vs
Paymentus Holdings, Inc.（PAY）とBRC Group Holdings, Inc.（RILY）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
Paymentus Holdings, Inc.の直近四半期売上が大きい（$330.5M vs $188.3M、BRC Group Holdings, Inc.の約1.8倍）。BRC Group Holdings, Inc.の純利益率が高く（47.9% vs 6.3%、差は41.7%）。Paymentus Holdings, Inc.の前年同期比売上増加率が高い（28.1% vs -21.9%）。過去8四半期でPaymentus Holdings, Inc.の売上複合成長率が高い（33.7% vs -15.4%）
Paymentus Holdings, Inc.はクラウドベースの請求書支払い・顧客エンゲージメント技術の大手プロバイダーです。公共事業、金融サービス、行政、医療、通信などの分野の企業に統合デジタル決済ソリューション、請求自動化ツール、セルフサービスポータルを提供し、主に北米市場で事業を展開しています。
PAY vs RILY — 直接比較
売上が大きい
PAY
1.8倍大きい
$188.3M
売上成長率が高い
PAY
+50.0%の差
-21.9%
純利益率が高い
RILY
純利益率が41.7%高い
6.3%
2年売上CAGRが高い
PAY
2年複合成長率
-15.4%
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $330.5M | $188.3M |
| 純利益 | $20.7M | $90.3M |
| 粗利率 | 25.4% | 79.5% |
| 営業利益率 | 7.3% | 32.3% |
| 純利益率 | 6.3% | 47.9% |
| 売上前年比 | 28.1% | -21.9% |
| 純利益前年比 | 57.2% | 1710.8% |
| EPS（希薄化後） | $0.16 | $2.78 |
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
売上PAYRILY
| Q4 25 | $330.5M | $188.3M | ||
| Q3 25 | $310.7M | $215.3M | ||
| Q2 25 | $280.1M | $188.2M | ||
| Q1 25 | $275.2M | $197.2M | ||
| Q4 24 | $257.9M | $241.0M | ||
| Q3 24 | $231.6M | $225.5M | ||
| Q2 24 | $197.4M | $256.0M | ||
| Q1 24 | $184.9M | $263.4M |
純利益PAYRILY
| Q4 25 | $20.7M | $90.3M | ||
| Q3 25 | $17.7M | $91.1M | ||
| Q2 25 | $14.7M | $139.5M | ||
| Q1 25 | $13.8M | $-10.0M | ||
| Q4 24 | $13.1M | $-5.6M | ||
| Q3 24 | $14.4M | $-284.4M | ||
| Q2 24 | $9.4M | $-433.6M | ||
| Q1 24 | $7.2M | $-49.2M |
粗利率PAYRILY
| Q4 25 | 25.4% | 79.5% | ||
| Q3 25 | 24.1% | 83.7% | ||
| Q2 25 | 25.5% | 81.3% | ||
| Q1 25 | 24.0% | 81.4% | ||
| Q4 24 | 25.6% | 79.8% | ||
| Q3 24 | 26.2% | 82.1% | ||
| Q2 24 | 29.8% | 84.5% | ||
| Q1 24 | 28.5% | 85.3% |
営業利益率PAYRILY
| Q4 25 | 7.3% | 32.3% | ||
| Q3 25 | 6.4% | 30.4% | ||
| Q2 25 | 5.7% | 5.7% | ||
| Q1 25 | 5.7% | -31.2% | ||
| Q4 24 | 5.5% | -69.2% | ||
| Q3 24 | 5.2% | -36.4% | ||
| Q2 24 | 5.2% | -90.8% | ||
| Q1 24 | 4.5% | -6.1% |
純利益率PAYRILY
| Q4 25 | 6.3% | 47.9% | ||
| Q3 25 | 5.7% | 42.3% | ||
| Q2 25 | 5.3% | 74.1% | ||
| Q1 25 | 5.0% | -5.1% | ||
| Q4 24 | 5.1% | -2.3% | ||
| Q3 24 | 6.2% | -126.1% | ||
| Q2 24 | 4.7% | -169.4% | ||
| Q1 24 | 3.9% | -18.7% |
EPS（希薄化後）PAYRILY
| Q4 25 | $0.16 | $2.78 | ||
| Q3 25 | $0.14 | $2.91 | ||
| Q2 25 | $0.11 | $4.50 | ||
| Q1 25 | $0.11 | $-0.39 | ||
| Q4 24 | $0.11 | $-0.01 | ||
| Q3 24 | $0.11 | $-9.39 | ||
| Q2 24 | $0.07 | $-14.35 | ||
| Q1 24 | $0.06 | $-1.71 |
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 | $320.9M | $226.6M |
| 総負債低いほど良い | — | $1.4B |
| 株主資本純資産 | $560.4M | $-171.5M |
| 総資産 | $667.9M | $1.7B |
| 負債/資本比率低いほどレバレッジが低い | — | — |
8四半期トレンド — 暦四半期で整列
現金・短期投資PAYRILY
| Q4 25 | $320.9M | $226.6M | ||
| Q3 25 | $287.9M | $184.2M | ||
| Q2 25 | $266.4M | $267.4M | ||
| Q1 25 | $245.8M | $138.3M | ||
| Q4 24 | $205.9M | $146.9M | ||
| Q3 24 | $187.5M | $159.2M | ||
| Q2 24 | $188.8M | $236.9M | ||
| Q1 24 | $180.1M | $190.7M |
総負債PAYRILY
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
株主資本PAYRILY
| Q4 25 | $560.4M | $-171.5M | ||
| Q3 25 | $537.4M | $-260.5M | ||
| Q2 25 | $516.7M | $-351.7M | ||
| Q1 25 | $500.4M | $-496.8M | ||
| Q4 24 | $485.6M | $-488.2M | ||
| Q3 24 | $468.8M | $-497.6M | ||
| Q2 24 | $451.6M | $-218.3M | ||
| Q1 24 | $439.4M | $228.4M |
総資産PAYRILY
| Q4 25 | $667.9M | $1.7B | ||
| Q3 25 | $644.4M | $1.7B | ||
| Q2 25 | $609.5M | $1.5B | ||
| Q1 25 | $590.9M | $1.5B | ||
| Q4 24 | $576.2M | $1.8B | ||
| Q3 24 | $552.9M | $2.2B | ||
| Q2 24 | $527.7M | $3.2B | ||
| Q1 24 | $514.0M | $5.0B |
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 | $45.1M | $26.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $45.0M | — |
| FCFマージンFCF / 売上 | 13.6% | — |
| 設備投資強度設備投資 / 売上 | 0.0% | — |
| キャッシュ転換率営業CF / 純利益 | 2.18× | 0.29× |
| 直近12ヶ月FCF直近4四半期 | $161.8M | — |
8四半期トレンド — 暦四半期で整列
営業キャッシュフローPAYRILY
| Q4 25 | $45.1M | $26.2M | ||
| Q3 25 | $35.1M | $-60.6M | ||
| Q2 25 | $31.5M | $-25.6M | ||
| Q1 25 | $50.4M | $184.0K | ||
| Q4 24 | $27.9M | $-2.7M | ||
| Q3 24 | $6.7M | $19.5M | ||
| Q2 24 | $18.0M | $111.5M | ||
| Q1 24 | $11.0M | $135.4M |
フリーキャッシュフローPAYRILY
| Q4 25 | $45.0M | — | ||
| Q3 25 | $35.0M | — | ||
| Q2 25 | $31.4M | — | ||
| Q1 25 | $50.4M | — | ||
| Q4 24 | $27.8M | — | ||
| Q3 24 | $6.7M | — | ||
| Q2 24 | $17.8M | — | ||
| Q1 24 | $10.8M | — |
FCFマージンPAYRILY
| Q4 25 | 13.6% | — | ||
| Q3 25 | 11.3% | — | ||
| Q2 25 | 11.2% | — | ||
| Q1 25 | 18.3% | — | ||
| Q4 24 | 10.8% | — | ||
| Q3 24 | 2.9% | — | ||
| Q2 24 | 9.0% | — | ||
| Q1 24 | 5.9% | — |
設備投資強度PAYRILY
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.0% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.1% | — |
キャッシュ転換率PAYRILY
| Q4 25 | 2.18× | 0.29× | ||
| Q3 25 | 1.98× | -0.66× | ||
| Q2 25 | 2.14× | -0.18× | ||
| Q1 25 | 3.65× | — | ||
| Q4 24 | 2.12× | — | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 1.93× | — | ||
| Q1 24 | 1.52× | — |
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
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
RILY
| Transferred At Point In Time | $101.4M | 54% |
| Wealth Management Segment | $30.7M | 16% |
| Corporate Finance Consulting And Investment Banking Fees | $27.1M | 14% |
| Services And Fees | $24.8M | 13% |
| Commissions Fees And Reimbursed Expenses | $4.8M | 3% |
