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Cardlytics, Inc.（CDLX）与REPUBLIC BANCORP INC（RBCAA）财务数据对比。点击上方公司名可切换其他公司
REPUBLIC BANCORP INC的季度营收约是Cardlytics, Inc.的1.9倍（$94.3M vs $50.9M），REPUBLIC BANCORP INC同比增速更快（5.3% vs -25.5%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $13.0M），过去两年Cardlytics, Inc.的营收复合增速更高（-9.6% vs -11.5%）
Cardlytics是一家领先的购买智能与广告技术企业，与多家大型银行合作分析匿名消费者交易数据，为消费品牌、零售商及服务商提供基于真实消费行为的精准效果广告投放服务，核心业务覆盖北美与英国地区。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
CDLX vs RBCAA — 直观对比
营收规模更大
RBCAA
是对方的1.9倍
$50.9M
营收增速更快
RBCAA
高出30.8%
-25.5%
自由现金流更多
RBCAA
多$148.1M
$13.0M
两年增速更快
CDLX
近两年复合增速
-11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $50.9M | $94.3M |
| 净利润 | — | $22.8M |
| 毛利率 | — | — |
| 营业利润率 | -12.0% | 29.3% |
| 净利率 | — | 24.2% |
| 营收同比 | -25.5% | 5.3% |
| 净利润同比 | — | 20.0% |
| 每股收益（稀释后） | $-0.15 | — |
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CDLXRBCAA
| Q4 25 | $50.9M | $94.3M | ||
| Q3 25 | $47.0M | $93.5M | ||
| Q2 25 | $58.0M | $93.8M | ||
| Q1 25 | $56.4M | $135.8M | ||
| Q4 24 | $68.3M | $89.5M | ||
| Q3 24 | $61.1M | $88.1M | ||
| Q2 24 | $64.0M | $86.9M | ||
| Q1 24 | $62.2M | $120.3M |
净利润CDLXRBCAA
| Q4 25 | — | $22.8M | ||
| Q3 25 | $-72.7M | $29.7M | ||
| Q2 25 | $-9.3M | $31.5M | ||
| Q1 25 | $-13.3M | $47.3M | ||
| Q4 24 | — | $19.0M | ||
| Q3 24 | $-145.2M | $26.5M | ||
| Q2 24 | $-4.3M | $25.2M | ||
| Q1 24 | $-24.3M | $30.6M |
营业利润率CDLXRBCAA
| Q4 25 | -12.0% | 29.3% | ||
| Q3 25 | -146.6% | 40.4% | ||
| Q2 25 | -22.0% | 43.0% | ||
| Q1 25 | -24.9% | 44.1% | ||
| Q4 24 | -12.2% | 25.8% | ||
| Q3 24 | -243.1% | 38.4% | ||
| Q2 24 | -24.7% | 37.0% | ||
| Q1 24 | -36.7% | 32.2% |
净利率CDLXRBCAA
| Q4 25 | — | 24.2% | ||
| Q3 25 | -154.7% | 31.8% | ||
| Q2 25 | -16.0% | 33.5% | ||
| Q1 25 | -23.5% | 34.8% | ||
| Q4 24 | — | 21.2% | ||
| Q3 24 | -237.6% | 30.1% | ||
| Q2 24 | -6.7% | 29.0% | ||
| Q1 24 | -39.0% | 25.4% |
每股收益（稀释后）CDLXRBCAA
| Q4 25 | $-0.15 | — | ||
| Q3 25 | $-1.36 | — | ||
| Q2 25 | $-0.18 | — | ||
| Q1 25 | $-0.26 | — | ||
| Q4 24 | $-0.36 | — | ||
| Q3 24 | $-2.90 | — | ||
| Q2 24 | $-0.09 | — | ||
| Q1 24 | $-0.56 | — |
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 | $48.7M | $220.0M |
| 总债务越低越好 | $212.6M | — |
| 股东权益账面价值 | $-6.5M | $1.1B |
| 总资产 | $285.6M | $7.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CDLXRBCAA
| Q4 25 | $48.7M | $220.0M | ||
| Q3 25 | $44.0M | $484.2M | ||
| Q2 25 | $46.7M | $484.8M | ||
| Q1 25 | $52.0M | $793.0M | ||
| Q4 24 | $65.6M | $432.2M | ||
| Q3 24 | $67.0M | $530.9M | ||
| Q2 24 | $71.2M | $400.1M | ||
| Q1 24 | $97.8M | $546.4M |
总债务CDLXRBCAA
| Q4 25 | $212.6M | — | ||
| Q3 25 | $214.6M | — | ||
| Q2 25 | $214.3M | — | ||
| Q1 25 | $213.9M | — | ||
| Q4 24 | $213.6M | — | ||
| Q3 24 | $213.2M | — | ||
| Q2 24 | $212.9M | — | ||
| Q1 24 | $257.9M | — |
股东权益CDLXRBCAA
| Q4 25 | $-6.5M | $1.1B | ||
| Q3 25 | $-4.7M | $1.1B | ||
| Q2 25 | $58.7M | $1.1B | ||
| Q1 25 | $64.1M | $1.0B | ||
| Q4 24 | $70.0M | $992.0M | ||
| Q3 24 | $69.7M | $979.7M | ||
| Q2 24 | $210.0M | $955.4M | ||
| Q1 24 | $199.1M | $935.6M |
总资产CDLXRBCAA
| Q4 25 | $285.6M | $7.0B | ||
| Q3 25 | $292.8M | $7.0B | ||
| Q2 25 | $361.1M | $7.0B | ||
| Q1 25 | $369.1M | $7.1B | ||
| Q4 24 | $392.7M | $6.8B | ||
| Q3 24 | $399.4M | $6.7B | ||
| Q2 24 | $534.4M | $6.6B | ||
| Q1 24 | $569.0M | $6.9B |
负债/权益比CDLXRBCAA
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 3.65× | — | ||
| Q1 25 | 3.34× | — | ||
| Q4 24 | 3.05× | — | ||
| Q3 24 | 3.06× | — | ||
| Q2 24 | 1.01× | — | ||
| Q1 24 | 1.29× | — |
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 | $13.0M | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $13.0M | $161.1M |
| 自由现金流率自由现金流/营收 | 25.5% | 170.9% |
| 资本支出强度资本支出/营收 | 0.0% | 7.5% |
| 现金转化率经营现金流/净利润 | — | 7.37× |
| 过去12个月自由现金流最近4个季度 | $8.8M | $288.6M |
8季度趋势，按日历期对齐
经营现金流CDLXRBCAA
| Q4 25 | $13.0M | $168.2M | ||
| Q3 25 | $1.8M | $33.3M | ||
| Q2 25 | $1.2M | $8.4M | ||
| Q1 25 | $-6.7M | $93.2M | ||
| Q4 24 | $3.0M | $149.0M | ||
| Q3 24 | $1.4M | $51.3M | ||
| Q2 24 | $4.4M | $4.0M | ||
| Q1 24 | $-17.6M | $71.2M |
自由现金流CDLXRBCAA
| Q4 25 | $13.0M | $161.1M | ||
| Q3 25 | $1.7M | $30.8M | ||
| Q2 25 | $903.0K | $5.2M | ||
| Q1 25 | $-6.8M | $91.6M | ||
| Q4 24 | $2.9M | $143.2M | ||
| Q3 24 | $878.0K | $49.8M | ||
| Q2 24 | $4.1M | $2.7M | ||
| Q1 24 | $-18.3M | $69.1M |
自由现金流率CDLXRBCAA
| Q4 25 | 25.5% | 170.9% | ||
| Q3 25 | 3.7% | 32.9% | ||
| Q2 25 | 1.6% | 5.5% | ||
| Q1 25 | -12.1% | 67.4% | ||
| Q4 24 | 4.2% | 160.0% | ||
| Q3 24 | 1.4% | 56.5% | ||
| Q2 24 | 6.5% | 3.1% | ||
| Q1 24 | -29.4% | 57.5% |
资本支出强度CDLXRBCAA
| Q4 25 | 0.0% | 7.5% | ||
| Q3 25 | 0.0% | 2.6% | ||
| Q2 25 | 0.6% | 3.5% | ||
| Q1 25 | 0.2% | 1.2% | ||
| Q4 24 | 0.2% | 6.5% | ||
| Q3 24 | 0.8% | 1.7% | ||
| Q2 24 | 0.4% | 1.5% | ||
| Q1 24 | 1.0% | 1.7% |
现金转化率CDLXRBCAA
| Q4 25 | — | 7.37× | ||
| Q3 25 | — | 1.12× | ||
| Q2 25 | — | 0.27× | ||
| Q1 25 | — | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | — | 1.93× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 2.33× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
