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CANTALOUPE, INC.（CTLP）与合众银行（STBA）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是CANTALOUPE, INC.的1.3倍（$102.1M vs $78.7M），合众银行净利率更高（34.4% vs -0.1%，领先34.4%），过去两年CANTALOUPE, INC.的营收复合增速更高（7.7% vs 2.6%）
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...
合众银行是总部位于美国明尼苏达州明尼阿波利斯、注册地为特拉华州的跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构。旗下核心运营主体为美国合众银行全国协会，以“U.S. Bank”品牌开展业务，提供银行、投资、抵押贷款等多元金融服务。
CTLP vs STBA — 直观对比
营收规模更大
STBA
是对方的1.3倍
$78.7M
净利率更高
STBA
高出34.4%
-0.1%
两年增速更快
CTLP
近两年复合增速
2.6%
损益表 — Q2 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $78.7M | $102.1M |
| 净利润 | $-70.0K | $35.1M |
| 毛利率 | — | — |
| 营业利润率 | 2.0% | — |
| 净利率 | -0.1% | 34.4% |
| 营收同比 | 6.8% | — |
| 净利润同比 | -101.4% | 5.0% |
| 每股收益（稀释后） | $0.00 | $0.94 |
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CTLPSTBA
| Q1 26 | — | $102.1M | ||
| Q4 25 | $78.7M | $105.3M | ||
| Q3 25 | $80.9M | $103.0M | ||
| Q2 25 | $82.6M | $100.1M | ||
| Q1 25 | $75.4M | $93.8M | ||
| Q4 24 | $73.7M | $94.3M | ||
| Q3 24 | $70.8M | $96.4M | ||
| Q2 24 | $72.7M | $96.9M |
净利润CTLPSTBA
| Q1 26 | — | $35.1M | ||
| Q4 25 | $-70.0K | $34.0M | ||
| Q3 25 | $-919.0K | $35.0M | ||
| Q2 25 | $6.8M | $31.9M | ||
| Q1 25 | $49.2M | $33.4M | ||
| Q4 24 | $5.0M | $33.1M | ||
| Q3 24 | $3.6M | $32.6M | ||
| Q2 24 | $2.2M | $34.4M |
营业利润率CTLPSTBA
| Q1 26 | — | — | ||
| Q4 25 | 2.0% | 40.3% | ||
| Q3 25 | 2.0% | 42.6% | ||
| Q2 25 | 6.3% | 40.0% | ||
| Q1 25 | 9.1% | 44.5% | ||
| Q4 24 | 8.4% | 43.8% | ||
| Q3 24 | 5.8% | 43.0% | ||
| Q2 24 | 4.9% | 44.2% |
净利率CTLPSTBA
| Q1 26 | — | 34.4% | ||
| Q4 25 | -0.1% | 32.3% | ||
| Q3 25 | -1.1% | 33.9% | ||
| Q2 25 | 8.3% | 31.9% | ||
| Q1 25 | 65.2% | 35.6% | ||
| Q4 24 | 6.7% | 35.1% | ||
| Q3 24 | 5.0% | 33.8% | ||
| Q2 24 | 3.0% | 35.5% |
每股收益（稀释后）CTLPSTBA
| Q1 26 | — | $0.94 | ||
| Q4 25 | $0.00 | $0.88 | ||
| Q3 25 | $-0.02 | $0.91 | ||
| Q2 25 | $0.10 | $0.83 | ||
| Q1 25 | $0.65 | $0.87 | ||
| Q4 24 | $0.07 | $0.86 | ||
| Q3 24 | $0.04 | $0.85 | ||
| Q2 24 | $0.03 | $0.89 |
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 | $100.8M |
| 股东权益账面价值 | $252.5M | $1.4B |
| 总资产 | $381.9M | $9.9B |
| 负债/权益比越低杠杆越低 | 0.15× | 0.07× |
8季度趋势，按日历期对齐
现金及短期投资CTLPSTBA
| Q1 26 | — | — | ||
| Q4 25 | $53.0M | $163.4M | ||
| Q3 25 | $55.0M | $196.2M | ||
| Q2 25 | $51.1M | $203.1M | ||
| Q1 25 | $46.3M | $211.8M | ||
| Q4 24 | $27.7M | $244.8M | ||
| Q3 24 | $33.1M | $228.1M | ||
| Q2 24 | $58.9M | $246.3M |
总债务CTLPSTBA
| Q1 26 | — | $100.8M | ||
| 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CTLPSTBA
| Q1 26 | — | $1.4B | ||
| Q4 25 | $252.5M | $1.5B | ||
| Q3 25 | $251.8M | $1.5B | ||
| Q2 25 | $251.0M | $1.4B | ||
| Q1 25 | $240.7M | $1.4B | ||
| Q4 24 | $190.1M | $1.4B | ||
| Q3 24 | $186.2M | $1.4B | ||
| Q2 24 | $181.7M | $1.3B |
总资产CTLPSTBA
| Q1 26 | — | $9.9B | ||
| Q4 25 | $381.9M | $9.9B | ||
| Q3 25 | $389.5M | $9.8B | ||
| Q2 25 | $381.9M | $9.8B | ||
| Q1 25 | $370.5M | $9.7B | ||
| Q4 24 | $303.0M | $9.7B | ||
| Q3 24 | $312.1M | $9.6B | ||
| Q2 24 | $335.6M | $9.6B |
负债/权益比CTLPSTBA
| Q1 26 | — | 0.07× | ||
| 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CTLPSTBA
| Q1 26 | — | — | ||
| Q4 25 | $3.1M | $133.6M | ||
| Q3 25 | $7.0M | $40.5M | ||
| Q2 25 | $9.4M | $28.3M | ||
| Q1 25 | $22.4M | $28.7M | ||
| Q4 24 | $522.0K | $173.4M | ||
| Q3 24 | $-12.0M | $27.6M | ||
| Q2 24 | $14.3M | $44.7M |
自由现金流CTLPSTBA
| Q1 26 | — | — | ||
| Q4 25 | $-614.0K | $128.8M | ||
| Q3 25 | $3.5M | $39.9M | ||
| Q2 25 | $4.3M | $27.1M | ||
| Q1 25 | $18.6M | $27.0M | ||
| Q4 24 | $-3.8M | $170.4M | ||
| Q3 24 | $-15.8M | $26.9M | ||
| Q2 24 | $8.5M | $43.9M |
自由现金流率CTLPSTBA
| Q1 26 | — | — | ||
| Q4 25 | -0.8% | 122.4% | ||
| Q3 25 | 4.4% | 38.7% | ||
| Q2 25 | 5.3% | 27.1% | ||
| Q1 25 | 24.6% | 28.8% | ||
| Q4 24 | -5.1% | 180.7% | ||
| Q3 24 | -22.3% | 28.0% | ||
| Q2 24 | 11.7% | 45.3% |
资本支出强度CTLPSTBA
| Q1 26 | — | — | ||
| Q4 25 | 4.8% | 4.5% | ||
| Q3 25 | 4.2% | 0.6% | ||
| Q2 25 | 6.2% | 1.2% | ||
| Q1 25 | 5.1% | 1.8% | ||
| Q4 24 | 5.8% | 3.1% | ||
| Q3 24 | 5.4% | 0.7% | ||
| Q2 24 | 7.9% | 0.9% |
现金转化率CTLPSTBA
| Q1 26 | — | — | ||
| Q4 25 | — | 3.93× | ||
| Q3 25 | — | 1.16× | ||
| Q2 25 | 1.38× | 0.89× | ||
| Q1 25 | 0.46× | 0.86× | ||
| Q4 24 | 0.10× | 5.24× | ||
| Q3 24 | -3.36× | 0.85× | ||
| Q2 24 | 6.47× | 1.30× |
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% |
STBA
| Net Interest Income | $88.4M | 87% |
| Noninterest Income | $13.6M | 13% |
