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COASTAL FINANCIAL CORP（CCB）与CANTALOUPE, INC.（CTLP）财务数据对比。点击上方公司名可切换其他公司
COASTAL FINANCIAL CORP的季度营收约是CANTALOUPE, INC.的1.8倍（$138.0M vs $78.7M），CANTALOUPE, INC.同比增速更快（6.8% vs -5.8%），COASTAL FINANCIAL CORP自由现金流更多（$246.1M vs $-614.0K），过去两年CANTALOUPE, INC.的营收复合增速更高（7.7% vs -3.6%）
富达国民金融是美国财富500强企业，面向房地产与按揭行业提供产权保险及交割服务。2019年，其产权及房地产业务相关年营收约为84.69亿美元，是行业内具有领先地位的金融服务提供商。
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...
CCB vs CTLP — 直观对比
营收规模更大
CCB
是对方的1.8倍
$78.7M
营收增速更快
CTLP
高出12.5%
-5.8%
自由现金流更多
CCB
多$246.8M
$-614.0K
两年增速更快
CTLP
近两年复合增速
-3.6%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $138.0M | $78.7M |
| 净利润 | — | $-70.0K |
| 毛利率 | — | — |
| 营业利润率 | 12.4% | 2.0% |
| 净利率 | — | -0.1% |
| 营收同比 | -5.8% | 6.8% |
| 净利润同比 | — | -101.4% |
| 每股收益（稀释后） | $0.84 | $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CCBCTLP
| Q4 25 | $138.0M | $78.7M | ||
| Q3 25 | $144.7M | $80.9M | ||
| Q2 25 | $119.4M | $82.6M | ||
| Q1 25 | $139.5M | $75.4M | ||
| Q4 24 | $146.5M | $73.7M | ||
| Q3 24 | $151.1M | $70.8M | ||
| Q2 24 | $135.3M | $72.7M | ||
| Q1 24 | $148.4M | $67.9M |
净利润CCBCTLP
| Q4 25 | — | $-70.0K | ||
| Q3 25 | $13.6M | $-919.0K | ||
| Q2 25 | $11.0M | $6.8M | ||
| Q1 25 | $9.7M | $49.2M | ||
| Q4 24 | — | $5.0M | ||
| Q3 24 | $13.5M | $3.6M | ||
| Q2 24 | $11.6M | $2.2M | ||
| Q1 24 | $6.8M | $4.7M |
毛利率CCBCTLP
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 39.6% |
营业利润率CCBCTLP
| Q4 25 | 12.4% | 2.0% | ||
| Q3 25 | 12.4% | 2.0% | ||
| Q2 25 | 12.0% | 6.3% | ||
| Q1 25 | 8.4% | 9.1% | ||
| Q4 24 | 11.7% | 8.4% | ||
| Q3 24 | 10.8% | 5.8% | ||
| Q2 24 | 11.1% | 4.9% | ||
| Q1 24 | 5.9% | 6.3% |
净利率CCBCTLP
| Q4 25 | — | -0.1% | ||
| Q3 25 | 9.4% | -1.1% | ||
| Q2 25 | 9.2% | 8.3% | ||
| Q1 25 | 7.0% | 65.2% | ||
| Q4 24 | — | 6.7% | ||
| Q3 24 | 8.9% | 5.0% | ||
| Q2 24 | 8.6% | 3.0% | ||
| Q1 24 | 4.6% | 6.9% |
每股收益（稀释后）CCBCTLP
| Q4 25 | $0.84 | $0.00 | ||
| Q3 25 | $0.88 | $-0.02 | ||
| Q2 25 | $0.71 | $0.10 | ||
| Q1 25 | $0.63 | $0.65 | ||
| Q4 24 | $0.95 | $0.07 | ||
| Q3 24 | $0.97 | $0.04 | ||
| Q2 24 | $0.84 | $0.03 | ||
| Q1 24 | $0.50 | $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 | — | $53.0M |
| 总债务越低越好 | — | $37.7M |
| 股东权益账面价值 | $491.0M | $252.5M |
| 总资产 | $4.7B | $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CCBCTLP
| Q4 25 | — | $53.0M | ||
| Q3 25 | — | $55.0M | ||
| Q2 25 | — | $51.1M | ||
| Q1 25 | — | $46.3M | ||
| Q4 24 | — | $27.7M | ||
| Q3 24 | — | $33.1M | ||
| Q2 24 | — | $58.9M | ||
| Q1 24 | — | $50.2M |
总债务CCBCTLP
| 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 | ||
| Q1 24 | — | $38.1M |
股东权益CCBCTLP
| Q4 25 | $491.0M | $252.5M | ||
| Q3 25 | $475.3M | $251.8M | ||
| Q2 25 | $461.7M | $251.0M | ||
| Q1 25 | $449.9M | $240.7M | ||
| Q4 24 | $438.7M | $190.1M | ||
| Q3 24 | $331.9M | $186.2M | ||
| Q2 24 | $316.7M | $181.7M | ||
| Q1 24 | $303.7M | $178.8M |
总资产CCBCTLP
| Q4 25 | $4.7B | $381.9M | ||
| Q3 25 | $4.6B | $389.5M | ||
| Q2 25 | $4.5B | $381.9M | ||
| Q1 25 | $4.3B | $370.5M | ||
| Q4 24 | $4.1B | $303.0M | ||
| Q3 24 | $4.1B | $312.1M | ||
| Q2 24 | $4.0B | $335.6M | ||
| Q1 24 | $3.9B | $319.9M |
负债/权益比CCBCTLP
| 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× | ||
| Q1 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 | $254.6M | $3.1M |
| 自由现金流经营现金流 - 资本支出 | $246.1M | $-614.0K |
| 自由现金流率自由现金流/营收 | 178.3% | -0.8% |
| 资本支出强度资本支出/营收 | 6.1% | 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 | $436.4M | $25.8M |
8季度趋势，按日历期对齐
经营现金流CCBCTLP
| Q4 25 | $254.6M | $3.1M | ||
| Q3 25 | $59.0M | $7.0M | ||
| Q2 25 | $66.0M | $9.4M | ||
| Q1 25 | $71.7M | $22.4M | ||
| Q4 24 | $259.8M | $522.0K | ||
| Q3 24 | $62.6M | $-12.0M | ||
| Q2 24 | $72.1M | $14.3M | ||
| Q1 24 | $56.8M | $14.7M |
自由现金流CCBCTLP
| Q4 25 | $246.1M | $-614.0K | ||
| Q3 25 | $57.4M | $3.5M | ||
| Q2 25 | $64.0M | $4.3M | ||
| Q1 25 | $68.9M | $18.6M | ||
| Q4 24 | $249.9M | $-3.8M | ||
| Q3 24 | $60.2M | $-15.8M | ||
| Q2 24 | $69.5M | $8.5M | ||
| Q1 24 | $55.0M | $11.4M |
自由现金流率CCBCTLP
| Q4 25 | 178.3% | -0.8% | ||
| Q3 25 | 39.7% | 4.4% | ||
| Q2 25 | 53.6% | 5.3% | ||
| Q1 25 | 49.4% | 24.6% | ||
| Q4 24 | 170.6% | -5.1% | ||
| Q3 24 | 39.8% | -22.3% | ||
| Q2 24 | 51.3% | 11.7% | ||
| Q1 24 | 37.1% | 16.9% |
资本支出强度CCBCTLP
| Q4 25 | 6.1% | 4.8% | ||
| Q3 25 | 1.2% | 4.2% | ||
| Q2 25 | 1.7% | 6.2% | ||
| Q1 25 | 2.0% | 5.1% | ||
| Q4 24 | 6.8% | 5.8% | ||
| Q3 24 | 1.6% | 5.4% | ||
| Q2 24 | 1.9% | 7.9% | ||
| Q1 24 | 1.2% | 4.8% |
现金转化率CCBCTLP
| Q4 25 | — | — | ||
| Q3 25 | 4.34× | — | ||
| Q2 25 | 5.99× | 1.38× | ||
| Q1 25 | 7.37× | 0.46× | ||
| Q4 24 | — | 0.10× | ||
| Q3 24 | 4.65× | -3.36× | ||
| Q2 24 | 6.22× | 6.47× | ||
| Q1 24 | 8.35× | 3.16× |
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
CCB
| Other | $74.7M | 54% |
| Baa S Credit Enhancements | $47.3M | 34% |
| Baa S Program Income | $8.4M | 6% |
| Transaction Fees | $4.9M | 4% |
| Servicing And Other Baa S Fees | $1.6M | 1% |
| Baa S Fraud Enhancements | $1.1M | 1% |
CTLP
| Transaction Processing | $47.9M | 61% |
| Subscription Revenue | $21.8M | 28% |
| Products | $9.0M | 11% |
