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BYLINE BANCORP, INC.（BY）与CANTALOUPE, INC.（CTLP）财务数据对比。点击上方公司名可切换其他公司
BYLINE BANCORP, INC.的季度营收约是CANTALOUPE, INC.的1.4倍（$112.4M vs $78.7M），BYLINE BANCORP, INC.净利率更高（33.4% vs -0.1%，领先33.5%），BYLINE BANCORP, INC.同比增速更快（9.0% vs 6.8%），过去两年CANTALOUPE, INC.的营收复合增速更高（7.7% vs 6.4%）
Byline Bank是总部位于美国伊利诺伊州芝加哥的银行，为银行控股公司Byline Bancorp, Inc.的核心子公司，同时是全美SBA 7(a)贷款项目的第四大放贷机构，为客户提供专业的银行及融资相关服务。
坎塔卢波（原美国技术公司）是一家美国科技企业，核心业务为ePort无现金支付受理技术，依托持专利的PCI合规ePort Connect服务开展运营。该服务可通过无线方式为消费者提供信用卡、借记卡以及Apple Pay、Google Pay等NFC钱包支付选项，同时为运营商提供遥测与机器间通信服务，ePort技术主要应用于...
BY vs CTLP — 直观对比
营收规模更大
BY
是对方的1.4倍
$78.7M
营收增速更快
BY
高出2.3%
6.8%
净利率更高
BY
高出33.5%
-0.1%
两年增速更快
CTLP
近两年复合增速
6.4%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $112.4M | $78.7M |
| 净利润 | $37.6M | $-70.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 2.0% |
| 净利率 | 33.4% | -0.1% |
| 营收同比 | 9.0% | 6.8% |
| 净利润同比 | 33.0% | -101.4% |
| 每股收益（稀释后） | $0.83 | $0.00 |
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BYCTLP
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $78.7M | ||
| Q3 25 | $115.7M | $80.9M | ||
| Q2 25 | $110.5M | $82.6M | ||
| Q1 25 | $103.1M | $75.4M | ||
| Q4 24 | $104.7M | $73.7M | ||
| Q3 24 | $101.8M | $70.8M | ||
| Q2 24 | $99.4M | $72.7M |
净利润BYCTLP
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-70.0K | ||
| Q3 25 | $37.2M | $-919.0K | ||
| Q2 25 | $30.1M | $6.8M | ||
| Q1 25 | $28.2M | $49.2M | ||
| Q4 24 | $30.3M | $5.0M | ||
| Q3 24 | $30.3M | $3.6M | ||
| Q2 24 | $29.7M | $2.2M |
营业利润率BYCTLP
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 2.0% | ||
| Q3 25 | 43.1% | 2.0% | ||
| Q2 25 | 35.2% | 6.3% | ||
| Q1 25 | 36.4% | 9.1% | ||
| Q4 24 | 38.6% | 8.4% | ||
| Q3 24 | 39.3% | 5.8% | ||
| Q2 24 | 40.4% | 4.9% |
净利率BYCTLP
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -0.1% | ||
| Q3 25 | 32.1% | -1.1% | ||
| Q2 25 | 27.2% | 8.3% | ||
| Q1 25 | 27.4% | 65.2% | ||
| Q4 24 | 34.3% | 6.7% | ||
| Q3 24 | 29.8% | 5.0% | ||
| Q2 24 | 29.9% | 3.0% |
每股收益（稀释后）BYCTLP
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $0.00 | ||
| Q3 25 | $0.82 | $-0.02 | ||
| Q2 25 | $0.66 | $0.10 | ||
| Q1 25 | $0.64 | $0.65 | ||
| Q4 24 | $0.68 | $0.07 | ||
| Q3 24 | $0.69 | $0.04 | ||
| Q2 24 | $0.68 | $0.03 |
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 | $198.4M | $53.0M |
| 总债务越低越好 | — | $37.7M |
| 股东权益账面价值 | $1.3B | $252.5M |
| 总资产 | $9.9B | $381.9M |
| 负债/权益比越低杠杆越低 | — | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资BYCTLP
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $53.0M | ||
| Q3 25 | $259.0M | $55.0M | ||
| Q2 25 | $218.3M | $51.1M | ||
| Q1 25 | $421.3M | $46.3M | ||
| Q4 24 | $563.1M | $27.7M | ||
| Q3 24 | $452.6M | $33.1M | ||
| Q2 24 | $730.5M | $58.9M |
总债务BYCTLP
| Q1 26 | — | — | ||
| Q4 25 | — | $37.7M | ||
| Q3 25 | — | $38.3M | ||
| Q2 25 | — | $38.7M | ||
| Q1 25 | — | $39.2M | ||
| Q4 24 | — | $37.0M | ||
| Q3 24 | — | $37.3M | ||
| Q2 24 | — | $37.5M |
股东权益BYCTLP
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $252.5M | ||
| Q3 25 | $1.2B | $251.8M | ||
| Q2 25 | $1.2B | $251.0M | ||
| Q1 25 | $1.1B | $240.7M | ||
| Q4 24 | $1.1B | $190.1M | ||
| Q3 24 | $1.1B | $186.2M | ||
| Q2 24 | $1.0B | $181.7M |
总资产BYCTLP
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $381.9M | ||
| Q3 25 | $9.8B | $389.5M | ||
| Q2 25 | $9.7B | $381.9M | ||
| Q1 25 | $9.6B | $370.5M | ||
| Q4 24 | $9.5B | $303.0M | ||
| Q3 24 | $9.4B | $312.1M | ||
| Q2 24 | $9.6B | $335.6M |
负债/权益比BYCTLP
| Q1 26 | — | — | ||
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.15× | ||
| Q1 25 | — | 0.16× | ||
| Q4 24 | — | 0.19× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.21× |
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 | — | $3.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-614.0K |
| 自由现金流率自由现金流/营收 | — | -0.8% |
| 资本支出强度资本支出/营收 | — | 4.8% |
| 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 | — | $25.8M |
8季度趋势，按日历期对齐
经营现金流BYCTLP
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $3.1M | ||
| Q3 25 | $38.3M | $7.0M | ||
| Q2 25 | $16.3M | $9.4M | ||
| Q1 25 | $27.1M | $22.4M | ||
| Q4 24 | $175.2M | $522.0K | ||
| Q3 24 | $19.8M | $-12.0M | ||
| Q2 24 | $40.1M | $14.3M |
自由现金流BYCTLP
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $-614.0K | ||
| Q3 25 | $38.0M | $3.5M | ||
| Q2 25 | $15.2M | $4.3M | ||
| Q1 25 | $25.0M | $18.6M | ||
| Q4 24 | $171.2M | $-3.8M | ||
| Q3 24 | $19.1M | $-15.8M | ||
| Q2 24 | $39.4M | $8.5M |
自由现金流率BYCTLP
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | -0.8% | ||
| Q3 25 | 32.8% | 4.4% | ||
| Q2 25 | 13.7% | 5.3% | ||
| Q1 25 | 24.3% | 24.6% | ||
| Q4 24 | 163.5% | -5.1% | ||
| Q3 24 | 18.8% | -22.3% | ||
| Q2 24 | 39.7% | 11.7% |
资本支出强度BYCTLP
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 4.8% | ||
| Q3 25 | 0.3% | 4.2% | ||
| Q2 25 | 1.0% | 6.2% | ||
| Q1 25 | 2.0% | 5.1% | ||
| Q4 24 | 3.8% | 5.8% | ||
| Q3 24 | 0.6% | 5.4% | ||
| Q2 24 | 0.7% | 7.9% |
现金转化率BYCTLP
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | — | ||
| Q2 25 | 0.54× | 1.38× | ||
| Q1 25 | 0.96× | 0.46× | ||
| Q4 24 | 5.78× | 0.10× | ||
| Q3 24 | 0.65× | -3.36× | ||
| Q2 24 | 1.35× | 6.47× |
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
BY
暂无分部数据
CTLP
| Transaction Processing | $47.9M | 61% |
| Subscription Revenue | $21.8M | 28% |
| Products | $9.0M | 11% |
