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CVB FINANCIAL CORP（CVBF）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
CVB FINANCIAL CORP的季度营收约是Repay Holdings Corp的1.7倍（$133.8M vs $78.6M），CVB FINANCIAL CORP同比增速更快（8.4% vs 0.4%），CVB FINANCIAL CORP自由现金流更多（$217.3M vs $23.2M），过去两年CVB FINANCIAL CORP的营收复合增速更高（2.8% vs -1.3%）
CVB金融集团是一家美国银行控股公司，运营公民商业银行，主要服务加利福尼亚州市场，面向中小企业、专业机构及个人客户提供商业银行、个人银行、财富管理等多元金融服务，核心业务包含商业贷款、存款账户、资产管理等。
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。
CVBF vs RPAY — 直观对比
营收规模更大
CVBF
是对方的1.7倍
$78.6M
营收增速更快
CVBF
高出8.0%
0.4%
自由现金流更多
CVBF
多$194.1M
$23.2M
两年增速更快
CVBF
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $133.8M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 55.6% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | 8.4% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $0.41 | $-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CVBFRPAY
| Q4 25 | $133.8M | $78.6M | ||
| Q3 25 | $128.6M | $77.7M | ||
| Q2 25 | $126.4M | $75.6M | ||
| Q1 25 | $126.7M | $77.3M | ||
| Q4 24 | $123.5M | $78.3M | ||
| Q3 24 | $126.5M | $79.1M | ||
| Q2 24 | $125.3M | $74.9M | ||
| Q1 24 | $126.6M | $80.7M |
净利润CVBFRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $52.6M | $-6.4M | ||
| Q2 25 | $50.6M | $-102.3M | ||
| Q1 25 | $51.1M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $51.2M | $3.2M | ||
| Q2 24 | $50.0M | $-4.1M | ||
| Q1 24 | $48.6M | $-5.2M |
毛利率CVBFRPAY
| 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CVBFRPAY
| Q4 25 | 55.6% | -182.2% | ||
| Q3 25 | 53.7% | -3.9% | ||
| Q2 25 | 54.4% | -138.7% | ||
| Q1 25 | 54.9% | -4.7% | ||
| Q4 24 | 55.1% | -1.5% | ||
| Q3 24 | 53.5% | -0.9% | ||
| Q2 24 | 54.9% | -4.6% | ||
| Q1 24 | 52.8% | -3.1% |
净利率CVBFRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 40.9% | -8.3% | ||
| Q2 25 | 40.0% | -135.2% | ||
| Q1 25 | 40.3% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 40.5% | 4.1% | ||
| Q2 24 | 39.9% | -5.4% | ||
| Q1 24 | 38.4% | -6.5% |
每股收益（稀释后）CVBFRPAY
| Q4 25 | $0.41 | $-1.68 | ||
| Q3 25 | $0.38 | $-0.08 | ||
| Q2 25 | $0.37 | $-1.15 | ||
| Q1 25 | $0.36 | $-0.09 | ||
| Q4 24 | $0.36 | $-0.04 | ||
| Q3 24 | $0.37 | $0.03 | ||
| Q2 24 | $0.36 | $-0.04 | ||
| Q1 24 | $0.35 | $-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 | $376.4M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $2.3B | $484.4M |
| 总资产 | $15.6B | $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CVBFRPAY
| Q4 25 | $376.4M | $115.7M | ||
| Q3 25 | $783.9M | $95.7M | ||
| Q2 25 | $738.6M | $162.6M | ||
| Q1 25 | $529.1M | $165.5M | ||
| Q4 24 | $204.7M | $189.5M | ||
| Q3 24 | $453.5M | $168.7M | ||
| Q2 24 | $844.2M | $147.1M | ||
| Q1 24 | $949.6M | $128.3M |
总债务CVBFRPAY
| 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CVBFRPAY
| Q4 25 | $2.3B | $484.4M | ||
| Q3 25 | $2.3B | $616.9M | ||
| Q2 25 | $2.2B | $633.7M | ||
| Q1 25 | $2.2B | $755.7M | ||
| Q4 24 | $2.2B | $761.3M | ||
| Q3 24 | $2.2B | $754.7M | ||
| Q2 24 | $2.1B | $815.4M | ||
| Q1 24 | $2.1B | $813.8M |
总资产CVBFRPAY
| Q4 25 | $15.6B | $1.2B | ||
| Q3 25 | $15.7B | $1.3B | ||
| Q2 25 | $15.4B | $1.4B | ||
| Q1 25 | $15.3B | $1.5B | ||
| Q4 24 | $15.2B | $1.6B | ||
| Q3 24 | $15.4B | $1.6B | ||
| Q2 24 | $16.2B | $1.5B | ||
| Q1 24 | $16.5B | $1.5B |
负债/权益比CVBFRPAY
| 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 | $221.4M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $217.3M | $23.2M |
| 自由现金流率自由现金流/营收 | 162.4% | 29.6% |
| 资本支出强度资本支出/营收 | 3.0% | 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 | $391.5M | $90.7M |
8季度趋势，按日历期对齐
经营现金流CVBFRPAY
| Q4 25 | $221.4M | $23.3M | ||
| Q3 25 | $81.5M | $32.2M | ||
| Q2 25 | $53.1M | $33.1M | ||
| Q1 25 | $41.9M | $2.5M | ||
| Q4 24 | $249.8M | $34.3M | ||
| Q3 24 | $71.4M | $60.1M | ||
| Q2 24 | $26.1M | $31.0M | ||
| Q1 24 | $77.5M | $24.8M |
自由现金流CVBFRPAY
| Q4 25 | $217.3M | $23.2M | ||
| Q3 25 | $80.7M | $32.1M | ||
| Q2 25 | $52.3M | $33.0M | ||
| Q1 25 | $41.2M | $2.4M | ||
| Q4 24 | $244.6M | $34.0M | ||
| Q3 24 | $70.2M | $59.8M | ||
| Q2 24 | $24.4M | $30.5M | ||
| Q1 24 | $77.3M | $24.7M |
自由现金流率CVBFRPAY
| Q4 25 | 162.4% | 29.6% | ||
| Q3 25 | 62.8% | 41.3% | ||
| Q2 25 | 41.4% | 43.6% | ||
| Q1 25 | 32.5% | 3.0% | ||
| Q4 24 | 198.0% | 43.5% | ||
| Q3 24 | 55.5% | 75.6% | ||
| Q2 24 | 19.5% | 40.7% | ||
| Q1 24 | 61.1% | 30.6% |
资本支出强度CVBFRPAY
| Q4 25 | 3.0% | 0.1% | ||
| Q3 25 | 0.7% | 0.2% | ||
| Q2 25 | 0.7% | 0.1% | ||
| Q1 25 | 0.5% | 0.2% | ||
| Q4 24 | 4.2% | 0.3% | ||
| Q3 24 | 1.0% | 0.3% | ||
| Q2 24 | 1.4% | 0.6% | ||
| Q1 24 | 0.1% | 0.1% |
现金转化率CVBFRPAY
| Q4 25 | — | — | ||
| Q3 25 | 1.55× | — | ||
| Q2 25 | 1.05× | — | ||
| Q1 25 | 0.82× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.39× | 18.52× | ||
| Q2 24 | 0.52× | — | ||
| Q1 24 | 1.59× | — |
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
CVBF
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% |
