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Finwise Bancorp（FINW）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Finwise Bancorp的1.8倍（$78.6M vs $42.7M），Finwise Bancorp净利率更高（6.4% vs -178.3%，领先184.7%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs -1.3%）
Finwise Bancorp是一家总部位于美国的金融控股公司，主要通过旗下社区银行子公司开展业务，提供存款账户、个人贷款、抵押贷款、小微企业融资、财富管理等多元化金融服务，服务覆盖区域内的零售消费者和中小微企业客户。
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。
FINW vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.8倍
$42.7M
净利率更高
FINW
高出184.7%
-178.3%
两年增速更快
FINW
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $78.6M |
| 净利润 | $2.7M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 6.4% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $0.20 | $-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FINWRPAY
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $78.6M | ||
| Q3 25 | $36.7M | $77.7M | ||
| Q2 25 | $25.1M | $75.6M | ||
| Q1 25 | $22.1M | $77.3M | ||
| Q4 24 | $21.1M | $78.3M | ||
| Q3 24 | $20.8M | $79.1M | ||
| Q2 24 | $19.8M | $74.9M |
净利润FINWRPAY
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $-140.1M | ||
| Q3 25 | $4.9M | $-6.4M | ||
| Q2 25 | $4.1M | $-102.3M | ||
| Q1 25 | $3.2M | $-7.9M | ||
| Q4 24 | $2.8M | $-4.1M | ||
| Q3 24 | $3.5M | $3.2M | ||
| Q2 24 | $3.2M | $-4.1M |
毛利率FINWRPAY
| 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FINWRPAY
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | -182.2% | ||
| Q3 25 | 17.5% | -3.9% | ||
| Q2 25 | 21.7% | -138.7% | ||
| Q1 25 | 20.1% | -4.7% | ||
| Q4 24 | 17.5% | -1.5% | ||
| Q3 24 | 22.2% | -0.9% | ||
| Q2 24 | 21.1% | -4.6% |
净利率FINWRPAY
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | -178.3% | ||
| Q3 25 | 13.3% | -8.3% | ||
| Q2 25 | 16.3% | -135.2% | ||
| Q1 25 | 14.4% | -10.3% | ||
| Q4 24 | 13.2% | -5.3% | ||
| Q3 24 | 16.6% | 4.1% | ||
| Q2 24 | 16.1% | -5.4% |
每股收益（稀释后）FINWRPAY
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $-1.68 | ||
| Q3 25 | $0.34 | $-0.08 | ||
| Q2 25 | $0.29 | $-1.15 | ||
| Q1 25 | $0.23 | $-0.09 | ||
| Q4 24 | $0.19 | $-0.04 | ||
| Q3 24 | $0.25 | $0.03 | ||
| Q2 24 | $0.24 | $-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 | — | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $196.6M | $484.4M |
| 总资产 | $899.4M | $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FINWRPAY
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $115.7M | ||
| Q3 25 | $105.6M | $95.7M | ||
| Q2 25 | $90.1M | $162.6M | ||
| Q1 25 | $120.3M | $165.5M | ||
| Q4 24 | $109.2M | $189.5M | ||
| Q3 24 | $85.8M | $168.7M | ||
| Q2 24 | $89.0M | $147.1M |
总债务FINWRPAY
| 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FINWRPAY
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $484.4M | ||
| Q3 25 | $187.8M | $616.9M | ||
| Q2 25 | $182.0M | $633.7M | ||
| Q1 25 | $177.4M | $755.7M | ||
| Q4 24 | $173.7M | $761.3M | ||
| Q3 24 | $170.4M | $754.7M | ||
| Q2 24 | $165.8M | $815.4M |
总资产FINWRPAY
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $1.2B | ||
| Q3 25 | $899.9M | $1.3B | ||
| Q2 25 | $842.5M | $1.4B | ||
| Q1 25 | $804.1M | $1.5B | ||
| Q4 24 | $746.0M | $1.6B | ||
| Q3 24 | $683.0M | $1.6B | ||
| Q2 24 | $617.8M | $1.5B |
负债/权益比FINWRPAY
| 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FINWRPAY
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $23.3M | ||
| Q3 25 | $3.5M | $32.2M | ||
| Q2 25 | $-18.3M | $33.1M | ||
| Q1 25 | $-21.6M | $2.5M | ||
| Q4 24 | $-15.0M | $34.3M | ||
| Q3 24 | $-9.8M | $60.1M | ||
| Q2 24 | $-7.6M | $31.0M |
自由现金流FINWRPAY
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $23.2M | ||
| Q3 25 | $3.4M | $32.1M | ||
| Q2 25 | $-19.8M | $33.0M | ||
| Q1 25 | $-23.3M | $2.4M | ||
| Q4 24 | $-16.1M | $34.0M | ||
| Q3 24 | $-13.4M | $59.8M | ||
| Q2 24 | $-7.7M | $30.5M |
自由现金流率FINWRPAY
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | 29.6% | ||
| Q3 25 | 9.4% | 41.3% | ||
| Q2 25 | -79.0% | 43.6% | ||
| Q1 25 | -105.3% | 3.0% | ||
| Q4 24 | -76.0% | 43.5% | ||
| Q3 24 | -64.3% | 75.6% | ||
| Q2 24 | -38.7% | 40.7% |
资本支出强度FINWRPAY
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 0.1% | ||
| Q3 25 | 0.1% | 0.2% | ||
| Q2 25 | 5.8% | 0.1% | ||
| Q1 25 | 7.4% | 0.2% | ||
| Q4 24 | 5.1% | 0.3% | ||
| Q3 24 | 17.2% | 0.3% | ||
| Q2 24 | 0.3% | 0.6% |
现金转化率FINWRPAY
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | — | ||
| Q3 25 | 0.71× | — | ||
| Q2 25 | -4.48× | — | ||
| Q1 25 | -6.78× | — | ||
| Q4 24 | -5.37× | — | ||
| Q3 24 | -2.84× | 18.52× | ||
| Q2 24 | -2.39× | — |
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
FINW
| Net Interest Income | $28.1M | 66% |
| Noninterest Income | $14.6M | 34% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
