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COASTAL FINANCIAL CORP（CCB）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
COASTAL FINANCIAL CORP的季度营收约是Repay Holdings Corp的1.8倍（$138.0M vs $78.6M），Repay Holdings Corp同比增速更快（0.4% vs -5.8%），COASTAL FINANCIAL CORP自由现金流更多（$246.1M vs $23.2M），过去两年Repay Holdings Corp的营收复合增速更高（-1.3% 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。
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。
CCB vs RPAY — 直观对比
营收规模更大
CCB
是对方的1.8倍
$78.6M
营收增速更快
RPAY
高出6.2%
-5.8%
自由现金流更多
CCB
多$222.9M
$23.2M
两年增速更快
RPAY
近两年复合增速
-3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $138.0M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 12.4% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | -5.8% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $0.84 | $-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CCBRPAY
| Q4 25 | $138.0M | $78.6M | ||
| Q3 25 | $144.7M | $77.7M | ||
| Q2 25 | $119.4M | $75.6M | ||
| Q1 25 | $139.5M | $77.3M | ||
| Q4 24 | $146.5M | $78.3M | ||
| Q3 24 | $151.1M | $79.1M | ||
| Q2 24 | $135.3M | $74.9M | ||
| Q1 24 | $148.4M | $80.7M |
净利润CCBRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $13.6M | $-6.4M | ||
| Q2 25 | $11.0M | $-102.3M | ||
| Q1 25 | $9.7M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $13.5M | $3.2M | ||
| Q2 24 | $11.6M | $-4.1M | ||
| Q1 24 | $6.8M | $-5.2M |
毛利率CCBRPAY
| 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% |
营业利润率CCBRPAY
| Q4 25 | 12.4% | -182.2% | ||
| Q3 25 | 12.4% | -3.9% | ||
| Q2 25 | 12.0% | -138.7% | ||
| Q1 25 | 8.4% | -4.7% | ||
| Q4 24 | 11.7% | -1.5% | ||
| Q3 24 | 10.8% | -0.9% | ||
| Q2 24 | 11.1% | -4.6% | ||
| Q1 24 | 5.9% | -3.1% |
净利率CCBRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 9.4% | -8.3% | ||
| Q2 25 | 9.2% | -135.2% | ||
| Q1 25 | 7.0% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 8.9% | 4.1% | ||
| Q2 24 | 8.6% | -5.4% | ||
| Q1 24 | 4.6% | -6.5% |
每股收益（稀释后）CCBRPAY
| Q4 25 | $0.84 | $-1.68 | ||
| Q3 25 | $0.88 | $-0.08 | ||
| Q2 25 | $0.71 | $-1.15 | ||
| Q1 25 | $0.63 | $-0.09 | ||
| Q4 24 | $0.95 | $-0.04 | ||
| Q3 24 | $0.97 | $0.03 | ||
| Q2 24 | $0.84 | $-0.04 | ||
| 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 | — | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $491.0M | $484.4M |
| 总资产 | $4.7B | $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CCBRPAY
| 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 | ||
| Q1 24 | — | $128.3M |
总债务CCBRPAY
| 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 |
股东权益CCBRPAY
| Q4 25 | $491.0M | $484.4M | ||
| Q3 25 | $475.3M | $616.9M | ||
| Q2 25 | $461.7M | $633.7M | ||
| Q1 25 | $449.9M | $755.7M | ||
| Q4 24 | $438.7M | $761.3M | ||
| Q3 24 | $331.9M | $754.7M | ||
| Q2 24 | $316.7M | $815.4M | ||
| Q1 24 | $303.7M | $813.8M |
总资产CCBRPAY
| Q4 25 | $4.7B | $1.2B | ||
| Q3 25 | $4.6B | $1.3B | ||
| Q2 25 | $4.5B | $1.4B | ||
| Q1 25 | $4.3B | $1.5B | ||
| Q4 24 | $4.1B | $1.6B | ||
| Q3 24 | $4.1B | $1.6B | ||
| Q2 24 | $4.0B | $1.5B | ||
| Q1 24 | $3.9B | $1.5B |
负债/权益比CCBRPAY
| 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 | $254.6M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $246.1M | $23.2M |
| 自由现金流率自由现金流/营收 | 178.3% | 29.6% |
| 资本支出强度资本支出/营收 | 6.1% | 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 | $436.4M | $90.7M |
8季度趋势，按日历期对齐
经营现金流CCBRPAY
| Q4 25 | $254.6M | $23.3M | ||
| Q3 25 | $59.0M | $32.2M | ||
| Q2 25 | $66.0M | $33.1M | ||
| Q1 25 | $71.7M | $2.5M | ||
| Q4 24 | $259.8M | $34.3M | ||
| Q3 24 | $62.6M | $60.1M | ||
| Q2 24 | $72.1M | $31.0M | ||
| Q1 24 | $56.8M | $24.8M |
自由现金流CCBRPAY
| Q4 25 | $246.1M | $23.2M | ||
| Q3 25 | $57.4M | $32.1M | ||
| Q2 25 | $64.0M | $33.0M | ||
| Q1 25 | $68.9M | $2.4M | ||
| Q4 24 | $249.9M | $34.0M | ||
| Q3 24 | $60.2M | $59.8M | ||
| Q2 24 | $69.5M | $30.5M | ||
| Q1 24 | $55.0M | $24.7M |
自由现金流率CCBRPAY
| Q4 25 | 178.3% | 29.6% | ||
| Q3 25 | 39.7% | 41.3% | ||
| Q2 25 | 53.6% | 43.6% | ||
| Q1 25 | 49.4% | 3.0% | ||
| Q4 24 | 170.6% | 43.5% | ||
| Q3 24 | 39.8% | 75.6% | ||
| Q2 24 | 51.3% | 40.7% | ||
| Q1 24 | 37.1% | 30.6% |
资本支出强度CCBRPAY
| Q4 25 | 6.1% | 0.1% | ||
| Q3 25 | 1.2% | 0.2% | ||
| Q2 25 | 1.7% | 0.1% | ||
| Q1 25 | 2.0% | 0.2% | ||
| Q4 24 | 6.8% | 0.3% | ||
| Q3 24 | 1.6% | 0.3% | ||
| Q2 24 | 1.9% | 0.6% | ||
| Q1 24 | 1.2% | 0.1% |
现金转化率CCBRPAY
| Q4 25 | — | — | ||
| Q3 25 | 4.34× | — | ||
| Q2 25 | 5.99× | — | ||
| Q1 25 | 7.37× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 4.65× | 18.52× | ||
| Q2 24 | 6.22× | — | ||
| Q1 24 | 8.35× | — |
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
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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
