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CANTALOUPE, INC.（CTLP）与FIRST MERCHANTS CORP（FRME）财务数据对比。点击上方公司名可切换其他公司
FIRST MERCHANTS CORP的季度营收约是CANTALOUPE, INC.的2.0倍（$157.1M vs $78.7M），FIRST MERCHANTS CORP净利率更高（17.9% vs -0.1%，领先18.0%），过去两年CANTALOUPE, INC.的营收复合增速更高（7.7% vs -0.9%）
坎塔卢波（原美国技术公司）是一家美国科技企业，核心业务为ePort无现金支付受理技术，依托持专利的PCI合规ePort Connect服务开展运营。该服务可通过无线方式为消费者提供信用卡、借记卡以及Apple Pay、Google Pay等NFC钱包支付选项，同时为运营商提供遥测与机器间通信服务，ePort技术主要应用于...
第一商人集团是总部位于美国印第安纳州曼西的金融控股公司，业务覆盖印第安纳州中部地区，旗下拥有第一商人银行、第一商人私人财富顾问两大板块，在纳斯达克上市，股票代码为FRME。截至2023年3月，集团总资产达182亿美元，为客户提供商业银行、个人银行及投资顾问服务。
CTLP vs FRME — 直观对比
营收规模更大
FRME
是对方的2.0倍
$78.7M
净利率更高
FRME
高出18.0%
-0.1%
两年增速更快
CTLP
近两年复合增速
-0.9%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $78.7M | $157.1M |
| 净利润 | $-70.0K | $28.2M |
| 毛利率 | — | — |
| 营业利润率 | 2.0% | — |
| 净利率 | -0.1% | 17.9% |
| 营收同比 | 6.8% | — |
| 净利润同比 | -101.4% | -49.1% |
| 每股收益（稀释后） | $0.00 | $0.45 |
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CTLPFRME
| Q1 26 | — | $157.1M | ||
| Q4 25 | $78.7M | $172.2M | ||
| Q3 25 | $80.9M | $166.1M | ||
| Q2 25 | $82.6M | $164.3M | ||
| Q1 25 | $75.4M | $160.3M | ||
| Q4 24 | $73.7M | $177.1M | ||
| Q3 24 | $70.8M | $156.0M | ||
| Q2 24 | $72.7M | $159.9M |
净利润CTLPFRME
| Q1 26 | — | $28.2M | ||
| Q4 25 | $-70.0K | $57.1M | ||
| Q3 25 | $-919.0K | $56.8M | ||
| Q2 25 | $6.8M | $56.8M | ||
| Q1 25 | $49.2M | $55.3M | ||
| Q4 24 | $5.0M | $64.3M | ||
| Q3 24 | $3.6M | $49.2M | ||
| Q2 24 | $2.2M | $39.9M |
营业利润率CTLPFRME
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 38.0% | ||
| Q3 25 | 2.0% | 39.3% | ||
| Q2 25 | 6.3% | 39.6% | ||
| Q1 25 | 9.1% | 39.4% | ||
| Q4 24 | 8.4% | 43.3% | ||
| Q3 24 | 5.8% | 36.1% | ||
| Q2 24 | 4.9% | 27.5% |
净利率CTLPFRME
| Q1 26 | — | 17.9% | ||
| Q4 25 | -0.1% | 33.1% | ||
| Q3 25 | -1.1% | 34.2% | ||
| Q2 25 | 8.3% | 34.6% | ||
| Q1 25 | 65.2% | 34.5% | ||
| Q4 24 | 6.7% | 36.3% | ||
| Q3 24 | 5.0% | 31.5% | ||
| Q2 24 | 3.0% | 25.0% |
每股收益（稀释后）CTLPFRME
| Q1 26 | — | $0.45 | ||
| Q4 25 | $0.00 | $0.98 | ||
| Q3 25 | $-0.02 | $0.98 | ||
| Q2 25 | $0.10 | $0.98 | ||
| Q1 25 | $0.65 | $0.94 | ||
| Q4 24 | $0.07 | $1.09 | ||
| Q3 24 | $0.04 | $0.84 | ||
| Q2 24 | $0.03 | $0.68 |
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 | $53.0M | — |
| 总债务越低越好 | $37.7M | — |
| 股东权益账面价值 | $252.5M | $2.7B |
| 总资产 | $381.9M | $21.1B |
| 负债/权益比越低杠杆越低 | 0.15× | — |
8季度趋势，按日历期对齐
现金及短期投资CTLPFRME
| Q1 26 | — | — | ||
| Q4 25 | $53.0M | — | ||
| Q3 25 | $55.0M | — | ||
| Q2 25 | $51.1M | — | ||
| Q1 25 | $46.3M | — | ||
| Q4 24 | $27.7M | — | ||
| Q3 24 | $33.1M | — | ||
| Q2 24 | $58.9M | — |
总债务CTLPFRME
| Q1 26 | — | — | ||
| Q4 25 | $37.7M | — | ||
| Q3 25 | $38.3M | — | ||
| Q2 25 | $38.7M | — | ||
| Q1 25 | $39.2M | — | ||
| Q4 24 | $37.0M | — | ||
| Q3 24 | $37.3M | — | ||
| Q2 24 | $37.5M | — |
股东权益CTLPFRME
| Q1 26 | — | $2.7B | ||
| Q4 25 | $252.5M | $2.5B | ||
| Q3 25 | $251.8M | $2.4B | ||
| Q2 25 | $251.0M | $2.3B | ||
| Q1 25 | $240.7M | $2.3B | ||
| Q4 24 | $190.1M | $2.3B | ||
| Q3 24 | $186.2M | $2.3B | ||
| Q2 24 | $181.7M | $2.2B |
总资产CTLPFRME
| Q1 26 | — | $21.1B | ||
| Q4 25 | $381.9M | $19.0B | ||
| Q3 25 | $389.5M | $18.8B | ||
| Q2 25 | $381.9M | $18.6B | ||
| Q1 25 | $370.5M | $18.4B | ||
| Q4 24 | $303.0M | $18.3B | ||
| Q3 24 | $312.1M | $18.3B | ||
| Q2 24 | $335.6M | $18.3B |
负债/权益比CTLPFRME
| Q1 26 | — | — | ||
| Q4 25 | 0.15× | — | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.15× | — | ||
| Q1 25 | 0.16× | — | ||
| Q4 24 | 0.19× | — | ||
| Q3 24 | 0.20× | — | ||
| Q2 24 | 0.21× | — |
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 | $3.1M | — |
| 自由现金流经营现金流 - 资本支出 | $-614.0K | — |
| 自由现金流率自由现金流/营收 | -0.8% | — |
| 资本支出强度资本支出/营收 | 4.8% | — |
| 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 | $25.8M | — |
8季度趋势，按日历期对齐
经营现金流CTLPFRME
| Q1 26 | — | — | ||
| Q4 25 | $3.1M | $283.6M | ||
| Q3 25 | $7.0M | $87.6M | ||
| Q2 25 | $9.4M | $53.7M | ||
| Q1 25 | $22.4M | $61.7M | ||
| Q4 24 | $522.0K | $266.2M | ||
| Q3 24 | $-12.0M | $76.8M | ||
| Q2 24 | $14.3M | $63.0M |
自由现金流CTLPFRME
| Q1 26 | — | — | ||
| Q4 25 | $-614.0K | — | ||
| Q3 25 | $3.5M | — | ||
| Q2 25 | $4.3M | — | ||
| Q1 25 | $18.6M | — | ||
| Q4 24 | $-3.8M | — | ||
| Q3 24 | $-15.8M | — | ||
| Q2 24 | $8.5M | — |
自由现金流率CTLPFRME
| Q1 26 | — | — | ||
| Q4 25 | -0.8% | — | ||
| Q3 25 | 4.4% | — | ||
| Q2 25 | 5.3% | — | ||
| Q1 25 | 24.6% | — | ||
| Q4 24 | -5.1% | — | ||
| Q3 24 | -22.3% | — | ||
| Q2 24 | 11.7% | — |
资本支出强度CTLPFRME
| Q1 26 | — | — | ||
| Q4 25 | 4.8% | — | ||
| Q3 25 | 4.2% | — | ||
| Q2 25 | 6.2% | — | ||
| Q1 25 | 5.1% | — | ||
| Q4 24 | 5.8% | — | ||
| Q3 24 | 5.4% | — | ||
| Q2 24 | 7.9% | — |
现金转化率CTLPFRME
| Q1 26 | — | — | ||
| Q4 25 | — | 4.97× | ||
| Q3 25 | — | 1.54× | ||
| Q2 25 | 1.38× | 0.94× | ||
| Q1 25 | 0.46× | 1.11× | ||
| Q4 24 | 0.10× | 4.14× | ||
| Q3 24 | -3.36× | 1.56× | ||
| Q2 24 | 6.47× | 1.58× |
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
CTLP
| Transaction Processing | $47.9M | 61% |
| Subscription Revenue | $21.8M | 28% |
| Products | $9.0M | 11% |
FRME
| Net Interest Income | $151.3M | 96% |
| Noninterest Income | $5.8M | 4% |
