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EVERTEC, Inc.（EVTC）与Ibotta, Inc.（IBTA）财务数据对比。点击上方公司名可切换其他公司
EVERTEC, Inc.的季度营收约是Ibotta, Inc.的2.8倍（$244.8M vs $88.5M），EVERTEC, Inc.同比增速更快（13.1% vs -10.0%），EVERTEC, Inc.自由现金流更多（$63.7M vs $20.3M），过去两年EVERTEC, Inc.的营收复合增速更高（9.2% vs 3.7%）
EVERTEC Inc.是总部位于波多黎各的领先全品类支付技术与交易处理服务商，主要面向拉丁美洲及加勒比地区的金融机构、零售商户和政府客户，提供商户收单、电子资金转账、数字支付解决方案及业务流程外包服务。
Ibotta, Inc.是总部位于美国科罗拉多州丹佛市的移动科技公司，成立于2011年，目前仅在美国开展业务。公司依托自主开发的Ibotta绩效网络与面向消费者的手机应用，为各类消费提供现金返现奖励，同时与快速消费品品牌及网络发行商合作，还推出了返现即服务业务。
EVTC vs IBTA — 直观对比
营收规模更大
EVTC
是对方的2.8倍
$88.5M
营收增速更快
EVTC
高出23.2%
-10.0%
自由现金流更多
EVTC
多$43.4M
$20.3M
两年增速更快
EVTC
近两年复合增速
3.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $244.8M | $88.5M |
| 净利润 | $37.0M | — |
| 毛利率 | — | 78.7% |
| 营业利润率 | 17.6% | -1.9% |
| 净利率 | 15.1% | — |
| 营收同比 | 13.1% | -10.0% |
| 净利润同比 | -8.9% | — |
| 每股收益（稀释后） | $0.57 | $-0.03 |
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EVTCIBTA
| Q4 25 | $244.8M | $88.5M | ||
| Q3 25 | $228.6M | $83.3M | ||
| Q2 25 | $229.6M | $86.0M | ||
| Q1 25 | $228.8M | $84.6M | ||
| Q4 24 | $216.4M | $98.4M | ||
| Q3 24 | $211.8M | $98.6M | ||
| Q2 24 | $212.0M | $87.9M | ||
| Q1 24 | $205.3M | $82.3M |
净利润EVTCIBTA
| Q4 25 | $37.0M | — | ||
| Q3 25 | $32.9M | $1.5M | ||
| Q2 25 | $40.5M | $2.5M | ||
| Q1 25 | $32.7M | $555.0K | ||
| Q4 24 | $40.7M | — | ||
| Q3 24 | $24.7M | $17.2M | ||
| Q2 24 | $31.9M | $-34.0M | ||
| Q1 24 | $16.0M | $9.3M |
毛利率EVTCIBTA
| Q4 25 | — | 78.7% | ||
| Q3 25 | — | 79.4% | ||
| Q2 25 | — | 79.2% | ||
| Q1 25 | — | 79.8% | ||
| Q4 24 | — | 84.6% | ||
| Q3 24 | — | 87.7% | ||
| Q2 24 | — | 86.0% | ||
| Q1 24 | — | 87.2% |
营业利润率EVTCIBTA
| Q4 25 | 17.6% | -1.9% | ||
| Q3 25 | 16.5% | 2.8% | ||
| Q2 25 | 24.4% | 1.4% | ||
| Q1 25 | 21.6% | -3.3% | ||
| Q4 24 | 22.2% | 13.2% | ||
| Q3 24 | 19.6% | 21.0% | ||
| Q2 24 | 20.5% | -24.6% | ||
| Q1 24 | 16.0% | 19.3% |
净利率EVTCIBTA
| Q4 25 | 15.1% | — | ||
| Q3 25 | 14.4% | 1.8% | ||
| Q2 25 | 17.6% | 2.9% | ||
| Q1 25 | 14.3% | 0.7% | ||
| Q4 24 | 18.8% | — | ||
| Q3 24 | 11.7% | 17.5% | ||
| Q2 24 | 15.0% | -38.6% | ||
| Q1 24 | 7.8% | 11.3% |
每股收益（稀释后）EVTCIBTA
| Q4 25 | $0.57 | $-0.03 | ||
| Q3 25 | $0.51 | $0.05 | ||
| Q2 25 | $0.62 | $0.08 | ||
| Q1 25 | $0.50 | $0.02 | ||
| Q4 24 | $0.62 | $3.04 | ||
| Q3 24 | $0.38 | $0.51 | ||
| Q2 24 | $0.49 | $-1.32 | ||
| Q1 24 | $0.24 | $0.33 |
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 | $306.0M | $186.6M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $621.6M | $287.7M |
| 总资产 | $2.2B | $525.9M |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资EVTCIBTA
| Q4 25 | $306.0M | $186.6M | ||
| Q3 25 | $474.7M | $223.3M | ||
| Q2 25 | $290.6M | $250.5M | ||
| Q1 25 | $265.9M | $297.1M | ||
| Q4 24 | $273.6M | $349.3M | ||
| Q3 24 | $275.4M | $341.3M | ||
| Q2 24 | $257.7M | $317.9M | ||
| Q1 24 | $293.7M | $79.5M |
总债务EVTCIBTA
| Q4 25 | — | $0 | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $65.3M |
股东权益EVTCIBTA
| Q4 25 | $621.6M | $287.7M | ||
| Q3 25 | $663.8M | $329.6M | ||
| Q2 25 | $612.3M | $354.1M | ||
| Q1 25 | $542.1M | $401.3M | ||
| Q4 24 | $472.5M | $457.3M | ||
| Q3 24 | $502.6M | $378.0M | ||
| Q2 24 | $483.4M | $359.7M | ||
| Q1 24 | $507.3M | $44.1M |
总资产EVTCIBTA
| Q4 25 | $2.2B | $525.9M | ||
| Q3 25 | $2.1B | $569.4M | ||
| Q2 25 | $2.0B | $600.8M | ||
| Q1 25 | $1.9B | $639.3M | ||
| Q4 24 | $1.9B | $678.4M | ||
| Q3 24 | $1.9B | $598.3M | ||
| Q2 24 | $1.9B | $556.0M | ||
| Q1 24 | $2.0B | $322.1M |
负债/权益比EVTCIBTA
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 1.48× |
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 | $70.0M | $27.8M |
| 自由现金流经营现金流 - 资本支出 | $63.7M | $20.3M |
| 自由现金流率自由现金流/营收 | 26.0% | 22.9% |
| 资本支出强度资本支出/营收 | 2.6% | 8.5% |
| 现金转化率经营现金流/净利润 | 1.89× | — |
| 过去12个月自由现金流最近4个季度 | $203.7M | $75.0M |
8季度趋势，按日历期对齐
经营现金流EVTCIBTA
| Q4 25 | $70.0M | $27.8M | ||
| Q3 25 | $70.9M | $21.8M | ||
| Q2 25 | $48.5M | $25.9M | ||
| Q1 25 | $37.6M | $19.9M | ||
| Q4 24 | $75.2M | $22.0M | ||
| Q3 24 | $53.6M | $39.5M | ||
| Q2 24 | $90.6M | $35.0M | ||
| Q1 24 | $40.7M | $19.4M |
自由现金流EVTCIBTA
| Q4 25 | $63.7M | $20.3M | ||
| Q3 25 | $65.3M | $14.5M | ||
| Q2 25 | $43.5M | $22.2M | ||
| Q1 25 | $31.2M | $18.0M | ||
| Q4 24 | $70.8M | $21.8M | ||
| Q3 24 | $49.7M | $39.2M | ||
| Q2 24 | $78.8M | $34.8M | ||
| Q1 24 | $35.3M | $19.2M |
自由现金流率EVTCIBTA
| Q4 25 | 26.0% | 22.9% | ||
| Q3 25 | 28.5% | 17.4% | ||
| Q2 25 | 18.9% | 25.8% | ||
| Q1 25 | 13.7% | 21.2% | ||
| Q4 24 | 32.7% | 22.1% | ||
| Q3 24 | 23.5% | 39.8% | ||
| Q2 24 | 37.2% | 39.6% | ||
| Q1 24 | 17.2% | 23.3% |
资本支出强度EVTCIBTA
| Q4 25 | 2.6% | 8.5% | ||
| Q3 25 | 2.5% | 8.7% | ||
| Q2 25 | 2.2% | 4.2% | ||
| Q1 25 | 2.8% | 2.2% | ||
| Q4 24 | 2.0% | 0.2% | ||
| Q3 24 | 1.8% | 0.3% | ||
| Q2 24 | 5.6% | 0.2% | ||
| Q1 24 | 2.6% | 0.2% |
现金转化率EVTCIBTA
| Q4 25 | 1.89× | — | ||
| Q3 25 | 2.16× | 14.19× | ||
| Q2 25 | 1.20× | 10.38× | ||
| Q1 25 | 1.15× | 35.78× | ||
| Q4 24 | 1.85× | — | ||
| Q3 24 | 2.17× | 2.29× | ||
| Q2 24 | 2.84× | — | ||
| Q1 24 | 2.55× | 2.08× |
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
EVTC
| Latin America Payments And Solutions | $101.5M | 41% |
| Business Solutions | $58.3M | 24% |
| Merchant Acquiring Net | $48.2M | 20% |
| Payment Services Puerto Rico Caribbean | $36.8M | 15% |
| Transferred At Point In Time | $4.0M | 2% |
IBTA
| Redemption Revenue | $78.5M | 89% |
| Ad Other Revenue | $10.0M | 11% |
| Breakage | $2.1M | 2% |
