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BYLINE BANCORP, INC.（BY）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
BYLINE BANCORP, INC.的季度营收约是Repay Holdings Corp的1.4倍（$112.4M vs $78.6M），BYLINE BANCORP, INC.净利率更高（33.4% vs -178.3%，领先211.7%），BYLINE BANCORP, INC.同比增速更快（9.0% vs 0.4%），过去两年BYLINE BANCORP, INC.的营收复合增速更高（6.4% vs -1.3%）
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。
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。
BY vs RPAY — 直观对比
营收规模更大
BY
是对方的1.4倍
$78.6M
营收增速更快
BY
高出8.6%
0.4%
净利率更高
BY
高出211.7%
-178.3%
两年增速更快
BY
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $112.4M | $78.6M |
| 净利润 | $37.6M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 33.4% | -178.3% |
| 营收同比 | 9.0% | 0.4% |
| 净利润同比 | 33.0% | -3304.1% |
| 每股收益（稀释后） | $0.83 | $-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BYRPAY
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $78.6M | ||
| Q3 25 | $115.7M | $77.7M | ||
| Q2 25 | $110.5M | $75.6M | ||
| Q1 25 | $103.1M | $77.3M | ||
| Q4 24 | $104.7M | $78.3M | ||
| Q3 24 | $101.8M | $79.1M | ||
| Q2 24 | $99.4M | $74.9M |
净利润BYRPAY
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-140.1M | ||
| Q3 25 | $37.2M | $-6.4M | ||
| Q2 25 | $30.1M | $-102.3M | ||
| Q1 25 | $28.2M | $-7.9M | ||
| Q4 24 | $30.3M | $-4.1M | ||
| Q3 24 | $30.3M | $3.2M | ||
| Q2 24 | $29.7M | $-4.1M |
毛利率BYRPAY
| Q1 26 | — | — | ||
| 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% |
营业利润率BYRPAY
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | -182.2% | ||
| Q3 25 | 43.1% | -3.9% | ||
| Q2 25 | 35.2% | -138.7% | ||
| Q1 25 | 36.4% | -4.7% | ||
| Q4 24 | 38.6% | -1.5% | ||
| Q3 24 | 39.3% | -0.9% | ||
| Q2 24 | 40.4% | -4.6% |
净利率BYRPAY
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -178.3% | ||
| Q3 25 | 32.1% | -8.3% | ||
| Q2 25 | 27.2% | -135.2% | ||
| Q1 25 | 27.4% | -10.3% | ||
| Q4 24 | 34.3% | -5.3% | ||
| Q3 24 | 29.8% | 4.1% | ||
| Q2 24 | 29.9% | -5.4% |
每股收益（稀释后）BYRPAY
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $-1.68 | ||
| Q3 25 | $0.82 | $-0.08 | ||
| Q2 25 | $0.66 | $-1.15 | ||
| Q1 25 | $0.64 | $-0.09 | ||
| Q4 24 | $0.68 | $-0.04 | ||
| Q3 24 | $0.69 | $0.03 | ||
| Q2 24 | $0.68 | $-0.04 |
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 | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $1.3B | $484.4M |
| 总资产 | $9.9B | $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BYRPAY
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $115.7M | ||
| Q3 25 | $259.0M | $95.7M | ||
| Q2 25 | $218.3M | $162.6M | ||
| Q1 25 | $421.3M | $165.5M | ||
| Q4 24 | $563.1M | $189.5M | ||
| Q3 24 | $452.6M | $168.7M | ||
| Q2 24 | $730.5M | $147.1M |
总债务BYRPAY
| Q1 26 | — | — | ||
| 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 |
股东权益BYRPAY
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $484.4M | ||
| Q3 25 | $1.2B | $616.9M | ||
| Q2 25 | $1.2B | $633.7M | ||
| Q1 25 | $1.1B | $755.7M | ||
| Q4 24 | $1.1B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.0B | $815.4M |
总资产BYRPAY
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $1.2B | ||
| Q3 25 | $9.8B | $1.3B | ||
| Q2 25 | $9.7B | $1.4B | ||
| Q1 25 | $9.6B | $1.5B | ||
| Q4 24 | $9.5B | $1.6B | ||
| Q3 24 | $9.4B | $1.6B | ||
| Q2 24 | $9.6B | $1.5B |
负债/权益比BYRPAY
| Q1 26 | — | — | ||
| 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× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $23.2M |
| 自由现金流率自由现金流/营收 | — | 29.6% |
| 资本支出强度资本支出/营收 | — | 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 | — | $90.7M |
8季度趋势，按日历期对齐
经营现金流BYRPAY
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $23.3M | ||
| Q3 25 | $38.3M | $32.2M | ||
| Q2 25 | $16.3M | $33.1M | ||
| Q1 25 | $27.1M | $2.5M | ||
| Q4 24 | $175.2M | $34.3M | ||
| Q3 24 | $19.8M | $60.1M | ||
| Q2 24 | $40.1M | $31.0M |
自由现金流BYRPAY
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $23.2M | ||
| Q3 25 | $38.0M | $32.1M | ||
| Q2 25 | $15.2M | $33.0M | ||
| Q1 25 | $25.0M | $2.4M | ||
| Q4 24 | $171.2M | $34.0M | ||
| Q3 24 | $19.1M | $59.8M | ||
| Q2 24 | $39.4M | $30.5M |
自由现金流率BYRPAY
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 29.6% | ||
| Q3 25 | 32.8% | 41.3% | ||
| Q2 25 | 13.7% | 43.6% | ||
| Q1 25 | 24.3% | 3.0% | ||
| Q4 24 | 163.5% | 43.5% | ||
| Q3 24 | 18.8% | 75.6% | ||
| Q2 24 | 39.7% | 40.7% |
资本支出强度BYRPAY
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 0.1% | ||
| Q3 25 | 0.3% | 0.2% | ||
| Q2 25 | 1.0% | 0.1% | ||
| Q1 25 | 2.0% | 0.2% | ||
| Q4 24 | 3.8% | 0.3% | ||
| Q3 24 | 0.6% | 0.3% | ||
| Q2 24 | 0.7% | 0.6% |
现金转化率BYRPAY
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | — | ||
| Q2 25 | 0.54× | — | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 0.65× | 18.52× | ||
| Q2 24 | 1.35× | — |
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
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
