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CAMDEN NATIONAL CORP（CAC）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CAMDEN NATIONAL CORP的1.2倍（$78.6M vs $64.3M），CAMDEN NATIONAL CORP净利率更高（34.0% vs -178.3%，领先212.3%），过去两年CAMDEN NATIONAL CORP的营收复合增速更高（22.6% vs -1.3%）
卡姆登国民银行是一家总部位于美国缅因州卡姆登的商业银行，是上市银行控股公司卡姆登国民集团的核心子公司。该行创立于1875年，1984年完成企业重组后成为控股公司直接持有的全资子公司。2025年与诺斯韦金融合并后，合并后机构总资产约为70亿美元。
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。
CAC vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.2倍
$64.3M
净利率更高
CAC
高出212.3%
-178.3%
两年增速更快
CAC
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $64.3M | $78.6M |
| 净利润 | $21.9M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 34.0% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $1.29 | $-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CACRPAY
| Q1 26 | $64.3M | — | ||
| Q4 25 | $68.1M | $78.6M | ||
| Q3 25 | $65.4M | $77.7M | ||
| Q2 25 | $62.3M | $75.6M | ||
| Q1 25 | $60.1M | $77.3M | ||
| Q4 24 | $47.6M | $78.3M | ||
| Q3 24 | $45.0M | $79.1M | ||
| Q2 24 | $42.8M | $74.9M |
净利润CACRPAY
| Q1 26 | $21.9M | — | ||
| Q4 25 | $22.6M | $-140.1M | ||
| Q3 25 | $21.2M | $-6.4M | ||
| Q2 25 | $14.1M | $-102.3M | ||
| Q1 25 | $7.3M | $-7.9M | ||
| Q4 24 | $14.7M | $-4.1M | ||
| Q3 24 | $13.1M | $3.2M | ||
| Q2 24 | $12.0M | $-4.1M |
毛利率CACRPAY
| 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CACRPAY
| Q1 26 | — | — | ||
| Q4 25 | 41.5% | -182.2% | ||
| Q3 25 | 40.5% | -3.9% | ||
| Q2 25 | 28.5% | -138.7% | ||
| Q1 25 | 10.3% | -4.7% | ||
| Q4 24 | 38.7% | -1.5% | ||
| Q3 24 | 35.2% | -0.9% | ||
| Q2 24 | 34.7% | -4.6% |
净利率CACRPAY
| Q1 26 | 34.0% | — | ||
| Q4 25 | 33.1% | -178.3% | ||
| Q3 25 | 32.4% | -8.3% | ||
| Q2 25 | 22.6% | -135.2% | ||
| Q1 25 | 12.2% | -10.3% | ||
| Q4 24 | 30.8% | -5.3% | ||
| Q3 24 | 29.1% | 4.1% | ||
| Q2 24 | 28.0% | -5.4% |
每股收益（稀释后）CACRPAY
| Q1 26 | $1.29 | — | ||
| Q4 25 | $1.33 | $-1.68 | ||
| Q3 25 | $1.25 | $-0.08 | ||
| Q2 25 | $0.83 | $-1.15 | ||
| Q1 25 | $0.43 | $-0.09 | ||
| Q4 24 | $1.00 | $-0.04 | ||
| Q3 24 | $0.90 | $0.03 | ||
| Q2 24 | $0.81 | $-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 | — | $115.7M |
| 总债务越低越好 | $514.4M | $280.1M |
| 股东权益账面价值 | $710.0M | $484.4M |
| 总资产 | $7.0B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.72× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资CACRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M |
总债务CACRPAY
| Q1 26 | $514.4M | — | ||
| 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CACRPAY
| Q1 26 | $710.0M | — | ||
| Q4 25 | $696.6M | $484.4M | ||
| Q3 25 | $676.4M | $616.9M | ||
| Q2 25 | $652.1M | $633.7M | ||
| Q1 25 | $640.1M | $755.7M | ||
| Q4 24 | $531.2M | $761.3M | ||
| Q3 24 | $529.9M | $754.7M | ||
| Q2 24 | $508.3M | $815.4M |
总资产CACRPAY
| Q1 26 | $7.0B | — | ||
| Q4 25 | $7.0B | $1.2B | ||
| Q3 25 | $7.0B | $1.3B | ||
| Q2 25 | $6.9B | $1.4B | ||
| Q1 25 | $7.0B | $1.5B | ||
| Q4 24 | $5.8B | $1.6B | ||
| Q3 24 | $5.7B | $1.6B | ||
| Q2 24 | $5.7B | $1.5B |
负债/权益比CACRPAY
| Q1 26 | 0.72× | — | ||
| 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CACRPAY
| Q1 26 | — | — | ||
| Q4 25 | $63.9M | $23.3M | ||
| Q3 25 | $36.1M | $32.2M | ||
| Q2 25 | $6.0M | $33.1M | ||
| Q1 25 | $1.0M | $2.5M | ||
| Q4 24 | $60.9M | $34.3M | ||
| Q3 24 | $-14.5M | $60.1M | ||
| Q2 24 | $14.5M | $31.0M |
自由现金流CACRPAY
| Q1 26 | — | — | ||
| Q4 25 | $58.2M | $23.2M | ||
| Q3 25 | $35.4M | $32.1M | ||
| Q2 25 | $4.5M | $33.0M | ||
| Q1 25 | $-727.0K | $2.4M | ||
| Q4 24 | $55.4M | $34.0M | ||
| Q3 24 | $-16.2M | $59.8M | ||
| Q2 24 | $13.2M | $30.5M |
自由现金流率CACRPAY
| Q1 26 | — | — | ||
| Q4 25 | 85.5% | 29.6% | ||
| Q3 25 | 54.1% | 41.3% | ||
| Q2 25 | 7.3% | 43.6% | ||
| Q1 25 | -1.2% | 3.0% | ||
| Q4 24 | 116.4% | 43.5% | ||
| Q3 24 | -36.0% | 75.6% | ||
| Q2 24 | 30.8% | 40.7% |
资本支出强度CACRPAY
| Q1 26 | — | — | ||
| Q4 25 | 8.4% | 0.1% | ||
| Q3 25 | 1.1% | 0.2% | ||
| Q2 25 | 2.4% | 0.1% | ||
| Q1 25 | 2.9% | 0.2% | ||
| Q4 24 | 11.7% | 0.3% | ||
| Q3 24 | 3.8% | 0.3% | ||
| Q2 24 | 3.0% | 0.6% |
现金转化率CACRPAY
| Q1 26 | — | — | ||
| Q4 25 | 2.83× | — | ||
| Q3 25 | 1.70× | — | ||
| Q2 25 | 0.43× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 4.15× | — | ||
| Q3 24 | -1.11× | 18.52× | ||
| Q2 24 | 1.21× | — |
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
CAC
| Net Interest Income | $52.4M | 81% |
| Noninterest Income | $12.0M | 19% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
