乔·莫里斯与汤姆·史密斯共同创立运营。
HQY vs RVLV — 直观对比
营收规模更大
RVLV
是对方的1.0倍
$322.2M
营收增速更快
RVLV
高出3.2%
7.2%
净利率更高
HQY
高出10.3%
5.7%
自由现金流更多
HQY
多$151.1M
$-13.3M
两年增速更快
HQY
近两年复合增速
9.5%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $322.2M | $324.4M |
| 净利润 | $51.7M | $18.6M |
| 毛利率 | 70.8% | 53.3% |
| 营业利润率 | 24.4% | 6.3% |
| 净利率 | 16.0% | 5.7% |
| 营收同比 | 7.2% | 10.4% |
| 净利润同比 | 806.4% | 50.4% |
| 每股收益（稀释后） | $0.59 | $0.27 |
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HQYRVLV
| Q4 25 | $322.2M | $324.4M | ||
| Q3 25 | $325.8M | $295.6M | ||
| Q2 25 | $330.8M | $309.0M | ||
| Q1 25 | $311.8M | $296.7M | ||
| Q4 24 | $300.4M | $293.7M | ||
| Q3 24 | $299.9M | $283.1M | ||
| Q2 24 | $287.6M | $282.5M | ||
| Q1 24 | $262.4M | $270.6M |
净利润HQYRVLV
| Q4 25 | $51.7M | $18.6M | ||
| Q3 25 | $59.9M | $21.2M | ||
| Q2 25 | $53.9M | $10.2M | ||
| Q1 25 | $26.4M | $11.8M | ||
| Q4 24 | $5.7M | $12.3M | ||
| Q3 24 | $35.8M | $11.0M | ||
| Q2 24 | $28.8M | $15.4M | ||
| Q1 24 | $26.4M | $10.9M |
毛利率HQYRVLV
| Q4 25 | 70.8% | 53.3% | ||
| Q3 25 | 71.4% | 54.6% | ||
| Q2 25 | 67.8% | 54.1% | ||
| Q1 25 | 60.6% | 52.0% | ||
| Q4 24 | 65.6% | 52.5% | ||
| Q3 24 | 68.0% | 51.2% | ||
| Q2 24 | 65.1% | 54.0% | ||
| Q1 24 | 63.1% | 52.3% |
营业利润率HQYRVLV
| Q4 25 | 24.4% | 6.3% | ||
| Q3 25 | 27.5% | 7.1% | ||
| Q2 25 | 25.1% | 5.8% | ||
| Q1 25 | 13.5% | 5.0% | ||
| Q4 24 | 6.5% | 3.9% | ||
| Q3 24 | 19.6% | 5.0% | ||
| Q2 24 | 14.5% | 5.8% | ||
| Q1 24 | 14.8% | 3.4% |
净利率HQYRVLV
| Q4 25 | 16.0% | 5.7% | ||
| Q3 25 | 18.4% | 7.2% | ||
| Q2 25 | 16.3% | 3.3% | ||
| Q1 25 | 8.5% | 4.0% | ||
| Q4 24 | 1.9% | 4.2% | ||
| Q3 24 | 11.9% | 3.9% | ||
| Q2 24 | 10.0% | 5.4% | ||
| Q1 24 | 10.0% | 4.0% |
每股收益（稀释后）HQYRVLV
| Q4 25 | $0.59 | $0.27 | ||
| Q3 25 | $0.68 | $0.29 | ||
| Q2 25 | $0.61 | $0.14 | ||
| Q1 25 | $0.30 | $0.16 | ||
| Q4 24 | $0.06 | $0.18 | ||
| Q3 24 | $0.40 | $0.15 | ||
| Q2 24 | $0.33 | $0.21 | ||
| Q1 24 | $0.30 | $0.15 |
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 | $292.3M |
| 总债务越低越好 | $982.1M | — |
| 股东权益账面价值 | $2.1B | $512.5M |
| 总资产 | $3.4B | $765.0M |
| 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HQYRVLV
| Q4 25 | $309.3M | $292.3M | ||
| Q3 25 | $304.5M | $315.4M | ||
| Q2 25 | $287.9M | $310.7M | ||
| Q1 25 | $295.9M | $300.8M | ||
| Q4 24 | $322.2M | $256.6M | ||
| Q3 24 | $326.9M | $252.8M | ||
| Q2 24 | $251.2M | $244.7M | ||
| Q1 24 | $404.0M | $273.4M |
总债务HQYRVLV
| 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HQYRVLV
| Q4 25 | $2.1B | $512.5M | ||
| Q3 25 | $2.1B | $490.2M | ||
| Q2 25 | $2.1B | $468.6M | ||
| Q1 25 | $2.1B | $453.4M | ||
| Q4 24 | $2.1B | $437.8M | ||
| Q3 24 | $2.2B | $420.8M | ||
| Q2 24 | $2.1B | $405.8M | ||
| Q1 24 | $2.0B | $389.9M |
总资产HQYRVLV
| Q4 25 | $3.4B | $765.0M | ||
| Q3 25 | $3.4B | $751.3M | ||
| Q2 25 | $3.4B | $722.9M | ||
| Q1 25 | $3.4B | $713.9M | ||
| Q4 24 | $3.5B | $665.5M | ||
| Q3 24 | $3.5B | $670.9M | ||
| Q2 24 | $3.2B | $657.8M | ||
| Q1 24 | $3.2B | $650.0M |
负债/权益比HQYRVLV
| 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 | $-10.2M |
| 自由现金流经营现金流 - 资本支出 | $137.8M | $-13.3M |
| 自由现金流率自由现金流/营收 | 42.8% | -4.1% |
| 资本支出强度资本支出/营收 | 0.2% | 1.0% |
| 现金转化率经营现金流/净利润 | 2.68× | -0.55× |
| 过去12个月自由现金流最近4个季度 | $413.0M | $48.0M |
8季度趋势，按日历期对齐
经营现金流HQYRVLV
| Q4 25 | $138.6M | $-10.2M | ||
| Q3 25 | $135.9M | $11.8M | ||
| Q2 25 | $64.7M | $12.6M | ||
| Q1 25 | $75.7M | $45.1M | ||
| Q4 24 | $90.5M | $3.9M | ||
| Q3 24 | $108.1M | $9.1M | ||
| Q2 24 | $65.4M | $-24.7M | ||
| Q1 24 | $77.1M | $38.4M |
自由现金流HQYRVLV
| Q4 25 | $137.8M | $-13.3M | ||
| Q3 25 | $135.1M | $7.5M | ||
| Q2 25 | $64.7M | $10.4M | ||
| Q1 25 | $75.4M | $43.4M | ||
| Q4 24 | $90.3M | $2.1M | ||
| Q3 24 | $107.4M | $8.0M | ||
| Q2 24 | $64.7M | $-25.7M | ||
| Q1 24 | $76.5M | $36.7M |
自由现金流率HQYRVLV
| Q4 25 | 42.8% | -4.1% | ||
| Q3 25 | 41.5% | 2.5% | ||
| Q2 25 | 19.5% | 3.4% | ||
| Q1 25 | 24.2% | 14.6% | ||
| Q4 24 | 30.0% | 0.7% | ||
| Q3 24 | 35.8% | 2.8% | ||
| Q2 24 | 22.5% | -9.1% | ||
| Q1 24 | 29.2% | 13.5% |
资本支出强度HQYRVLV
| Q4 25 | 0.2% | 1.0% | ||
| Q3 25 | 0.2% | 1.5% | ||
| Q2 25 | 0.0% | 0.7% | ||
| Q1 25 | 0.1% | 0.6% | ||
| Q4 24 | 0.1% | 0.6% | ||
| Q3 24 | 0.2% | 0.4% | ||
| Q2 24 | 0.3% | 0.4% | ||
| Q1 24 | 0.2% | 0.6% |
现金转化率HQYRVLV
| Q4 25 | 2.68× | -0.55× | ||
| Q3 25 | 2.27× | 0.56× | ||
| Q2 25 | 1.20× | 1.24× | ||
| Q1 25 | 2.87× | 3.82× | ||
| Q4 24 | 15.88× | 0.32× | ||
| Q3 24 | 3.02× | 0.83× | ||
| Q2 24 | 2.27× | -1.60× | ||
| Q1 24 | 2.92× | 3.53× |
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% |
RVLV
| Fashion Apparel | $155.1M | 48% |
| Dresses | $76.4M | 24% |
| Handbags Shoes And Accessories | $67.6M | 21% |
| Beauty | $20.3M | 6% |
| Manufactured Product Other | $5.0M | 2% |
| Breakage On Store Credit And Gift Cards | $900.0K | 0% |
