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EVERTEC, Inc.（EVTC）与BRC Group Holdings, Inc.（RILY）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BRC Group Holdings, Inc.的1.3倍（$244.8M vs $188.3M），BRC Group Holdings, Inc.净利率更高（47.9% vs 15.1%，领先32.8%），EVERTEC, Inc.同比增速更快（13.1% vs -21.9%），过去两年EVERTEC, Inc.的营收复合增速更高（9.2% vs -15.4%）
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。
EVTC vs RILY — 直观对比
营收规模更大
EVTC
是对方的1.3倍
$188.3M
营收增速更快
EVTC
高出35.0%
-21.9%
净利率更高
RILY
高出32.8%
15.1%
两年增速更快
EVTC
近两年复合增速
-15.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $244.8M | $188.3M |
| 净利润 | $37.0M | $90.3M |
| 毛利率 | — | 79.5% |
| 营业利润率 | 17.6% | 32.3% |
| 净利率 | 15.1% | 47.9% |
| 营收同比 | 13.1% | -21.9% |
| 净利润同比 | -8.9% | 1710.8% |
| 每股收益（稀释后） | $0.57 | $2.78 |
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EVTCRILY
| Q4 25 | $244.8M | $188.3M | ||
| Q3 25 | $228.6M | $215.3M | ||
| Q2 25 | $229.6M | $188.2M | ||
| Q1 25 | $228.8M | $197.2M | ||
| Q4 24 | $216.4M | $241.0M | ||
| Q3 24 | $211.8M | $225.5M | ||
| Q2 24 | $212.0M | $256.0M | ||
| Q1 24 | $205.3M | $263.4M |
净利润EVTCRILY
| Q4 25 | $37.0M | $90.3M | ||
| Q3 25 | $32.9M | $91.1M | ||
| Q2 25 | $40.5M | $139.5M | ||
| Q1 25 | $32.7M | $-10.0M | ||
| Q4 24 | $40.7M | $-5.6M | ||
| Q3 24 | $24.7M | $-284.4M | ||
| Q2 24 | $31.9M | $-433.6M | ||
| Q1 24 | $16.0M | $-49.2M |
毛利率EVTCRILY
| Q4 25 | — | 79.5% | ||
| Q3 25 | — | 83.7% | ||
| Q2 25 | — | 81.3% | ||
| Q1 25 | — | 81.4% | ||
| Q4 24 | — | 79.8% | ||
| Q3 24 | — | 82.1% | ||
| Q2 24 | — | 84.5% | ||
| Q1 24 | — | 85.3% |
营业利润率EVTCRILY
| Q4 25 | 17.6% | 32.3% | ||
| Q3 25 | 16.5% | 30.4% | ||
| Q2 25 | 24.4% | 5.7% | ||
| Q1 25 | 21.6% | -31.2% | ||
| Q4 24 | 22.2% | -69.2% | ||
| Q3 24 | 19.6% | -36.4% | ||
| Q2 24 | 20.5% | -90.8% | ||
| Q1 24 | 16.0% | -6.1% |
净利率EVTCRILY
| Q4 25 | 15.1% | 47.9% | ||
| Q3 25 | 14.4% | 42.3% | ||
| Q2 25 | 17.6% | 74.1% | ||
| Q1 25 | 14.3% | -5.1% | ||
| Q4 24 | 18.8% | -2.3% | ||
| Q3 24 | 11.7% | -126.1% | ||
| Q2 24 | 15.0% | -169.4% | ||
| Q1 24 | 7.8% | -18.7% |
每股收益（稀释后）EVTCRILY
| Q4 25 | $0.57 | $2.78 | ||
| Q3 25 | $0.51 | $2.91 | ||
| Q2 25 | $0.62 | $4.50 | ||
| Q1 25 | $0.50 | $-0.39 | ||
| Q4 24 | $0.62 | $-0.01 | ||
| Q3 24 | $0.38 | $-9.39 | ||
| Q2 24 | $0.49 | $-14.35 | ||
| Q1 24 | $0.24 | $-1.71 |
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 | $226.6M |
| 总债务越低越好 | — | $1.4B |
| 股东权益账面价值 | $621.6M | $-171.5M |
| 总资产 | $2.2B | $1.7B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资EVTCRILY
| Q4 25 | $306.0M | $226.6M | ||
| Q3 25 | $474.7M | $184.2M | ||
| Q2 25 | $290.6M | $267.4M | ||
| Q1 25 | $265.9M | $138.3M | ||
| Q4 24 | $273.6M | $146.9M | ||
| Q3 24 | $275.4M | $159.2M | ||
| Q2 24 | $257.7M | $236.9M | ||
| Q1 24 | $293.7M | $190.7M |
总债务EVTCRILY
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益EVTCRILY
| Q4 25 | $621.6M | $-171.5M | ||
| Q3 25 | $663.8M | $-260.5M | ||
| Q2 25 | $612.3M | $-351.7M | ||
| Q1 25 | $542.1M | $-496.8M | ||
| Q4 24 | $472.5M | $-488.2M | ||
| Q3 24 | $502.6M | $-497.6M | ||
| Q2 24 | $483.4M | $-218.3M | ||
| Q1 24 | $507.3M | $228.4M |
总资产EVTCRILY
| Q4 25 | $2.2B | $1.7B | ||
| Q3 25 | $2.1B | $1.7B | ||
| Q2 25 | $2.0B | $1.5B | ||
| Q1 25 | $1.9B | $1.5B | ||
| Q4 24 | $1.9B | $1.8B | ||
| Q3 24 | $1.9B | $2.2B | ||
| Q2 24 | $1.9B | $3.2B | ||
| Q1 24 | $2.0B | $5.0B |
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 | $26.2M |
| 自由现金流经营现金流 - 资本支出 | $63.7M | — |
| 自由现金流率自由现金流/营收 | 26.0% | — |
| 资本支出强度资本支出/营收 | 2.6% | — |
| 现金转化率经营现金流/净利润 | 1.89× | 0.29× |
| 过去12个月自由现金流最近4个季度 | $203.7M | — |
8季度趋势，按日历期对齐
经营现金流EVTCRILY
| Q4 25 | $70.0M | $26.2M | ||
| Q3 25 | $70.9M | $-60.6M | ||
| Q2 25 | $48.5M | $-25.6M | ||
| Q1 25 | $37.6M | $184.0K | ||
| Q4 24 | $75.2M | $-2.7M | ||
| Q3 24 | $53.6M | $19.5M | ||
| Q2 24 | $90.6M | $111.5M | ||
| Q1 24 | $40.7M | $135.4M |
自由现金流EVTCRILY
| Q4 25 | $63.7M | — | ||
| Q3 25 | $65.3M | — | ||
| Q2 25 | $43.5M | — | ||
| Q1 25 | $31.2M | — | ||
| Q4 24 | $70.8M | — | ||
| Q3 24 | $49.7M | — | ||
| Q2 24 | $78.8M | — | ||
| Q1 24 | $35.3M | — |
自由现金流率EVTCRILY
| Q4 25 | 26.0% | — | ||
| Q3 25 | 28.5% | — | ||
| Q2 25 | 18.9% | — | ||
| Q1 25 | 13.7% | — | ||
| Q4 24 | 32.7% | — | ||
| Q3 24 | 23.5% | — | ||
| Q2 24 | 37.2% | — | ||
| Q1 24 | 17.2% | — |
资本支出强度EVTCRILY
| Q4 25 | 2.6% | — | ||
| Q3 25 | 2.5% | — | ||
| Q2 25 | 2.2% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | 1.8% | — | ||
| Q2 24 | 5.6% | — | ||
| Q1 24 | 2.6% | — |
现金转化率EVTCRILY
| Q4 25 | 1.89× | 0.29× | ||
| Q3 25 | 2.16× | -0.66× | ||
| Q2 25 | 1.20× | -0.18× | ||
| Q1 25 | 1.15× | — | ||
| Q4 24 | 1.85× | — | ||
| Q3 24 | 2.17× | — | ||
| Q2 24 | 2.84× | — | ||
| Q1 24 | 2.55× | — |
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% |
RILY
| Transferred At Point In Time | $101.4M | 54% |
| Wealth Management Segment | $30.7M | 16% |
| Corporate Finance Consulting And Investment Banking Fees | $27.1M | 14% |
| Services And Fees | $24.8M | 13% |
| Commissions Fees And Reimbursed Expenses | $4.8M | 3% |
