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Esquire Financial Holdings, Inc.（ESQ）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Esquire Financial Holdings, Inc.的1.9倍（$78.6M vs $40.5M），Esquire Financial Holdings, Inc.净利率更高（30.2% vs -178.3%，领先208.5%），过去两年Esquire Financial Holdings, Inc.的营收复合增速更高（15.0% vs -1.3%）
Esquire Financial Holdings是一家总部位于美国的银行控股公司，提供全面的商业及零售银行服务，核心业务包含存款账户、企业贷款、按揭服务及财富管理解决方案，主要服务中小型企业、法律行业从业者及当地零售客户。
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。
ESQ vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.9倍
$40.5M
净利率更高
ESQ
高出208.5%
-178.3%
两年增速更快
ESQ
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $40.5M | $78.6M |
| 净利润 | $12.2M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 30.2% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | 7.0% | -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ESQRPAY
| Q1 26 | $40.5M | — | ||
| Q4 25 | $39.4M | $78.6M | ||
| Q3 25 | $37.6M | $77.7M | ||
| Q2 25 | $35.8M | $75.6M | ||
| Q1 25 | $33.8M | $77.3M | ||
| Q4 24 | $33.1M | $78.3M | ||
| Q3 24 | $31.9M | $79.1M | ||
| Q2 24 | $30.6M | $74.9M |
净利润ESQRPAY
| Q1 26 | $12.2M | — | ||
| Q4 25 | $13.5M | $-140.1M | ||
| Q3 25 | $14.1M | $-6.4M | ||
| Q2 25 | $11.9M | $-102.3M | ||
| Q1 25 | $11.4M | $-7.9M | ||
| Q4 24 | $11.8M | $-4.1M | ||
| Q3 24 | $11.4M | $3.2M | ||
| Q2 24 | $10.5M | $-4.1M |
毛利率ESQRPAY
| Q1 26 | — | — | ||
| 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% |
营业利润率ESQRPAY
| Q1 26 | — | — | ||
| Q4 25 | 44.3% | -182.2% | ||
| Q3 25 | 46.5% | -3.9% | ||
| Q2 25 | 42.5% | -138.7% | ||
| Q1 25 | 45.9% | -4.7% | ||
| Q4 24 | 47.4% | -1.5% | ||
| Q3 24 | 48.8% | -0.9% | ||
| Q2 24 | 46.9% | -4.6% |
净利率ESQRPAY
| Q1 26 | 30.2% | — | ||
| Q4 25 | 34.2% | -178.3% | ||
| Q3 25 | 37.4% | -8.3% | ||
| Q2 25 | 33.2% | -135.2% | ||
| Q1 25 | 33.8% | -10.3% | ||
| Q4 24 | 35.6% | -5.3% | ||
| Q3 24 | 35.6% | 4.1% | ||
| Q2 24 | 34.3% | -5.4% |
每股收益（稀释后）ESQRPAY
| Q1 26 | $1.40 | — | ||
| Q4 25 | $1.54 | $-1.68 | ||
| Q3 25 | $1.62 | $-0.08 | ||
| Q2 25 | $1.38 | $-1.15 | ||
| Q1 25 | $1.33 | $-0.09 | ||
| Q4 24 | $1.35 | $-0.04 | ||
| Q3 24 | $1.34 | $0.03 | ||
| Q2 24 | $1.25 | $-0.04 |
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 | $222.2M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $301.3M | $484.4M |
| 总资产 | $2.4B | $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ESQRPAY
| Q1 26 | $222.2M | — | ||
| Q4 25 | $235.9M | $115.7M | ||
| Q3 25 | $240.8M | $95.7M | ||
| Q2 25 | $163.0M | $162.6M | ||
| Q1 25 | $173.0M | $165.5M | ||
| Q4 24 | $126.3M | $189.5M | ||
| Q3 24 | $147.7M | $168.7M | ||
| Q2 24 | $152.7M | $147.1M |
总债务ESQRPAY
| Q1 26 | — | — | ||
| 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 |
股东权益ESQRPAY
| Q1 26 | $301.3M | — | ||
| Q4 25 | $289.6M | $484.4M | ||
| Q3 25 | $279.2M | $616.9M | ||
| Q2 25 | $263.6M | $633.7M | ||
| Q1 25 | $250.7M | $755.7M | ||
| Q4 24 | $237.1M | $761.3M | ||
| Q3 24 | $232.6M | $754.7M | ||
| Q2 24 | $217.4M | $815.4M |
总资产ESQRPAY
| Q1 26 | $2.4B | — | ||
| Q4 25 | $2.4B | $1.2B | ||
| Q3 25 | $2.2B | $1.3B | ||
| Q2 25 | $2.1B | $1.4B | ||
| Q1 25 | $2.0B | $1.5B | ||
| Q4 24 | $1.9B | $1.6B | ||
| Q3 24 | $1.8B | $1.6B | ||
| Q2 24 | $1.7B | $1.5B |
负债/权益比ESQRPAY
| Q1 26 | — | — | ||
| 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× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $23.2M |
| 自由现金流率自由现金流/营收 | — | 29.6% |
| 资本支出强度资本支出/营收 | — | 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 | — | $90.7M |
8季度趋势，按日历期对齐
经营现金流ESQRPAY
| Q1 26 | — | — | ||
| Q4 25 | $59.8M | $23.3M | ||
| Q3 25 | $16.8M | $32.2M | ||
| Q2 25 | $10.5M | $33.1M | ||
| Q1 25 | $15.8M | $2.5M | ||
| Q4 24 | $42.2M | $34.3M | ||
| Q3 24 | $10.5M | $60.1M | ||
| Q2 24 | $7.2M | $31.0M |
自由现金流ESQRPAY
| Q1 26 | — | — | ||
| Q4 25 | $56.7M | $23.2M | ||
| Q3 25 | $16.2M | $32.1M | ||
| Q2 25 | $9.3M | $33.0M | ||
| Q1 25 | $14.7M | $2.4M | ||
| Q4 24 | $41.5M | $34.0M | ||
| Q3 24 | $10.5M | $59.8M | ||
| Q2 24 | $6.9M | $30.5M |
自由现金流率ESQRPAY
| Q1 26 | — | — | ||
| Q4 25 | 143.9% | 29.6% | ||
| Q3 25 | 43.2% | 41.3% | ||
| Q2 25 | 26.0% | 43.6% | ||
| Q1 25 | 43.4% | 3.0% | ||
| Q4 24 | 125.5% | 43.5% | ||
| Q3 24 | 32.8% | 75.6% | ||
| Q2 24 | 22.5% | 40.7% |
资本支出强度ESQRPAY
| Q1 26 | — | — | ||
| Q4 25 | 8.0% | 0.1% | ||
| Q3 25 | 1.3% | 0.2% | ||
| Q2 25 | 3.2% | 0.1% | ||
| Q1 25 | 3.4% | 0.2% | ||
| Q4 24 | 2.2% | 0.3% | ||
| Q3 24 | 0.2% | 0.3% | ||
| Q2 24 | 1.1% | 0.6% |
现金转化率ESQRPAY
| Q1 26 | — | — | ||
| Q4 25 | 4.44× | — | ||
| Q3 25 | 1.19× | — | ||
| Q2 25 | 0.88× | — | ||
| Q1 25 | 1.39× | — | ||
| Q4 24 | 3.59× | — | ||
| Q3 24 | 0.93× | 18.52× | ||
| Q2 24 | 0.69× | — |
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
ESQ
| Net Interest Income | $34.0M | 84% |
| Noninterest Income | $6.5M | 16% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
