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Capitol Federal Financial, Inc.（CFFN）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Capitol Federal Financial, Inc.的1.4倍（$78.6M vs $57.7M），Capitol Federal Financial, Inc.净利率更高（34.9% vs -178.3%，领先213.2%），过去两年Capitol Federal Financial, Inc.的营收复合增速更高（12.1% vs -1.3%）
国会联邦储蓄银行（CapFed）成立于1893年，是获得联邦特许并承保的储蓄银行，总部位于堪萨斯州托皮卡。该行目前共有51个网点，覆盖堪萨斯城都会区的堪萨斯州与密苏里州两侧，为个人及企业提供各类金融服务，其控股公司国会联邦金融 Inc.在纳斯达克挂牌上市。
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。
CFFN vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.4倍
$57.7M
净利率更高
CFFN
高出213.2%
-178.3%
两年增速更快
CFFN
近两年复合增速
-1.3%
损益表 — Q2 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $57.7M | $78.6M |
| 净利润 | $20.1M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 34.9% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | — | $-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CFFNRPAY
| Q1 26 | $57.7M | — | ||
| Q4 25 | $56.8M | $78.6M | ||
| Q3 25 | $54.6M | $77.7M | ||
| Q2 25 | $50.7M | $75.6M | ||
| Q1 25 | $48.8M | $77.3M | ||
| Q4 24 | $46.9M | $78.3M | ||
| Q3 24 | — | $79.1M | ||
| Q2 24 | $45.0M | $74.9M |
净利润CFFNRPAY
| Q1 26 | $20.1M | — | ||
| Q4 25 | $20.3M | $-140.1M | ||
| Q3 25 | $18.8M | $-6.4M | ||
| Q2 25 | $18.4M | $-102.3M | ||
| Q1 25 | $15.4M | $-7.9M | ||
| Q4 24 | $15.4M | $-4.1M | ||
| Q3 24 | — | $3.2M | ||
| Q2 24 | $9.6M | $-4.1M |
毛利率CFFNRPAY
| 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CFFNRPAY
| Q1 26 | — | — | ||
| Q4 25 | 44.4% | -182.2% | ||
| Q3 25 | 42.2% | -3.9% | ||
| Q2 25 | 42.6% | -138.7% | ||
| Q1 25 | 39.5% | -4.7% | ||
| Q4 24 | 40.7% | -1.5% | ||
| Q3 24 | — | -0.9% | ||
| Q2 24 | 34.7% | -4.6% |
净利率CFFNRPAY
| Q1 26 | 34.9% | — | ||
| Q4 25 | 35.7% | -178.3% | ||
| Q3 25 | 34.5% | -8.3% | ||
| Q2 25 | 36.2% | -135.2% | ||
| Q1 25 | 31.6% | -10.3% | ||
| Q4 24 | 32.9% | -5.3% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | 21.4% | -5.4% |
每股收益（稀释后）CFFNRPAY
| Q1 26 | — | — | ||
| Q4 25 | $0.16 | $-1.68 | ||
| Q3 25 | $0.14 | $-0.08 | ||
| Q2 25 | $0.14 | $-1.15 | ||
| Q1 25 | $0.12 | $-0.09 | ||
| Q4 24 | $0.12 | $-0.04 | ||
| Q3 24 | — | $0.03 | ||
| Q2 24 | $0.07 | $-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 | $2.5M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $1.0B | $484.4M |
| 总资产 | $9.8B | $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CFFNRPAY
| Q1 26 | $2.5M | — | ||
| Q4 25 | $232.6M | $115.7M | ||
| Q3 25 | $252.4M | $95.7M | ||
| Q2 25 | $175.0M | $162.6M | ||
| Q1 25 | $340.4M | $165.5M | ||
| Q4 24 | $170.3M | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | $317.8M | $147.1M |
总债务CFFNRPAY
| Q1 26 | — | — | ||
| 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CFFNRPAY
| Q1 26 | $1.0B | — | ||
| Q4 25 | $1.0B | $484.4M | ||
| Q3 25 | $1.0B | $616.9M | ||
| Q2 25 | $1.0B | $633.7M | ||
| Q1 25 | $1.0B | $755.7M | ||
| Q4 24 | $1.0B | $761.3M | ||
| Q3 24 | — | $754.7M | ||
| Q2 24 | $1.0B | $815.4M |
总资产CFFNRPAY
| Q1 26 | $9.8B | — | ||
| Q4 25 | $9.8B | $1.2B | ||
| Q3 25 | $9.8B | $1.3B | ||
| Q2 25 | $9.7B | $1.4B | ||
| Q1 25 | $9.7B | $1.5B | ||
| Q4 24 | $9.5B | $1.6B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | $9.6B | $1.5B |
负债/权益比CFFNRPAY
| Q1 26 | — | — | ||
| 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CFFNRPAY
| Q1 26 | — | — | ||
| Q4 25 | $17.4M | $23.3M | ||
| Q3 25 | $55.0M | $32.2M | ||
| Q2 25 | $12.4M | $33.1M | ||
| Q1 25 | $15.5M | $2.5M | ||
| Q4 24 | $5.6M | $34.3M | ||
| Q3 24 | — | $60.1M | ||
| Q2 24 | $19.1M | $31.0M |
自由现金流CFFNRPAY
| Q1 26 | — | — | ||
| Q4 25 | $15.8M | $23.2M | ||
| Q3 25 | $49.8M | $32.1M | ||
| Q2 25 | $10.8M | $33.0M | ||
| Q1 25 | $14.7M | $2.4M | ||
| Q4 24 | $4.5M | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | $16.4M | $30.5M |
自由现金流率CFFNRPAY
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 29.6% | ||
| Q3 25 | 91.3% | 41.3% | ||
| Q2 25 | 21.2% | 43.6% | ||
| Q1 25 | 30.2% | 3.0% | ||
| Q4 24 | 9.5% | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | 36.5% | 40.7% |
资本支出强度CFFNRPAY
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 0.1% | ||
| Q3 25 | 9.5% | 0.2% | ||
| Q2 25 | 3.2% | 0.1% | ||
| Q1 25 | 1.5% | 0.2% | ||
| Q4 24 | 2.5% | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | 5.9% | 0.6% |
现金转化率CFFNRPAY
| Q1 26 | — | — | ||
| Q4 25 | 0.86× | — | ||
| Q3 25 | 2.93× | — | ||
| Q2 25 | 0.67× | — | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 0.36× | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | 1.98× | — |
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
CFFN
| Net Interest Income | $52.3M | 91% |
| Noninterest Income | $5.5M | 9% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
