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Elme Communities（ELME）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Elme Communities的1.3倍（$78.6M vs $62.1M），Repay Holdings Corp净利率更高（-178.3% vs -198.9%，领先20.6%），Elme Communities同比增速更快（1.7% vs 0.4%），Repay Holdings Corp自由现金流更多（$23.2M vs $7.2M），过去两年Elme Communities的营收复合增速更高（2.7% vs -1.3%）
Elme Communities是一家总部位于美国的上市房地产投资信托，主要持有、运营及开发高品质多户住宅项目，业务覆盖美国大西洋中部及东南部核心增长市场，为不同租户群体提供可负担及中档住宅选择。
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。
ELME vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.3倍
$62.1M
营收增速更快
ELME
高出1.3%
0.4%
净利率更高
RPAY
高出20.6%
-198.9%
自由现金流更多
RPAY
多$16.0M
$7.2M
两年增速更快
ELME
近两年复合增速
-1.3%
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $62.1M | $78.6M |
| 净利润 | $-123.5M | $-140.1M |
| 毛利率 | 61.1% | 74.2% |
| 营业利润率 | -183.3% | -182.2% |
| 净利率 | -198.9% | -178.3% |
| 营收同比 | 1.7% | 0.4% |
| 净利润同比 | -4058.7% | -3304.1% |
| 每股收益（稀释后） | $-1.40 | $-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ELMERPAY
| Q4 25 | — | $78.6M | ||
| Q3 25 | $62.1M | $77.7M | ||
| Q2 25 | $62.1M | $75.6M | ||
| Q1 25 | $61.5M | $77.3M | ||
| Q4 24 | $61.3M | $78.3M | ||
| Q3 24 | $61.1M | $79.1M | ||
| Q2 24 | $60.1M | $74.9M | ||
| Q1 24 | $59.5M | $80.7M |
净利润ELMERPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $-123.5M | $-6.4M | ||
| Q2 25 | $-3.6M | $-102.3M | ||
| Q1 25 | $-4.7M | $-7.9M | ||
| Q4 24 | $-3.0M | $-4.1M | ||
| Q3 24 | $-3.0M | $3.2M | ||
| Q2 24 | $-3.5M | $-4.1M | ||
| Q1 24 | $-3.6M | $-5.2M |
毛利率ELMERPAY
| Q4 25 | — | 74.2% | ||
| Q3 25 | 61.1% | 74.4% | ||
| Q2 25 | 63.5% | 75.7% | ||
| Q1 25 | 64.2% | 75.9% | ||
| Q4 24 | 62.9% | 76.3% | ||
| Q3 24 | 63.5% | 77.8% | ||
| Q2 24 | 63.4% | 78.2% | ||
| Q1 24 | 63.5% | 76.2% |
营业利润率ELMERPAY
| Q4 25 | — | -182.2% | ||
| Q3 25 | -183.3% | -3.9% | ||
| Q2 25 | 9.6% | -138.7% | ||
| Q1 25 | 7.8% | -4.7% | ||
| Q4 24 | 10.4% | -1.5% | ||
| Q3 24 | 11.0% | -0.9% | ||
| Q2 24 | 9.8% | -4.6% | ||
| Q1 24 | 7.5% | -3.1% |
净利率ELMERPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | -198.9% | -8.3% | ||
| Q2 25 | -5.7% | -135.2% | ||
| Q1 25 | -7.6% | -10.3% | ||
| Q4 24 | -4.9% | -5.3% | ||
| Q3 24 | -4.9% | 4.1% | ||
| Q2 24 | -5.8% | -5.4% | ||
| Q1 24 | -6.1% | -6.5% |
每股收益（稀释后）ELMERPAY
| Q4 25 | — | $-1.68 | ||
| Q3 25 | $-1.40 | $-0.08 | ||
| Q2 25 | $-0.04 | $-1.15 | ||
| Q1 25 | $-0.05 | $-0.09 | ||
| Q4 24 | $-0.04 | $-0.04 | ||
| Q3 24 | $-0.03 | $0.03 | ||
| Q2 24 | $-0.04 | $-0.04 | ||
| Q1 24 | $-0.04 | $-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 | $7.1M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $908.9M | $484.4M |
| 总资产 | $1.7B | $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ELMERPAY
| Q4 25 | — | $115.7M | ||
| Q3 25 | $7.1M | $95.7M | ||
| Q2 25 | $4.8M | $162.6M | ||
| Q1 25 | $6.4M | $165.5M | ||
| Q4 24 | $6.1M | $189.5M | ||
| Q3 24 | $4.8M | $168.7M | ||
| Q2 24 | $5.6M | $147.1M | ||
| Q1 24 | $4.2M | $128.3M |
总债务ELMERPAY
| 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ELMERPAY
| Q4 25 | — | $484.4M | ||
| Q3 25 | $908.9M | $616.9M | ||
| Q2 25 | $1.0B | $633.7M | ||
| Q1 25 | $1.1B | $755.7M | ||
| Q4 24 | $1.1B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.1B | $815.4M | ||
| Q1 24 | $1.1B | $813.8M |
总资产ELMERPAY
| Q4 25 | — | $1.2B | ||
| Q3 25 | $1.7B | $1.3B | ||
| Q2 25 | $1.8B | $1.4B | ||
| Q1 25 | $1.8B | $1.5B | ||
| Q4 24 | $1.8B | $1.6B | ||
| Q3 24 | $1.9B | $1.6B | ||
| Q2 24 | $1.9B | $1.5B | ||
| Q1 24 | $1.9B | $1.5B |
负债/权益比ELMERPAY
| 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 | $15.9M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $7.2M | $23.2M |
| 自由现金流率自由现金流/营收 | 11.6% | 29.6% |
| 资本支出强度资本支出/营收 | 14.0% | 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 | $86.7M | $90.7M |
8季度趋势，按日历期对齐
经营现金流ELMERPAY
| Q4 25 | — | $23.3M | ||
| Q3 25 | $15.9M | $32.2M | ||
| Q2 25 | $29.8M | $33.1M | ||
| Q1 25 | $16.2M | $2.5M | ||
| Q4 24 | $95.2M | $34.3M | ||
| Q3 24 | $20.7M | $60.1M | ||
| Q2 24 | $28.9M | $31.0M | ||
| Q1 24 | $21.2M | $24.8M |
自由现金流ELMERPAY
| Q4 25 | — | $23.2M | ||
| Q3 25 | $7.2M | $32.1M | ||
| Q2 25 | $21.1M | $33.0M | ||
| Q1 25 | $10.5M | $2.4M | ||
| Q4 24 | $47.9M | $34.0M | ||
| Q3 24 | $8.8M | $59.8M | ||
| Q2 24 | $21.0M | $30.5M | ||
| Q1 24 | $7.6M | $24.7M |
自由现金流率ELMERPAY
| Q4 25 | — | 29.6% | ||
| Q3 25 | 11.6% | 41.3% | ||
| Q2 25 | 34.1% | 43.6% | ||
| Q1 25 | 17.1% | 3.0% | ||
| Q4 24 | 78.1% | 43.5% | ||
| Q3 24 | 14.4% | 75.6% | ||
| Q2 24 | 34.9% | 40.7% | ||
| Q1 24 | 12.8% | 30.6% |
资本支出强度ELMERPAY
| Q4 25 | — | 0.1% | ||
| Q3 25 | 14.0% | 0.2% | ||
| Q2 25 | 14.0% | 0.1% | ||
| Q1 25 | 9.2% | 0.2% | ||
| Q4 24 | 77.4% | 0.3% | ||
| Q3 24 | 19.4% | 0.3% | ||
| Q2 24 | 13.1% | 0.6% | ||
| Q1 24 | 22.9% | 0.1% |
现金转化率ELMERPAY
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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
ELME
| Residential Segment | $57.7M | 93% |
| Other | $4.4M | 7% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
