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Better Home & Finance Holding Co（BETR）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Better Home & Finance Holding Co的1.8倍（$78.6M vs $44.3M），Repay Holdings Corp净利率更高（-178.3% vs -3349.0%，领先3170.7%），Better Home & Finance Holding Co同比增速更快（77.4% vs 0.4%），Repay Holdings Corp自由现金流更多（$23.2M vs $-167.8M），过去两年Better Home & Finance Holding Co的营收复合增速更高（41.1% vs -1.3%）
巴贾吉金融有限公司是印度一家可吸收存款的非银行金融机构，总部位于普纳。截至2025年9月，该公司拥有1.1064亿客户，管理资产规模达46225亿卢比，约合550亿美元，是印度知名的非银行金融服务商。
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。
BETR vs RPAY — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $44.3M | $78.6M |
| 净利润 | $-39.9M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | -3376.8% | -182.2% |
| 净利率 | -3349.0% | -178.3% |
| 营收同比 | 77.4% | 0.4% |
| 净利润同比 | 32.6% | -3304.1% |
| 每股收益（稀释后） | $-2.52 | $-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
| Q4 25 | $44.3M | $78.6M | ||
| Q3 25 | $43.9M | $77.7M | ||
| Q2 25 | $44.1M | $75.6M | ||
| Q1 25 | $32.6M | $77.3M | ||
| Q4 24 | $25.0M | $78.3M | ||
| Q3 24 | $29.0M | $79.1M | ||
| Q2 24 | $32.3M | $74.9M | ||
| Q1 24 | $22.3M | $80.7M |
| Q4 25 | $-39.9M | $-140.1M | ||
| Q3 25 | $-39.1M | $-6.4M | ||
| Q2 25 | $-36.3M | $-102.3M | ||
| Q1 25 | $-50.6M | $-7.9M | ||
| Q4 24 | $-59.2M | $-4.1M | ||
| Q3 24 | $-54.2M | $3.2M | ||
| Q2 24 | $-41.4M | $-4.1M | ||
| Q1 24 | $-51.5M | $-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 | -3376.8% | -182.2% | ||
| Q3 25 | -88.9% | -3.9% | ||
| Q2 25 | -81.9% | -138.7% | ||
| Q1 25 | -154.9% | -4.7% | ||
| Q4 24 | -1428.3% | -1.5% | ||
| Q3 24 | -186.5% | -0.9% | ||
| Q2 24 | -127.6% | -4.6% | ||
| Q1 24 | -230.8% | -3.1% |
| Q4 25 | -3349.0% | -178.3% | ||
| Q3 25 | -89.2% | -8.3% | ||
| Q2 25 | -82.2% | -135.2% | ||
| Q1 25 | -155.3% | -10.3% | ||
| Q4 24 | -1437.5% | -5.3% | ||
| Q3 24 | -187.0% | 4.1% | ||
| Q2 24 | -128.2% | -5.4% | ||
| Q1 24 | -231.4% | -6.5% |
| Q4 25 | $-2.52 | $-1.68 | ||
| Q3 25 | $-2.56 | $-0.08 | ||
| Q2 25 | $-2.39 | $-1.15 | ||
| Q1 25 | $-3.33 | $-0.09 | ||
| Q4 24 | $-3.92 | $-0.04 | ||
| Q3 24 | $-3.58 | $0.03 | ||
| Q2 24 | $-2.74 | $-0.04 | ||
| Q1 24 | $-3.41 | $-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 | $203.4M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $37.2M | $484.4M |
| 总资产 | $1.5B | $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
| Q4 25 | $203.4M | $115.7M | ||
| Q3 25 | $205.8M | $95.7M | ||
| Q2 25 | $221.5M | $162.6M | ||
| Q1 25 | $228.0M | $165.5M | ||
| Q4 24 | $264.9M | $189.5M | ||
| Q3 24 | $262.1M | $168.7M | ||
| Q2 24 | $378.8M | $147.1M | ||
| Q1 24 | $482.6M | $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 | $37.2M | $484.4M | ||
| Q3 25 | $41.9M | $616.9M | ||
| Q2 25 | $76.6M | $633.7M | ||
| Q1 25 | $-102.1M | $755.7M | ||
| Q4 24 | $-58.2M | $761.3M | ||
| Q3 24 | $388.0K | $754.7M | ||
| Q2 24 | $44.9M | $815.4M | ||
| Q1 24 | $76.3M | $813.8M |
| Q4 25 | $1.5B | $1.2B | ||
| Q3 25 | $1.4B | $1.3B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.0B | $1.5B | ||
| Q4 24 | $913.1M | $1.6B | ||
| Q3 24 | $845.2M | $1.6B | ||
| Q2 24 | $957.9M | $1.5B | ||
| Q1 24 | $841.6M | $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× |
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 | $-166.6M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $-167.8M | $23.2M |
| 自由现金流率自由现金流/营收 | -378.6% | 29.6% |
| 资本支出强度资本支出/营收 | 2.7% | 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 | $-277.9M | $90.7M |
8季度趋势，按日历期对齐
| Q4 25 | $-166.6M | $23.3M | ||
| Q3 25 | $4.2M | $32.2M | ||
| Q2 25 | $-56.3M | $33.1M | ||
| Q1 25 | $-57.2M | $2.5M | ||
| Q4 24 | $-380.0M | $34.3M | ||
| Q3 24 | $-10.6M | $60.1M | ||
| Q2 24 | $-220.6M | $31.0M | ||
| Q1 24 | $-42.8M | $24.8M |
| Q4 25 | $-167.8M | $23.2M | ||
| Q3 25 | $4.0M | $32.1M | ||
| Q2 25 | $-56.7M | $33.0M | ||
| Q1 25 | $-57.4M | $2.4M | ||
| Q4 24 | $-383.4M | $34.0M | ||
| Q3 24 | $-11.7M | $59.8M | ||
| Q2 24 | $-221.8M | $30.5M | ||
| Q1 24 | $-43.3M | $24.7M |
| Q4 25 | -378.6% | 29.6% | ||
| Q3 25 | 9.1% | 41.3% | ||
| Q2 25 | -128.5% | 43.6% | ||
| Q1 25 | -176.3% | 3.0% | ||
| Q4 24 | -1534.6% | 43.5% | ||
| Q3 24 | -40.5% | 75.6% | ||
| Q2 24 | -687.6% | 40.7% | ||
| Q1 24 | -194.5% | 30.6% |
| Q4 25 | 2.7% | 0.1% | ||
| Q3 25 | 0.5% | 0.2% | ||
| Q2 25 | 0.9% | 0.1% | ||
| Q1 25 | 0.6% | 0.2% | ||
| Q4 24 | 13.6% | 0.3% | ||
| Q3 24 | 4.1% | 0.3% | ||
| Q2 24 | 3.9% | 0.6% | ||
| Q1 24 | 2.1% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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
BETR
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% |
