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Columbia Financial, Inc.（CLBK）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Columbia Financial, Inc.的1.1倍（$78.6M vs $68.8M），Columbia Financial, Inc.净利率更高（22.8% vs -178.3%，领先201.1%），Columbia Financial, Inc.同比增速更快（29.7% vs 0.4%），Columbia Financial, Inc.自由现金流更多（$58.6M vs $23.2M），过去两年Columbia Financial, Inc.的营收复合增速更高（17.7% vs -1.3%）
哥伦比亚金融公司（CLBK）是一家美国多元化金融服务及银行控股企业，提供财富管理、资产管理、保险、年金、遗产规划在内的全方位金融规划产品与服务，满足客户不同阶段的财务规划需求。
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。
CLBK vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.1倍
$68.8M
营收增速更快
CLBK
高出29.3%
0.4%
净利率更高
CLBK
高出201.1%
-178.3%
自由现金流更多
CLBK
多$35.3M
$23.2M
两年增速更快
CLBK
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $68.8M | $78.6M |
| 净利润 | $15.7M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 28.6% | -182.2% |
| 净利率 | 22.8% | -178.3% |
| 营收同比 | 29.7% | 0.4% |
| 净利润同比 | 173.9% | -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CLBKRPAY
| Q4 25 | $68.8M | $78.6M | ||
| Q3 25 | $67.3M | $77.7M | ||
| Q2 25 | $63.9M | $75.6M | ||
| Q1 25 | $58.8M | $77.3M | ||
| Q4 24 | $46.4M | $78.3M | ||
| Q3 24 | $54.3M | $79.1M | ||
| Q2 24 | $53.3M | $74.9M | ||
| Q1 24 | $49.7M | $80.7M |
净利润CLBKRPAY
| Q4 25 | $15.7M | $-140.1M | ||
| Q3 25 | $14.9M | $-6.4M | ||
| Q2 25 | $12.3M | $-102.3M | ||
| Q1 25 | $8.9M | $-7.9M | ||
| Q4 24 | $-21.2M | $-4.1M | ||
| Q3 24 | $6.2M | $3.2M | ||
| Q2 24 | $4.5M | $-4.1M | ||
| Q1 24 | $-1.2M | $-5.2M |
毛利率CLBKRPAY
| 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CLBKRPAY
| Q4 25 | 28.6% | -182.2% | ||
| Q3 25 | 29.5% | -3.9% | ||
| Q2 25 | 25.8% | -138.7% | ||
| Q1 25 | 20.4% | -4.7% | ||
| Q4 24 | -57.6% | -1.5% | ||
| Q3 24 | 13.5% | -0.9% | ||
| Q2 24 | 9.0% | -4.6% | ||
| Q1 24 | -2.6% | -3.1% |
净利率CLBKRPAY
| Q4 25 | 22.8% | -178.3% | ||
| Q3 25 | 22.1% | -8.3% | ||
| Q2 25 | 19.3% | -135.2% | ||
| Q1 25 | 15.1% | -10.3% | ||
| Q4 24 | -45.7% | -5.3% | ||
| Q3 24 | 11.4% | 4.1% | ||
| Q2 24 | 8.5% | -5.4% | ||
| Q1 24 | -2.3% | -6.5% |
每股收益（稀释后）CLBKRPAY
| Q4 25 | $0.15 | $-1.68 | ||
| Q3 25 | $0.15 | $-0.08 | ||
| Q2 25 | $0.12 | $-1.15 | ||
| Q1 25 | $0.09 | $-0.09 | ||
| Q4 24 | $-0.20 | $-0.04 | ||
| Q3 24 | $0.06 | $0.03 | ||
| Q2 24 | $0.04 | $-0.04 | ||
| Q1 24 | $-0.01 | $-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 | $340.8M | $115.7M |
| 总债务越低越好 | $1.2B | $280.1M |
| 股东权益账面价值 | $1.2B | $484.4M |
| 总资产 | $11.0B | $1.2B |
| 负债/权益比越低杠杆越低 | 1.02× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资CLBKRPAY
| Q4 25 | $340.8M | $115.7M | ||
| Q3 25 | $253.4M | $95.7M | ||
| Q2 25 | $248.2M | $162.6M | ||
| Q1 25 | $256.1M | $165.5M | ||
| Q4 24 | $289.2M | $189.5M | ||
| Q3 24 | $283.5M | $168.7M | ||
| Q2 24 | $391.1M | $147.1M | ||
| Q1 24 | $373.5M | $128.3M |
总债务CLBKRPAY
| Q4 25 | $1.2B | $280.1M | ||
| Q3 25 | $1.3B | $279.5M | ||
| Q2 25 | $1.3B | $279.0M | ||
| Q1 25 | $1.1B | $497.6M | ||
| Q4 24 | $1.1B | $496.8M | ||
| Q3 24 | $1.4B | $496.2M | ||
| Q2 24 | $1.7B | $435.6M | ||
| Q1 24 | $1.5B | $434.9M |
股东权益CLBKRPAY
| Q4 25 | $1.2B | $484.4M | ||
| Q3 25 | $1.1B | $616.9M | ||
| Q2 25 | $1.1B | $633.7M | ||
| Q1 25 | $1.1B | $755.7M | ||
| Q4 24 | $1.1B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.0B | $815.4M | ||
| Q1 24 | $1.0B | $813.8M |
总资产CLBKRPAY
| Q4 25 | $11.0B | $1.2B | ||
| Q3 25 | $10.9B | $1.3B | ||
| Q2 25 | $10.7B | $1.4B | ||
| Q1 25 | $10.6B | $1.5B | ||
| Q4 24 | $10.5B | $1.6B | ||
| Q3 24 | $10.7B | $1.6B | ||
| Q2 24 | $10.8B | $1.5B | ||
| Q1 24 | $10.6B | $1.5B |
负债/权益比CLBKRPAY
| Q4 25 | 1.02× | 0.58× | ||
| Q3 25 | 1.11× | 0.45× | ||
| Q2 25 | 1.14× | 0.44× | ||
| Q1 25 | 1.01× | 0.66× | ||
| Q4 24 | 1.00× | 0.65× | ||
| Q3 24 | 1.32× | 0.66× | ||
| Q2 24 | 1.61× | 0.53× | ||
| Q1 24 | 1.47× | 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 | $68.4M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $58.6M | $23.2M |
| 自由现金流率自由现金流/营收 | 85.1% | 29.6% |
| 资本支出强度资本支出/营收 | 14.3% | 0.1% |
| 现金转化率经营现金流/净利润 | 4.36× | — |
| 过去12个月自由现金流最近4个季度 | $95.1M | $90.7M |
8季度趋势，按日历期对齐
经营现金流CLBKRPAY
| Q4 25 | $68.4M | $23.3M | ||
| Q3 25 | $31.0M | $32.2M | ||
| Q2 25 | $14.6M | $33.1M | ||
| Q1 25 | $-1.6M | $2.5M | ||
| Q4 24 | $33.3M | $34.3M | ||
| Q3 24 | $-28.3M | $60.1M | ||
| Q2 24 | $18.6M | $31.0M | ||
| Q1 24 | $14.1M | $24.8M |
自由现金流CLBKRPAY
| Q4 25 | $58.6M | $23.2M | ||
| Q3 25 | $28.1M | $32.1M | ||
| Q2 25 | $12.9M | $33.0M | ||
| Q1 25 | $-4.5M | $2.4M | ||
| Q4 24 | $25.9M | $34.0M | ||
| Q3 24 | $-31.1M | $59.8M | ||
| Q2 24 | $17.2M | $30.5M | ||
| Q1 24 | $12.5M | $24.7M |
自由现金流率CLBKRPAY
| Q4 25 | 85.1% | 29.6% | ||
| Q3 25 | 41.8% | 41.3% | ||
| Q2 25 | 20.2% | 43.6% | ||
| Q1 25 | -7.6% | 3.0% | ||
| Q4 24 | 55.7% | 43.5% | ||
| Q3 24 | -57.3% | 75.6% | ||
| Q2 24 | 32.3% | 40.7% | ||
| Q1 24 | 25.1% | 30.6% |
资本支出强度CLBKRPAY
| Q4 25 | 14.3% | 0.1% | ||
| Q3 25 | 4.2% | 0.2% | ||
| Q2 25 | 2.7% | 0.1% | ||
| Q1 25 | 4.9% | 0.2% | ||
| Q4 24 | 16.0% | 0.3% | ||
| Q3 24 | 5.1% | 0.3% | ||
| Q2 24 | 2.6% | 0.6% | ||
| Q1 24 | 3.4% | 0.1% |
现金转化率CLBKRPAY
| Q4 25 | 4.36× | — | ||
| Q3 25 | 2.08× | — | ||
| Q2 25 | 1.19× | — | ||
| Q1 25 | -0.18× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -4.57× | 18.52× | ||
| Q2 24 | 4.09× | — | ||
| 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
CLBK
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% |
