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BYLINE BANCORP, INC.（BY）とRepay Holdings Corp（RPAY）の財務データ比較。上の社名をクリックして会社を切り替えられます
BYLINE BANCORP, INC.の直近四半期売上が大きい（$112.4M vs $78.6M、Repay Holdings Corpの約1.4倍）。BYLINE BANCORP, INC.の純利益率が高く（33.4% vs -178.3%、差は211.7%）。BYLINE BANCORP, INC.の前年同期比売上増加率が高い（9.0% vs 0.4%）。過去8四半期でBYLINE BANCORP, INC.の売上複合成長率が高い（6.4% vs -1.3%）
Byline Bankは米国イリノイ州シカゴに本社を置く銀行で、銀行持株会社Byline Bancorp, Inc.の主要子会社です。米国SBA 7(a)ローンプログラムの第4位の貸し手として、顧客に各種銀行サービスや融資ソリューションを提供しています。
Repay Holdings Corpは北米を主要市場とする決済テクノロジー企業で、小売、医療、自動車サービス、電子商取引などの業種の企業向けに、クレジット・デビットカード決済処理、ACH送金、POSシステム連携を含む統合決済ソリューションを提供し、顧客の業務効率化を支援しています。
BY vs RPAY — 直接比較
損益計算書 — Q1 FY2026 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $112.4M | $78.6M |
| 純利益 | $37.6M | $-140.1M |
| 粗利率 | — | 74.2% |
| 営業利益率 | — | -182.2% |
| 純利益率 | 33.4% | -178.3% |
| 売上前年比 | 9.0% | 0.4% |
| 純利益前年比 | 33.0% | -3304.1% |
| EPS（希薄化後） | $0.83 | $-1.68 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $78.6M | ||
| Q3 25 | $115.7M | $77.7M | ||
| Q2 25 | $110.5M | $75.6M | ||
| Q1 25 | $103.1M | $77.3M | ||
| Q4 24 | $104.7M | $78.3M | ||
| Q3 24 | $101.8M | $79.1M | ||
| Q2 24 | $99.4M | $74.9M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-140.1M | ||
| Q3 25 | $37.2M | $-6.4M | ||
| Q2 25 | $30.1M | $-102.3M | ||
| Q1 25 | $28.2M | $-7.9M | ||
| Q4 24 | $30.3M | $-4.1M | ||
| Q3 24 | $30.3M | $3.2M | ||
| Q2 24 | $29.7M | $-4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | -182.2% | ||
| Q3 25 | 43.1% | -3.9% | ||
| Q2 25 | 35.2% | -138.7% | ||
| Q1 25 | 36.4% | -4.7% | ||
| Q4 24 | 38.6% | -1.5% | ||
| Q3 24 | 39.3% | -0.9% | ||
| Q2 24 | 40.4% | -4.6% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -178.3% | ||
| Q3 25 | 32.1% | -8.3% | ||
| Q2 25 | 27.2% | -135.2% | ||
| Q1 25 | 27.4% | -10.3% | ||
| Q4 24 | 34.3% | -5.3% | ||
| Q3 24 | 29.8% | 4.1% | ||
| Q2 24 | 29.9% | -5.4% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $-1.68 | ||
| Q3 25 | $0.82 | $-0.08 | ||
| Q2 25 | $0.66 | $-1.15 | ||
| Q1 25 | $0.64 | $-0.09 | ||
| Q4 24 | $0.68 | $-0.04 | ||
| Q3 24 | $0.69 | $0.03 | ||
| Q2 24 | $0.68 | $-0.04 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $198.4M | $115.7M |
| 総負債低いほど良い | — | $280.1M |
| 株主資本純資産 | $1.3B | $484.4M |
| 総資産 | $9.9B | $1.2B |
| 負債/資本比率低いほどレバレッジが低い | — | 0.58× |
8四半期トレンド — 暦四半期で整列
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $115.7M | ||
| Q3 25 | $259.0M | $95.7M | ||
| Q2 25 | $218.3M | $162.6M | ||
| Q1 25 | $421.3M | $165.5M | ||
| Q4 24 | $563.1M | $189.5M | ||
| Q3 24 | $452.6M | $168.7M | ||
| Q2 24 | $730.5M | $147.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $484.4M | ||
| Q3 25 | $1.2B | $616.9M | ||
| Q2 25 | $1.2B | $633.7M | ||
| Q1 25 | $1.1B | $755.7M | ||
| Q4 24 | $1.1B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.0B | $815.4M |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $1.2B | ||
| Q3 25 | $9.8B | $1.3B | ||
| Q2 25 | $9.7B | $1.4B | ||
| Q1 25 | $9.6B | $1.5B | ||
| Q4 24 | $9.5B | $1.6B | ||
| Q3 24 | $9.4B | $1.6B | ||
| Q2 24 | $9.6B | $1.5B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | — | $23.3M |
| フリーキャッシュフロー営業CF - 設備投資 | — | $23.2M |
| FCFマージンFCF / 売上 | — | 29.6% |
| 設備投資強度設備投資 / 売上 | — | 0.1% |
| キャッシュ転換率営業CF / 純利益 | — | — |
| 直近12ヶ月FCF直近4四半期 | — | $90.7M |
8四半期トレンド — 暦四半期で整列
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $23.3M | ||
| Q3 25 | $38.3M | $32.2M | ||
| Q2 25 | $16.3M | $33.1M | ||
| Q1 25 | $27.1M | $2.5M | ||
| Q4 24 | $175.2M | $34.3M | ||
| Q3 24 | $19.8M | $60.1M | ||
| Q2 24 | $40.1M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $23.2M | ||
| Q3 25 | $38.0M | $32.1M | ||
| Q2 25 | $15.2M | $33.0M | ||
| Q1 25 | $25.0M | $2.4M | ||
| Q4 24 | $171.2M | $34.0M | ||
| Q3 24 | $19.1M | $59.8M | ||
| Q2 24 | $39.4M | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 29.6% | ||
| Q3 25 | 32.8% | 41.3% | ||
| Q2 25 | 13.7% | 43.6% | ||
| Q1 25 | 24.3% | 3.0% | ||
| Q4 24 | 163.5% | 43.5% | ||
| Q3 24 | 18.8% | 75.6% | ||
| Q2 24 | 39.7% | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 0.1% | ||
| Q3 25 | 0.3% | 0.2% | ||
| Q2 25 | 1.0% | 0.1% | ||
| Q1 25 | 2.0% | 0.2% | ||
| Q4 24 | 3.8% | 0.3% | ||
| Q3 24 | 0.6% | 0.3% | ||
| Q2 24 | 0.7% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | — | ||
| Q2 25 | 0.54× | — | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 0.65× | 18.52× | ||
| Q2 24 | 1.35× | — |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
BY
セグメントデータなし
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
