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飞汇（FLYW）与REPUBLIC BANCORP INC（RBCAA）财务数据对比。点击上方公司名可切换其他公司
飞汇的季度营收约是REPUBLIC BANCORP INC的1.7倍（$157.5M vs $94.3M），REPUBLIC BANCORP INC净利率更高（24.2% vs 0.0%，领先24.2%），飞汇同比增速更快（34.0% vs 5.3%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $4.5M），过去两年飞汇的营收复合增速更高（17.5% vs -11.5%）
Flywire Corp（飞汇）是一家全球支付解决方案提供商，核心服务覆盖教育、医疗、旅游及B2B商务领域，提供安全跨境支付处理、货币兑换及支付流程优化工具，为全球多国的机构与付款人简化交易流程。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
FLYW vs RBCAA — 直观对比
营收规模更大
FLYW
是对方的1.7倍
$94.3M
营收增速更快
FLYW
高出28.7%
5.3%
净利率更高
RBCAA
高出24.2%
0.0%
自由现金流更多
RBCAA
多$156.6M
$4.5M
两年增速更快
FLYW
近两年复合增速
-11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $157.5M | $94.3M |
| 净利润 | $33.0K | $22.8M |
| 毛利率 | — | — |
| 营业利润率 | -0.6% | 29.3% |
| 净利率 | 0.0% | 24.2% |
| 营收同比 | 34.0% | 5.3% |
| 净利润同比 | 100.2% | 20.0% |
| 每股收益（稀释后） | $0.01 | — |
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FLYWRBCAA
| Q4 25 | $157.5M | $94.3M | ||
| Q3 25 | $200.1M | $93.5M | ||
| Q2 25 | $131.9M | $93.8M | ||
| Q1 25 | $133.5M | $135.8M | ||
| Q4 24 | $117.5M | $89.5M | ||
| Q3 24 | $156.8M | $88.1M | ||
| Q2 24 | $103.7M | $86.9M | ||
| Q1 24 | $114.1M | $120.3M |
净利润FLYWRBCAA
| Q4 25 | $33.0K | $22.8M | ||
| Q3 25 | $29.6M | $29.7M | ||
| Q2 25 | $-12.0M | $31.5M | ||
| Q1 25 | $-4.2M | $47.3M | ||
| Q4 24 | $-15.9M | $19.0M | ||
| Q3 24 | $38.9M | $26.5M | ||
| Q2 24 | $-13.9M | $25.2M | ||
| Q1 24 | $-6.2M | $30.6M |
营业利润率FLYWRBCAA
| Q4 25 | -0.6% | 29.3% | ||
| Q3 25 | 16.1% | 40.4% | ||
| Q2 25 | -6.8% | 43.0% | ||
| Q1 25 | -8.2% | 44.1% | ||
| Q4 24 | -4.9% | 25.8% | ||
| Q3 24 | 12.9% | 38.4% | ||
| Q2 24 | -15.2% | 37.0% | ||
| Q1 24 | -5.2% | 32.2% |
净利率FLYWRBCAA
| Q4 25 | 0.0% | 24.2% | ||
| Q3 25 | 14.8% | 31.8% | ||
| Q2 25 | -9.1% | 33.5% | ||
| Q1 25 | -3.1% | 34.8% | ||
| Q4 24 | -13.5% | 21.2% | ||
| Q3 24 | 24.8% | 30.1% | ||
| Q2 24 | -13.4% | 29.0% | ||
| Q1 24 | -5.4% | 25.4% |
每股收益（稀释后）FLYWRBCAA
| Q4 25 | $0.01 | — | ||
| Q3 25 | $0.23 | — | ||
| Q2 25 | $-0.10 | — | ||
| Q1 25 | $-0.03 | — | ||
| Q4 24 | $-0.12 | — | ||
| Q3 24 | $0.30 | — | ||
| Q2 24 | $-0.11 | — | ||
| Q1 24 | $-0.05 | — |
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 | $355.0M | $220.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $835.2M | $1.1B |
| 总资产 | $1.3B | $7.0B |
| 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FLYWRBCAA
| Q4 25 | $355.0M | $220.0M | ||
| Q3 25 | $377.3M | $484.2M | ||
| Q2 25 | $274.2M | $484.8M | ||
| Q1 25 | $255.3M | $793.0M | ||
| Q4 24 | $611.1M | $432.2M | ||
| Q3 24 | $681.1M | $530.9M | ||
| Q2 24 | $571.0M | $400.1M | ||
| Q1 24 | $619.0M | $546.4M |
总债务FLYWRBCAA
| Q4 25 | — | — | ||
| Q3 25 | $15.0M | — | ||
| Q2 25 | $60.0M | — | ||
| Q1 25 | $60.0M | — | ||
| Q4 24 | $0 | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益FLYWRBCAA
| Q4 25 | $835.2M | $1.1B | ||
| Q3 25 | $829.1M | $1.1B | ||
| Q2 25 | $792.4M | $1.1B | ||
| Q1 25 | $784.3M | $1.0B | ||
| Q4 24 | $814.8M | $992.0M | ||
| Q3 24 | $843.2M | $979.7M | ||
| Q2 24 | $802.6M | $955.4M | ||
| Q1 24 | $-797.0M | $935.6M |
总资产FLYWRBCAA
| Q4 25 | $1.3B | $7.0B | ||
| Q3 25 | $1.3B | $7.0B | ||
| Q2 25 | $1.1B | $7.0B | ||
| Q1 25 | $1.1B | $7.1B | ||
| Q4 24 | $1.1B | $6.8B | ||
| Q3 24 | $1.2B | $6.7B | ||
| Q2 24 | $998.7M | $6.6B | ||
| Q1 24 | $998.7M | $6.9B |
负债/权益比FLYWRBCAA
| Q4 25 | — | — | ||
| Q3 25 | 0.02× | — | ||
| Q2 25 | 0.08× | — | ||
| Q1 25 | 0.08× | — | ||
| Q4 24 | 0.00× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $4.9M | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $4.5M | $161.1M |
| 自由现金流率自由现金流/营收 | 2.9% | 170.9% |
| 资本支出强度资本支出/营收 | 0.2% | 7.5% |
| 现金转化率经营现金流/净利润 | 148.06× | 7.37× |
| 过去12个月自由现金流最近4个季度 | $98.8M | $288.6M |
8季度趋势，按日历期对齐
经营现金流FLYWRBCAA
| Q4 25 | $4.9M | $168.2M | ||
| Q3 25 | $150.1M | $33.3M | ||
| Q2 25 | $24.1M | $8.4M | ||
| Q1 25 | $-78.9M | $93.2M | ||
| Q4 24 | $-28.6M | $149.0M | ||
| Q3 24 | $184.6M | $51.3M | ||
| Q2 24 | $-19.3M | $4.0M | ||
| Q1 24 | $-38.1M | $71.2M |
自由现金流FLYWRBCAA
| Q4 25 | $4.5M | $161.1M | ||
| Q3 25 | $149.9M | $30.8M | ||
| Q2 25 | $23.5M | $5.2M | ||
| Q1 25 | $-79.1M | $91.6M | ||
| Q4 24 | $-28.7M | $143.2M | ||
| Q3 24 | $184.4M | $49.8M | ||
| Q2 24 | $-19.7M | $2.7M | ||
| Q1 24 | $-38.3M | $69.1M |
自由现金流率FLYWRBCAA
| Q4 25 | 2.9% | 170.9% | ||
| Q3 25 | 74.9% | 32.9% | ||
| Q2 25 | 17.8% | 5.5% | ||
| Q1 25 | -59.3% | 67.4% | ||
| Q4 24 | -24.4% | 160.0% | ||
| Q3 24 | 117.6% | 56.5% | ||
| Q2 24 | -19.0% | 3.1% | ||
| Q1 24 | -33.6% | 57.5% |
资本支出强度FLYWRBCAA
| Q4 25 | 0.2% | 7.5% | ||
| Q3 25 | 0.1% | 2.6% | ||
| Q2 25 | 0.4% | 3.5% | ||
| Q1 25 | 0.1% | 1.2% | ||
| Q4 24 | 0.1% | 6.5% | ||
| Q3 24 | 0.1% | 1.7% | ||
| Q2 24 | 0.3% | 1.5% | ||
| Q1 24 | 0.2% | 1.7% |
现金转化率FLYWRBCAA
| Q4 25 | 148.06× | 7.37× | ||
| Q3 25 | 5.07× | 1.12× | ||
| Q2 25 | — | 0.27× | ||
| Q1 25 | — | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | 4.75× | 1.93× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 2.33× |
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
FLYW
| Transactions | $126.4M | 80% |
| Platform And Other Revenues | $31.1M | 20% |
RBCAA
暂无分部数据
