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California BanCorp \ CA（BCAL）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
Repay Holdings Corp的季度营收约是California BanCorp \ CA的1.7倍（$78.6M vs $45.9M），California BanCorp \ CA净利率更高（35.8% vs -178.3%，领先214.1%），California BanCorp \ CA同比增速更快（0.8% vs 0.4%），California BanCorp \ CA自由现金流更多（$56.9M vs $23.2M），过去两年California BanCorp \ CA的营收复合增速更高（44.7% vs -1.3%）
太平洋第一控股是依据美国1956年银行控股公司法案成立的美国银行控股集团，总部位于加利福尼亚州欧文市。集团核心业务围绕旗下太平洋第一银行展开，为个人、企业及专业人士提供各类金融服务，目前在加州、亚利桑那州、内华达州和华盛顿州开设了多家网点。
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。
BCAL vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.7倍
$45.9M
营收增速更快
BCAL
高出0.4%
0.4%
净利率更高
BCAL
高出214.1%
-178.3%
自由现金流更多
BCAL
多$33.7M
$23.2M
两年增速更快
BCAL
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.9M | $78.6M |
| 净利润 | $16.4M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 48.8% | -182.2% |
| 净利率 | 35.8% | -178.3% |
| 营收同比 | 0.8% | 0.4% |
| 净利润同比 | -2.1% | -3304.1% |
| 每股收益（稀释后） | $0.50 | $-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BCALRPAY
| Q4 25 | $45.9M | $78.6M | ||
| Q3 25 | $45.2M | $77.7M | ||
| Q2 25 | $44.3M | $75.6M | ||
| Q1 25 | $44.8M | $77.3M | ||
| Q4 24 | $45.5M | $78.3M | ||
| Q3 24 | $38.1M | $79.1M | ||
| Q2 24 | $22.2M | $74.9M | ||
| Q1 24 | $21.9M | $80.7M |
净利润BCALRPAY
| Q4 25 | $16.4M | $-140.1M | ||
| Q3 25 | $15.7M | $-6.4M | ||
| Q2 25 | $14.1M | $-102.3M | ||
| Q1 25 | $16.9M | $-7.9M | ||
| Q4 24 | $16.8M | $-4.1M | ||
| Q3 24 | $-16.5M | $3.2M | ||
| Q2 24 | $190.0K | $-4.1M | ||
| Q1 24 | $4.9M | $-5.2M |
毛利率BCALRPAY
| 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BCALRPAY
| Q4 25 | 48.8% | -182.2% | ||
| Q3 25 | 48.3% | -3.9% | ||
| Q2 25 | 45.3% | -138.7% | ||
| Q1 25 | 52.8% | -4.7% | ||
| Q4 24 | 52.2% | -1.5% | ||
| Q3 24 | -59.1% | -0.9% | ||
| Q2 24 | 1.3% | -4.6% | ||
| Q1 24 | 33.1% | -3.1% |
净利率BCALRPAY
| Q4 25 | 35.8% | -178.3% | ||
| Q3 25 | 34.7% | -8.3% | ||
| Q2 25 | 31.8% | -135.2% | ||
| Q1 25 | 37.6% | -10.3% | ||
| Q4 24 | 37.7% | -5.3% | ||
| Q3 24 | -43.2% | 4.1% | ||
| Q2 24 | 0.9% | -5.4% | ||
| Q1 24 | 22.5% | -6.5% |
每股收益（稀释后）BCALRPAY
| Q4 25 | $0.50 | $-1.68 | ||
| Q3 25 | $0.48 | $-0.08 | ||
| Q2 25 | $0.43 | $-1.15 | ||
| Q1 25 | $0.52 | $-0.09 | ||
| Q4 24 | $0.54 | $-0.04 | ||
| Q3 24 | $-0.59 | $0.03 | ||
| Q2 24 | $0.01 | $-0.04 | ||
| Q1 24 | $0.26 | $-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 | $399.9M | $115.7M |
| 总债务越低越好 | $33.8M | $280.1M |
| 股东权益账面价值 | $576.6M | $484.4M |
| 总资产 | $4.0B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.06× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资BCALRPAY
| Q4 25 | $399.9M | $115.7M | ||
| Q3 25 | $559.2M | $95.7M | ||
| Q2 25 | $430.1M | $162.6M | ||
| Q1 25 | $439.2M | $165.5M | ||
| Q4 24 | $388.2M | $189.5M | ||
| Q3 24 | $614.4M | $168.7M | ||
| Q2 24 | $104.7M | $147.1M | ||
| Q1 24 | $86.5M | $128.3M |
总债务BCALRPAY
| Q4 25 | $33.8M | $280.1M | ||
| Q3 25 | $33.4M | $279.5M | ||
| Q2 25 | $52.9M | $279.0M | ||
| Q1 25 | $70.3M | $497.6M | ||
| Q4 24 | $69.7M | $496.8M | ||
| Q3 24 | $69.1M | $496.2M | ||
| Q2 24 | $42.9M | $435.6M | ||
| Q1 24 | $44.9M | $434.9M |
股东权益BCALRPAY
| Q4 25 | $576.6M | $484.4M | ||
| Q3 25 | $564.7M | $616.9M | ||
| Q2 25 | $547.6M | $633.7M | ||
| Q1 25 | $531.4M | $755.7M | ||
| Q4 24 | $511.8M | $761.3M | ||
| Q3 24 | $498.1M | $754.7M | ||
| Q2 24 | $293.2M | $815.4M | ||
| Q1 24 | $292.5M | $813.8M |
总资产BCALRPAY
| Q4 25 | $4.0B | $1.2B | ||
| Q3 25 | $4.1B | $1.3B | ||
| Q2 25 | $4.0B | $1.4B | ||
| Q1 25 | $4.0B | $1.5B | ||
| Q4 24 | $4.0B | $1.6B | ||
| Q3 24 | $4.4B | $1.6B | ||
| Q2 24 | $2.3B | $1.5B | ||
| Q1 24 | $2.3B | $1.5B |
负债/权益比BCALRPAY
| Q4 25 | 0.06× | 0.58× | ||
| Q3 25 | 0.06× | 0.45× | ||
| Q2 25 | 0.10× | 0.44× | ||
| Q1 25 | 0.13× | 0.66× | ||
| Q4 24 | 0.14× | 0.65× | ||
| Q3 24 | 0.14× | 0.66× | ||
| Q2 24 | 0.15× | 0.53× | ||
| Q1 24 | 0.15× | 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 | $57.3M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $56.9M | $23.2M |
| 自由现金流率自由现金流/营收 | 124.1% | 29.6% |
| 资本支出强度资本支出/营收 | 0.8% | 0.1% |
| 现金转化率经营现金流/净利润 | 3.49× | — |
| 过去12个月自由现金流最近4个季度 | $93.1M | $90.7M |
8季度趋势，按日历期对齐
经营现金流BCALRPAY
| Q4 25 | $57.3M | $23.3M | ||
| Q3 25 | $16.0M | $32.2M | ||
| Q2 25 | $13.4M | $33.1M | ||
| Q1 25 | $7.0M | $2.5M | ||
| Q4 24 | $50.3M | $34.3M | ||
| Q3 24 | $18.3M | $60.1M | ||
| Q2 24 | $309.0K | $31.0M | ||
| Q1 24 | $8.1M | $24.8M |
自由现金流BCALRPAY
| Q4 25 | $56.9M | $23.2M | ||
| Q3 25 | $15.9M | $32.1M | ||
| Q2 25 | $13.4M | $33.0M | ||
| Q1 25 | $6.9M | $2.4M | ||
| Q4 24 | $49.7M | $34.0M | ||
| Q3 24 | $18.1M | $59.8M | ||
| Q2 24 | $171.0K | $30.5M | ||
| Q1 24 | $8.0M | $24.7M |
自由现金流率BCALRPAY
| Q4 25 | 124.1% | 29.6% | ||
| Q3 25 | 35.1% | 41.3% | ||
| Q2 25 | 30.2% | 43.6% | ||
| Q1 25 | 15.3% | 3.0% | ||
| Q4 24 | 109.2% | 43.5% | ||
| Q3 24 | 47.5% | 75.6% | ||
| Q2 24 | 0.8% | 40.7% | ||
| Q1 24 | 36.4% | 30.6% |
资本支出强度BCALRPAY
| Q4 25 | 0.8% | 0.1% | ||
| Q3 25 | 0.2% | 0.2% | ||
| Q2 25 | 0.1% | 0.1% | ||
| Q1 25 | 0.2% | 0.2% | ||
| Q4 24 | 1.2% | 0.3% | ||
| Q3 24 | 0.5% | 0.3% | ||
| Q2 24 | 0.6% | 0.6% | ||
| Q1 24 | 0.4% | 0.1% |
现金转化率BCALRPAY
| Q4 25 | 3.49× | — | ||
| Q3 25 | 1.02× | — | ||
| Q2 25 | 0.95× | — | ||
| Q1 25 | 0.41× | — | ||
| Q4 24 | 3.00× | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | 1.63× | — | ||
| Q1 24 | 1.63× | — |
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
BCAL
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% |
