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CANTALOUPE, INC.（CTLP）与National Bank Holdings Corp（NBHC）财务数据对比。点击上方公司名可切换其他公司
National Bank Holdings Corp的季度营收约是CANTALOUPE, INC.的1.6倍（$126.8M vs $78.7M），National Bank Holdings Corp净利率更高（16.4% vs -0.1%，领先16.5%），过去两年National Bank Holdings Corp的营收复合增速更高（14.0% vs 7.7%）
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...
这是一家美国区域性银行控股集团，目前在伊利诺伊、印第安纳等八个美国州布局营业网点，拥有近250个金融服务中心与约200家零售分行，总资产达485亿美元。它是总部位于印第安纳州的最大银行控股公司，也跻身美国银行业三十强之列。
CTLP vs NBHC — 直观对比
营收规模更大
NBHC
是对方的1.6倍
$78.7M
净利率更高
NBHC
高出16.5%
-0.1%
两年增速更快
NBHC
近两年复合增速
7.7%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $78.7M | $126.8M |
| 净利润 | $-70.0K | $20.8M |
| 毛利率 | — | — |
| 营业利润率 | 2.0% | — |
| 净利率 | -0.1% | 16.4% |
| 营收同比 | 6.8% | — |
| 净利润同比 | -101.4% | -14.2% |
| 每股收益（稀释后） | $0.00 | $0.46 |
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CTLPNBHC
| Q1 26 | — | $126.8M | ||
| Q4 25 | $78.7M | $100.6M | ||
| Q3 25 | $80.9M | $108.9M | ||
| Q2 25 | $82.6M | $104.5M | ||
| Q1 25 | $75.4M | $102.1M | ||
| Q4 24 | $73.7M | $101.3M | ||
| Q3 24 | $70.8M | $106.0M | ||
| Q2 24 | $72.7M | $97.6M |
净利润CTLPNBHC
| Q1 26 | — | $20.8M | ||
| Q4 25 | $-70.0K | $16.0M | ||
| Q3 25 | $-919.0K | $35.3M | ||
| Q2 25 | $6.8M | $34.0M | ||
| Q1 25 | $49.2M | $24.2M | ||
| Q4 24 | $5.0M | $28.2M | ||
| Q3 24 | $3.6M | $33.1M | ||
| Q2 24 | $2.2M | $26.1M |
营业利润率CTLPNBHC
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 19.0% | ||
| Q3 25 | 2.0% | 39.6% | ||
| Q2 25 | 6.3% | 39.8% | ||
| Q1 25 | 9.1% | 29.2% | ||
| Q4 24 | 8.4% | 34.3% | ||
| Q3 24 | 5.8% | 37.6% | ||
| Q2 24 | 4.9% | 32.5% |
净利率CTLPNBHC
| Q1 26 | — | 16.4% | ||
| Q4 25 | -0.1% | 15.9% | ||
| Q3 25 | -1.1% | 32.4% | ||
| Q2 25 | 8.3% | 32.6% | ||
| Q1 25 | 65.2% | 23.7% | ||
| Q4 24 | 6.7% | 27.8% | ||
| Q3 24 | 5.0% | 31.2% | ||
| Q2 24 | 3.0% | 26.8% |
每股收益（稀释后）CTLPNBHC
| Q1 26 | — | $0.46 | ||
| Q4 25 | $0.00 | $0.42 | ||
| Q3 25 | $-0.02 | $0.92 | ||
| Q2 25 | $0.10 | $0.88 | ||
| Q1 25 | $0.65 | $0.63 | ||
| Q4 24 | $0.07 | $0.72 | ||
| Q3 24 | $0.04 | $0.86 | ||
| 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 | $472.8M |
| 总债务越低越好 | $37.7M | $202.1M |
| 股东权益账面价值 | $252.5M | $1.7B |
| 总资产 | $381.9M | $12.6B |
| 负债/权益比越低杠杆越低 | 0.15× | 0.12× |
8季度趋势，按日历期对齐
现金及短期投资CTLPNBHC
| Q1 26 | — | $472.8M | ||
| Q4 25 | $53.0M | $417.1M | ||
| Q3 25 | $55.0M | $555.6M | ||
| Q2 25 | $51.1M | $296.5M | ||
| Q1 25 | $46.3M | $246.3M | ||
| Q4 24 | $27.7M | $127.8M | ||
| Q3 24 | $33.1M | $180.8M | ||
| Q2 24 | $58.9M | $145.0M |
总债务CTLPNBHC
| Q1 26 | — | $202.1M | ||
| Q4 25 | $37.7M | $54.5M | ||
| Q3 25 | $38.3M | $54.7M | ||
| Q2 25 | $38.7M | $54.4M | ||
| Q1 25 | $39.2M | $54.6M | ||
| Q4 24 | $37.0M | $54.5M | ||
| Q3 24 | $37.3M | $54.4M | ||
| Q2 24 | $37.5M | $54.4M |
股东权益CTLPNBHC
| Q1 26 | — | $1.7B | ||
| Q4 25 | $252.5M | $1.4B | ||
| Q3 25 | $251.8M | $1.4B | ||
| Q2 25 | $251.0M | $1.4B | ||
| Q1 25 | $240.7M | $1.3B | ||
| Q4 24 | $190.1M | $1.3B | ||
| Q3 24 | $186.2M | $1.3B | ||
| Q2 24 | $181.7M | $1.2B |
总资产CTLPNBHC
| Q1 26 | — | $12.6B | ||
| Q4 25 | $381.9M | $9.9B | ||
| Q3 25 | $389.5M | $10.2B | ||
| Q2 25 | $381.9M | $10.0B | ||
| Q1 25 | $370.5M | $10.1B | ||
| Q4 24 | $303.0M | $9.8B | ||
| Q3 24 | $312.1M | $10.0B | ||
| Q2 24 | $335.6M | $10.0B |
负债/权益比CTLPNBHC
| Q1 26 | — | 0.12× | ||
| Q4 25 | 0.15× | 0.04× | ||
| Q3 25 | 0.15× | 0.04× | ||
| Q2 25 | 0.15× | 0.04× | ||
| Q1 25 | 0.16× | 0.04× | ||
| Q4 24 | 0.19× | 0.04× | ||
| Q3 24 | 0.20× | 0.04× | ||
| Q2 24 | 0.21× | 0.04× |
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CTLPNBHC
| Q1 26 | — | — | ||
| Q4 25 | $3.1M | $162.4M | ||
| Q3 25 | $7.0M | $52.4M | ||
| Q2 25 | $9.4M | $32.3M | ||
| Q1 25 | $22.4M | $39.6M | ||
| Q4 24 | $522.0K | $155.3M | ||
| Q3 24 | $-12.0M | $47.0M | ||
| Q2 24 | $14.3M | $31.9M |
自由现金流CTLPNBHC
| 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CTLPNBHC
| 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CTLPNBHC
| 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CTLPNBHC
| Q1 26 | — | — | ||
| Q4 25 | — | 10.13× | ||
| Q3 25 | — | 1.48× | ||
| Q2 25 | 1.38× | 0.95× | ||
| Q1 25 | 0.46× | 1.64× | ||
| Q4 24 | 0.10× | 5.51× | ||
| Q3 24 | -3.36× | 1.42× | ||
| Q2 24 | 6.47× | 1.22× |
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% |
NBHC
| Net Interest Income | $108.8M | 86% |
| Noninterest Income | $18.0M | 14% |
