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CHOICEONE FINANCIAL SERVICES INC（COFS）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CHOICEONE FINANCIAL SERVICES INC的1.8倍（$78.6M vs $42.9M），CHOICEONE FINANCIAL SERVICES INC同比增速更快（76.4% vs 0.4%），CHOICEONE FINANCIAL SERVICES INC自由现金流更多（$25.2M vs $23.2M），过去两年CHOICEONE FINANCIAL SERVICES INC的营收复合增速更高（15.0% vs -1.3%）
ChoiceOne Financial Services Inc是一家美国区域金融控股公司，通过旗下银行子公司开展业务，主要为密歇根州的个人消费者、小微企业及企业客户提供储蓄账户、贷款、财富管理、保险等多元化个人及商业银行服务。
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。
COFS vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.8倍
$42.9M
营收增速更快
COFS
高出76.0%
0.4%
自由现金流更多
COFS
多$2.0M
$23.2M
两年增速更快
COFS
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 39.1% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | 76.4% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $1.43 | $-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COFSRPAY
| Q4 25 | $42.9M | $78.6M | ||
| Q3 25 | $61.8M | $77.7M | ||
| Q2 25 | $60.4M | $75.6M | ||
| Q1 25 | $44.9M | $77.3M | ||
| Q4 24 | $24.3M | $78.3M | ||
| Q3 24 | $36.6M | $79.1M | ||
| Q2 24 | $34.0M | $74.9M | ||
| Q1 24 | $32.5M | $80.7M |
净利润COFSRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $14.7M | $-6.4M | ||
| Q2 25 | $13.5M | $-102.3M | ||
| Q1 25 | $-13.9M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $7.3M | $3.2M | ||
| Q2 24 | $6.6M | $-4.1M | ||
| Q1 24 | $5.6M | $-5.2M |
毛利率COFSRPAY
| 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COFSRPAY
| Q4 25 | 39.1% | -182.2% | ||
| Q3 25 | 29.6% | -3.9% | ||
| Q2 25 | 27.6% | -138.7% | ||
| Q1 25 | -39.2% | -4.7% | ||
| Q4 24 | 36.1% | -1.5% | ||
| Q3 24 | 25.4% | -0.9% | ||
| Q2 24 | 24.0% | -4.6% | ||
| Q1 24 | 21.1% | -3.1% |
净利率COFSRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 23.7% | -8.3% | ||
| Q2 25 | 22.4% | -135.2% | ||
| Q1 25 | -31.0% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 20.1% | 4.1% | ||
| Q2 24 | 19.4% | -5.4% | ||
| Q1 24 | 17.3% | -6.5% |
每股收益（稀释后）COFSRPAY
| Q4 25 | $1.43 | $-1.68 | ||
| Q3 25 | $0.97 | $-0.08 | ||
| Q2 25 | $0.90 | $-1.15 | ||
| Q1 25 | $-1.29 | $-0.09 | ||
| Q4 24 | $0.79 | $-0.04 | ||
| Q3 24 | $0.85 | $0.03 | ||
| Q2 24 | $0.87 | $-0.04 | ||
| Q1 24 | $0.74 | $-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 | $88.0M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $465.4M | $484.4M |
| 总资产 | $4.4B | $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COFSRPAY
| Q4 25 | $88.0M | $115.7M | ||
| Q3 25 | $99.0M | $95.7M | ||
| Q2 25 | $156.3M | $162.6M | ||
| Q1 25 | $139.4M | $165.5M | ||
| Q4 24 | $96.8M | $189.5M | ||
| Q3 24 | $145.9M | $168.7M | ||
| Q2 24 | $101.0M | $147.1M | ||
| Q1 24 | $150.1M | $128.3M |
总债务COFSRPAY
| 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COFSRPAY
| Q4 25 | $465.4M | $484.4M | ||
| Q3 25 | $449.6M | $616.9M | ||
| Q2 25 | $431.8M | $633.7M | ||
| Q1 25 | $427.1M | $755.7M | ||
| Q4 24 | $260.4M | $761.3M | ||
| Q3 24 | $247.7M | $754.7M | ||
| Q2 24 | $214.5M | $815.4M | ||
| Q1 24 | $206.8M | $813.8M |
总资产COFSRPAY
| Q4 25 | $4.4B | $1.2B | ||
| Q3 25 | $4.3B | $1.3B | ||
| Q2 25 | $4.3B | $1.4B | ||
| Q1 25 | $4.3B | $1.5B | ||
| Q4 24 | $2.7B | $1.6B | ||
| Q3 24 | $2.7B | $1.6B | ||
| Q2 24 | $2.7B | $1.5B | ||
| Q1 24 | $2.7B | $1.5B |
负债/权益比COFSRPAY
| 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 | $31.8M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $25.2M | $23.2M |
| 自由现金流率自由现金流/营收 | 58.7% | 29.6% |
| 资本支出强度资本支出/营收 | 15.4% | 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 | $38.5M | $90.7M |
8季度趋势，按日历期对齐
经营现金流COFSRPAY
| Q4 25 | $31.8M | $23.3M | ||
| Q3 25 | $15.3M | $32.2M | ||
| Q2 25 | $9.0M | $33.1M | ||
| Q1 25 | $-6.5M | $2.5M | ||
| Q4 24 | $47.1M | $34.3M | ||
| Q3 24 | $-7.4M | $60.1M | ||
| Q2 24 | $15.7M | $31.0M | ||
| Q1 24 | $15.3M | $24.8M |
自由现金流COFSRPAY
| Q4 25 | $25.2M | $23.2M | ||
| Q3 25 | $13.7M | $32.1M | ||
| Q2 25 | $6.9M | $33.0M | ||
| Q1 25 | $-7.3M | $2.4M | ||
| Q4 24 | $45.4M | $34.0M | ||
| Q3 24 | $-7.6M | $59.8M | ||
| Q2 24 | $15.3M | $30.5M | ||
| Q1 24 | $15.0M | $24.7M |
自由现金流率COFSRPAY
| Q4 25 | 58.7% | 29.6% | ||
| Q3 25 | 22.1% | 41.3% | ||
| Q2 25 | 11.4% | 43.6% | ||
| Q1 25 | -16.3% | 3.0% | ||
| Q4 24 | 186.4% | 43.5% | ||
| Q3 24 | -20.8% | 75.6% | ||
| Q2 24 | 44.8% | 40.7% | ||
| Q1 24 | 46.2% | 30.6% |
资本支出强度COFSRPAY
| Q4 25 | 15.4% | 0.1% | ||
| Q3 25 | 2.6% | 0.2% | ||
| Q2 25 | 3.4% | 0.1% | ||
| Q1 25 | 1.9% | 0.2% | ||
| Q4 24 | 7.0% | 0.3% | ||
| Q3 24 | 0.7% | 0.3% | ||
| Q2 24 | 1.4% | 0.6% | ||
| Q1 24 | 1.0% | 0.1% |
现金转化率COFSRPAY
| Q4 25 | — | — | ||
| Q3 25 | 1.04× | — | ||
| Q2 25 | 0.66× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -1.00× | 18.52× | ||
| Q2 24 | 2.39× | — | ||
| Q1 24 | 2.72× | — |
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
COFS
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% |
