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Cardlytics, Inc.（CDLX）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Cardlytics, Inc.的1.5倍（$78.6M vs $50.9M），Repay Holdings Corp同比增速更快（0.4% vs -25.5%），Repay Holdings Corp自由现金流更多（$23.2M vs $13.0M），过去两年Repay Holdings Corp的营收复合增速更高（-1.3% vs -9.6%）
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。
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。
CDLX vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.5倍
$50.9M
营收增速更快
RPAY
高出25.9%
-25.5%
自由现金流更多
RPAY
多$10.2M
$13.0M
两年增速更快
RPAY
近两年复合增速
-9.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $50.9M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | -12.0% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | -25.5% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $-0.15 | $-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CDLXRPAY
| Q4 25 | $50.9M | $78.6M | ||
| Q3 25 | $47.0M | $77.7M | ||
| Q2 25 | $58.0M | $75.6M | ||
| Q1 25 | $56.4M | $77.3M | ||
| Q4 24 | $68.3M | $78.3M | ||
| Q3 24 | $61.1M | $79.1M | ||
| Q2 24 | $64.0M | $74.9M | ||
| Q1 24 | $62.2M | $80.7M |
净利润CDLXRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $-72.7M | $-6.4M | ||
| Q2 25 | $-9.3M | $-102.3M | ||
| Q1 25 | $-13.3M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $-145.2M | $3.2M | ||
| Q2 24 | $-4.3M | $-4.1M | ||
| Q1 24 | $-24.3M | $-5.2M |
毛利率CDLXRPAY
| 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CDLXRPAY
| Q4 25 | -12.0% | -182.2% | ||
| Q3 25 | -146.6% | -3.9% | ||
| Q2 25 | -22.0% | -138.7% | ||
| Q1 25 | -24.9% | -4.7% | ||
| Q4 24 | -12.2% | -1.5% | ||
| Q3 24 | -243.1% | -0.9% | ||
| Q2 24 | -24.7% | -4.6% | ||
| Q1 24 | -36.7% | -3.1% |
净利率CDLXRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | -154.7% | -8.3% | ||
| Q2 25 | -16.0% | -135.2% | ||
| Q1 25 | -23.5% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | -237.6% | 4.1% | ||
| Q2 24 | -6.7% | -5.4% | ||
| Q1 24 | -39.0% | -6.5% |
每股收益（稀释后）CDLXRPAY
| Q4 25 | $-0.15 | $-1.68 | ||
| Q3 25 | $-1.36 | $-0.08 | ||
| Q2 25 | $-0.18 | $-1.15 | ||
| Q1 25 | $-0.26 | $-0.09 | ||
| Q4 24 | $-0.36 | $-0.04 | ||
| Q3 24 | $-2.90 | $0.03 | ||
| Q2 24 | $-0.09 | $-0.04 | ||
| Q1 24 | $-0.56 | $-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 | $48.7M | $115.7M |
| 总债务越低越好 | $212.6M | $280.1M |
| 股东权益账面价值 | $-6.5M | $484.4M |
| 总资产 | $285.6M | $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CDLXRPAY
| Q4 25 | $48.7M | $115.7M | ||
| Q3 25 | $44.0M | $95.7M | ||
| Q2 25 | $46.7M | $162.6M | ||
| Q1 25 | $52.0M | $165.5M | ||
| Q4 24 | $65.6M | $189.5M | ||
| Q3 24 | $67.0M | $168.7M | ||
| Q2 24 | $71.2M | $147.1M | ||
| Q1 24 | $97.8M | $128.3M |
总债务CDLXRPAY
| Q4 25 | $212.6M | $280.1M | ||
| Q3 25 | $214.6M | $279.5M | ||
| Q2 25 | $214.3M | $279.0M | ||
| Q1 25 | $213.9M | $497.6M | ||
| Q4 24 | $213.6M | $496.8M | ||
| Q3 24 | $213.2M | $496.2M | ||
| Q2 24 | $212.9M | $435.6M | ||
| Q1 24 | $257.9M | $434.9M |
股东权益CDLXRPAY
| Q4 25 | $-6.5M | $484.4M | ||
| Q3 25 | $-4.7M | $616.9M | ||
| Q2 25 | $58.7M | $633.7M | ||
| Q1 25 | $64.1M | $755.7M | ||
| Q4 24 | $70.0M | $761.3M | ||
| Q3 24 | $69.7M | $754.7M | ||
| Q2 24 | $210.0M | $815.4M | ||
| Q1 24 | $199.1M | $813.8M |
总资产CDLXRPAY
| Q4 25 | $285.6M | $1.2B | ||
| Q3 25 | $292.8M | $1.3B | ||
| Q2 25 | $361.1M | $1.4B | ||
| Q1 25 | $369.1M | $1.5B | ||
| Q4 24 | $392.7M | $1.6B | ||
| Q3 24 | $399.4M | $1.6B | ||
| Q2 24 | $534.4M | $1.5B | ||
| Q1 24 | $569.0M | $1.5B |
负债/权益比CDLXRPAY
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | 3.65× | 0.44× | ||
| Q1 25 | 3.34× | 0.66× | ||
| Q4 24 | 3.05× | 0.65× | ||
| Q3 24 | 3.06× | 0.66× | ||
| Q2 24 | 1.01× | 0.53× | ||
| Q1 24 | 1.29× | 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 | $13.0M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $13.0M | $23.2M |
| 自由现金流率自由现金流/营收 | 25.5% | 29.6% |
| 资本支出强度资本支出/营收 | 0.0% | 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 | $8.8M | $90.7M |
8季度趋势，按日历期对齐
经营现金流CDLXRPAY
| Q4 25 | $13.0M | $23.3M | ||
| Q3 25 | $1.8M | $32.2M | ||
| Q2 25 | $1.2M | $33.1M | ||
| Q1 25 | $-6.7M | $2.5M | ||
| Q4 24 | $3.0M | $34.3M | ||
| Q3 24 | $1.4M | $60.1M | ||
| Q2 24 | $4.4M | $31.0M | ||
| Q1 24 | $-17.6M | $24.8M |
自由现金流CDLXRPAY
| Q4 25 | $13.0M | $23.2M | ||
| Q3 25 | $1.7M | $32.1M | ||
| Q2 25 | $903.0K | $33.0M | ||
| Q1 25 | $-6.8M | $2.4M | ||
| Q4 24 | $2.9M | $34.0M | ||
| Q3 24 | $878.0K | $59.8M | ||
| Q2 24 | $4.1M | $30.5M | ||
| Q1 24 | $-18.3M | $24.7M |
自由现金流率CDLXRPAY
| Q4 25 | 25.5% | 29.6% | ||
| Q3 25 | 3.7% | 41.3% | ||
| Q2 25 | 1.6% | 43.6% | ||
| Q1 25 | -12.1% | 3.0% | ||
| Q4 24 | 4.2% | 43.5% | ||
| Q3 24 | 1.4% | 75.6% | ||
| Q2 24 | 6.5% | 40.7% | ||
| Q1 24 | -29.4% | 30.6% |
资本支出强度CDLXRPAY
| Q4 25 | 0.0% | 0.1% | ||
| Q3 25 | 0.0% | 0.2% | ||
| Q2 25 | 0.6% | 0.1% | ||
| Q1 25 | 0.2% | 0.2% | ||
| Q4 24 | 0.2% | 0.3% | ||
| Q3 24 | 0.8% | 0.3% | ||
| Q2 24 | 0.4% | 0.6% | ||
| Q1 24 | 1.0% | 0.1% |
现金转化率CDLXRPAY
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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
CDLX
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% |
