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CHOICEONE FINANCIAL SERVICES INC（COFS）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
Repay Holdings Corpの直近四半期売上が大きい（$78.6M vs $42.9M、CHOICEONE FINANCIAL SERVICES INCの約1.8倍）。CHOICEONE FINANCIAL SERVICES INCの前年同期比売上増加率が高い（76.4% vs 0.4%）。CHOICEONE FINANCIAL SERVICES INCの直近四半期フリーキャッシュフローが多い（$25.2M vs $23.2M）。過去8四半期でCHOICEONE FINANCIAL SERVICES INCの売上複合成長率が高い（15.0% vs -1.3%）
ChoiceOne Financial Services Incは米国の地域金融持株会社で、傘下の銀行子会社を通じて主にミシガン州の個人消費者、中小企業、企業顧客に貯蓄口座、ローン、資産管理、保険などの個人向け・商用銀行サービスを提供しています。
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。
COFS vs RPAY — 直接比較
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $42.9M | $78.6M |
| 純利益 | — | $-140.1M |
| 粗利率 | — | 74.2% |
| 営業利益率 | 39.1% | -182.2% |
| 純利益率 | — | -178.3% |
| 売上前年比 | 76.4% | 0.4% |
| 純利益前年比 | — | -3304.1% |
| EPS（希薄化後） | $1.43 | $-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
| Q4 25 | $42.9M | $78.6M | ||
| Q3 25 | $61.8M | $77.7M | ||
| Q2 25 | $60.4M | $75.6M | ||
| Q1 25 | $44.9M | $77.3M | ||
| Q4 24 | $24.3M | $78.3M | ||
| Q3 24 | $36.6M | $79.1M | ||
| Q2 24 | $34.0M | $74.9M | ||
| Q1 24 | $32.5M | $80.7M |
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $14.7M | $-6.4M | ||
| Q2 25 | $13.5M | $-102.3M | ||
| Q1 25 | $-13.9M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $7.3M | $3.2M | ||
| Q2 24 | $6.6M | $-4.1M | ||
| Q1 24 | $5.6M | $-5.2M |
| 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 24 | — | 76.2% |
| Q4 25 | 39.1% | -182.2% | ||
| Q3 25 | 29.6% | -3.9% | ||
| Q2 25 | 27.6% | -138.7% | ||
| Q1 25 | -39.2% | -4.7% | ||
| Q4 24 | 36.1% | -1.5% | ||
| Q3 24 | 25.4% | -0.9% | ||
| Q2 24 | 24.0% | -4.6% | ||
| Q1 24 | 21.1% | -3.1% |
| Q4 25 | — | -178.3% | ||
| Q3 25 | 23.7% | -8.3% | ||
| Q2 25 | 22.4% | -135.2% | ||
| Q1 25 | -31.0% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 20.1% | 4.1% | ||
| Q2 24 | 19.4% | -5.4% | ||
| Q1 24 | 17.3% | -6.5% |
| Q4 25 | $1.43 | $-1.68 | ||
| Q3 25 | $0.97 | $-0.08 | ||
| Q2 25 | $0.90 | $-1.15 | ||
| Q1 25 | $-1.29 | $-0.09 | ||
| Q4 24 | $0.79 | $-0.04 | ||
| Q3 24 | $0.85 | $0.03 | ||
| Q2 24 | $0.87 | $-0.04 | ||
| Q1 24 | $0.74 | $-0.06 |
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 | $88.0M | $115.7M |
| 総負債低いほど良い | — | $280.1M |
| 株主資本純資産 | $465.4M | $484.4M |
| 総資産 | $4.4B | $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
| Q4 25 | $88.0M | $115.7M | ||
| Q3 25 | $99.0M | $95.7M | ||
| Q2 25 | $156.3M | $162.6M | ||
| Q1 25 | $139.4M | $165.5M | ||
| Q4 24 | $96.8M | $189.5M | ||
| Q3 24 | $145.9M | $168.7M | ||
| Q2 24 | $101.0M | $147.1M | ||
| Q1 24 | $150.1M | $128.3M |
| 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 24 | — | $434.9M |
| Q4 25 | $465.4M | $484.4M | ||
| Q3 25 | $449.6M | $616.9M | ||
| Q2 25 | $431.8M | $633.7M | ||
| Q1 25 | $427.1M | $755.7M | ||
| Q4 24 | $260.4M | $761.3M | ||
| Q3 24 | $247.7M | $754.7M | ||
| Q2 24 | $214.5M | $815.4M | ||
| Q1 24 | $206.8M | $813.8M |
| Q4 25 | $4.4B | $1.2B | ||
| Q3 25 | $4.3B | $1.3B | ||
| Q2 25 | $4.3B | $1.4B | ||
| Q1 25 | $4.3B | $1.5B | ||
| Q4 24 | $2.7B | $1.6B | ||
| Q3 24 | $2.7B | $1.6B | ||
| Q2 24 | $2.7B | $1.5B | ||
| Q1 24 | $2.7B | $1.5B |
| 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× | ||
| Q1 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 | $31.8M | $23.3M |
| フリーキャッシュフロー営業CF - 設備投資 | $25.2M | $23.2M |
| FCFマージンFCF / 売上 | 58.7% | 29.6% |
| 設備投資強度設備投資 / 売上 | 15.4% | 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 | $38.5M | $90.7M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $31.8M | $23.3M | ||
| Q3 25 | $15.3M | $32.2M | ||
| Q2 25 | $9.0M | $33.1M | ||
| Q1 25 | $-6.5M | $2.5M | ||
| Q4 24 | $47.1M | $34.3M | ||
| Q3 24 | $-7.4M | $60.1M | ||
| Q2 24 | $15.7M | $31.0M | ||
| Q1 24 | $15.3M | $24.8M |
| Q4 25 | $25.2M | $23.2M | ||
| Q3 25 | $13.7M | $32.1M | ||
| Q2 25 | $6.9M | $33.0M | ||
| Q1 25 | $-7.3M | $2.4M | ||
| Q4 24 | $45.4M | $34.0M | ||
| Q3 24 | $-7.6M | $59.8M | ||
| Q2 24 | $15.3M | $30.5M | ||
| Q1 24 | $15.0M | $24.7M |
| Q4 25 | 58.7% | 29.6% | ||
| Q3 25 | 22.1% | 41.3% | ||
| Q2 25 | 11.4% | 43.6% | ||
| Q1 25 | -16.3% | 3.0% | ||
| Q4 24 | 186.4% | 43.5% | ||
| Q3 24 | -20.8% | 75.6% | ||
| Q2 24 | 44.8% | 40.7% | ||
| Q1 24 | 46.2% | 30.6% |
| Q4 25 | 15.4% | 0.1% | ||
| Q3 25 | 2.6% | 0.2% | ||
| Q2 25 | 3.4% | 0.1% | ||
| Q1 25 | 1.9% | 0.2% | ||
| Q4 24 | 7.0% | 0.3% | ||
| Q3 24 | 0.7% | 0.3% | ||
| Q2 24 | 1.4% | 0.6% | ||
| Q1 24 | 1.0% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 1.04× | — | ||
| Q2 25 | 0.66× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -1.00× | 18.52× | ||
| Q2 24 | 2.39× | — | ||
| Q1 24 | 2.72× | — |
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
COFS
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% |
