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Amalgamated Financial Corp.（AMAL）与Repay Holdings Corp（RPAY）财务数据对比。点击上方公司名可切换其他公司
Amalgamated Financial Corp.的季度营收约是Repay Holdings Corp的1.1倍（$85.2M vs $78.6M），Amalgamated Financial Corp.同比增速更快（9.4% vs 0.4%），Amalgamated Financial Corp.自由现金流更多（$134.4M vs $23.2M），过去两年Amalgamated Financial Corp.的营收复合增速更高（4.3% vs -1.3%）
CI金融集团是一家总部位于加拿大安大略省多伦多的投资管理公司，面向高净值个人投资者提供投资管理与财富管理服务，同时也为投资组合经理及机构投资者提供经纪与交易服务。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
AMAL vs RPAY — 直观对比
营收规模更大
AMAL
是对方的1.1倍
$78.6M
营收增速更快
AMAL
高出9.0%
0.4%
自由现金流更多
AMAL
多$111.2M
$23.2M
两年增速更快
AMAL
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $85.2M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 39.0% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | 9.4% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $0.88 | $-1.68 |
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AMALRPAY
| Q4 25 | $85.2M | $78.6M | ||
| Q3 25 | $85.6M | $77.7M | ||
| Q2 25 | $80.9M | $75.6M | ||
| Q1 25 | $77.0M | $77.3M | ||
| Q4 24 | $77.9M | $78.3M | ||
| Q3 24 | $81.0M | $79.1M | ||
| Q2 24 | $78.5M | $74.9M | ||
| Q1 24 | $78.3M | $80.7M |
净利润AMALRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $26.8M | $-6.4M | ||
| Q2 25 | $26.0M | $-102.3M | ||
| Q1 25 | $25.0M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $27.9M | $3.2M | ||
| Q2 24 | $26.8M | $-4.1M | ||
| Q1 24 | $27.2M | $-5.2M |
毛利率AMALRPAY
| 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% |
营业利润率AMALRPAY
| Q4 25 | 39.0% | -182.2% | ||
| Q3 25 | 42.9% | -3.9% | ||
| Q2 25 | 43.8% | -138.7% | ||
| Q1 25 | 45.1% | -4.7% | ||
| Q4 24 | 42.4% | -1.5% | ||
| Q3 24 | 47.2% | -0.9% | ||
| Q2 24 | 45.6% | -4.6% | ||
| Q1 24 | 49.2% | -3.1% |
净利率AMALRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 31.3% | -8.3% | ||
| Q2 25 | 32.1% | -135.2% | ||
| Q1 25 | 32.5% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 34.5% | 4.1% | ||
| Q2 24 | 34.1% | -5.4% | ||
| Q1 24 | 34.8% | -6.5% |
每股收益（稀释后）AMALRPAY
| Q4 25 | $0.88 | $-1.68 | ||
| Q3 25 | $0.88 | $-0.08 | ||
| Q2 25 | $0.84 | $-1.15 | ||
| Q1 25 | $0.81 | $-0.09 | ||
| Q4 24 | $0.78 | $-0.04 | ||
| Q3 24 | $0.90 | $0.03 | ||
| Q2 24 | $0.87 | $-0.04 | ||
| Q1 24 | $0.89 | $-0.06 |
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 | $291.2M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $794.5M | $484.4M |
| 总资产 | $8.9B | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资AMALRPAY
| Q4 25 | $291.2M | $115.7M | ||
| Q3 25 | $115.5M | $95.7M | ||
| Q2 25 | $171.1M | $162.6M | ||
| Q1 25 | $65.7M | $165.5M | ||
| Q4 24 | $60.7M | $189.5M | ||
| Q3 24 | $149.2M | $168.7M | ||
| Q2 24 | $58.0M | $147.1M | ||
| Q1 24 | $155.2M | $128.3M |
总债务AMALRPAY
| 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 |
股东权益AMALRPAY
| Q4 25 | $794.5M | $484.4M | ||
| Q3 25 | $775.6M | $616.9M | ||
| Q2 25 | $754.0M | $633.7M | ||
| Q1 25 | $736.0M | $755.7M | ||
| Q4 24 | $707.7M | $761.3M | ||
| Q3 24 | $698.2M | $754.7M | ||
| Q2 24 | $646.0M | $815.4M | ||
| Q1 24 | $616.8M | $813.8M |
总资产AMALRPAY
| Q4 25 | $8.9B | $1.2B | ||
| Q3 25 | $8.7B | $1.3B | ||
| Q2 25 | $8.6B | $1.4B | ||
| Q1 25 | $8.3B | $1.5B | ||
| Q4 24 | $8.3B | $1.6B | ||
| Q3 24 | $8.4B | $1.6B | ||
| Q2 24 | $8.3B | $1.5B | ||
| Q1 24 | $8.1B | $1.5B |
负债/权益比AMALRPAY
| 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× |
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 | $135.8M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $134.4M | $23.2M |
| 自由现金流率自由现金流/营收 | 157.8% | 29.6% |
| 资本支出强度资本支出/营收 | 1.6% | 0.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $229.4M | $90.7M |
8季度趋势，按日历期对齐
经营现金流AMALRPAY
| Q4 25 | $135.8M | $23.3M | ||
| Q3 25 | $39.5M | $32.2M | ||
| Q2 25 | $24.9M | $33.1M | ||
| Q1 25 | $34.2M | $2.5M | ||
| Q4 24 | $124.1M | $34.3M | ||
| Q3 24 | $35.8M | $60.1M | ||
| Q2 24 | $28.0M | $31.0M | ||
| Q1 24 | $31.3M | $24.8M |
自由现金流AMALRPAY
| Q4 25 | $134.4M | $23.2M | ||
| Q3 25 | $38.3M | $32.1M | ||
| Q2 25 | $24.2M | $33.0M | ||
| Q1 25 | $32.5M | $2.4M | ||
| Q4 24 | $122.3M | $34.0M | ||
| Q3 24 | $35.2M | $59.8M | ||
| Q2 24 | $27.8M | $30.5M | ||
| Q1 24 | $31.1M | $24.7M |
自由现金流率AMALRPAY
| Q4 25 | 157.8% | 29.6% | ||
| Q3 25 | 44.7% | 41.3% | ||
| Q2 25 | 29.9% | 43.6% | ||
| Q1 25 | 42.2% | 3.0% | ||
| Q4 24 | 157.0% | 43.5% | ||
| Q3 24 | 43.4% | 75.6% | ||
| Q2 24 | 35.4% | 40.7% | ||
| Q1 24 | 39.7% | 30.6% |
资本支出强度AMALRPAY
| Q4 25 | 1.6% | 0.1% | ||
| Q3 25 | 1.4% | 0.2% | ||
| Q2 25 | 0.9% | 0.1% | ||
| Q1 25 | 2.3% | 0.2% | ||
| Q4 24 | 2.3% | 0.3% | ||
| Q3 24 | 0.7% | 0.3% | ||
| Q2 24 | 0.3% | 0.6% | ||
| Q1 24 | 0.3% | 0.1% |
现金转化率AMALRPAY
| Q4 25 | — | — | ||
| Q3 25 | 1.47× | — | ||
| Q2 25 | 0.96× | — | ||
| Q1 25 | 1.37× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.28× | 18.52× | ||
| Q2 24 | 1.05× | — | ||
| Q1 24 | 1.15× | — |
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
AMAL
暂无分部数据
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
