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Finance of America Companies Inc.（FOA）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Finance of America Companies Inc.的1.1倍（$78.6M vs $73.5M），Finance of America Companies Inc.净利率更高（-14.1% vs -178.3%，领先164.2%），Finance of America Companies Inc.同比增速更快（248.7% vs 0.4%），过去两年Finance of America Companies Inc.的营收复合增速更高（-0.8% vs -1.3%）
洛克特公司是一家美国金融科技与住房服务企业，由丹·吉尔伯特创立，总部位于密歇根州底特律市中心。依托核心子公司Rocket Mortgage，该公司已是美国规模最大的抵押贷款机构之一，旗下还拥有Redfin、Forsalebyowner.com、Rocket Money等子品牌。
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。
FOA vs RPAY — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $73.5M | $78.6M |
| 净利润 | $-10.4M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | -29.9% | -182.2% |
| 净利率 | -14.1% | -178.3% |
| 营收同比 | 248.7% | 0.4% |
| 净利润同比 | 82.4% | -3304.1% |
| 每股收益（稀释后） | $0.45 | $-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
| Q4 25 | $73.5M | $78.6M | ||
| Q3 25 | $80.8M | $77.7M | ||
| Q2 25 | $177.4M | $75.6M | ||
| Q1 25 | $165.7M | $77.3M | ||
| Q4 24 | $-49.4M | $78.3M | ||
| Q3 24 | $290.1M | $79.1M | ||
| Q2 24 | $79.0M | $74.9M | ||
| Q1 24 | $74.7M | $80.7M |
| Q4 25 | $-10.4M | $-140.1M | ||
| Q3 25 | $-9.5M | $-6.4M | ||
| Q2 25 | $34.9M | $-102.3M | ||
| Q1 25 | $30.2M | $-7.9M | ||
| Q4 24 | $-59.1M | $-4.1M | ||
| Q3 24 | $84.2M | $3.2M | ||
| Q2 24 | $-2.1M | $-4.1M | ||
| Q1 24 | $-7.5M | $-5.2M |
| 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% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | -29.9% | -182.2% | ||
| Q3 25 | -35.3% | -3.9% | ||
| Q2 25 | 46.2% | -138.7% | ||
| Q1 25 | 49.3% | -4.7% | ||
| Q4 24 | 295.0% | -1.5% | ||
| Q3 24 | 71.8% | -0.9% | ||
| Q2 24 | -4.8% | -4.6% | ||
| Q1 24 | -21.1% | -3.1% |
| Q4 25 | -14.1% | -178.3% | ||
| Q3 25 | -11.8% | -8.3% | ||
| Q2 25 | 19.7% | -135.2% | ||
| Q1 25 | 18.2% | -10.3% | ||
| Q4 24 | 119.5% | -5.3% | ||
| Q3 24 | 29.0% | 4.1% | ||
| Q2 24 | -2.6% | -5.4% | ||
| Q1 24 | -10.1% | -6.5% |
| Q4 25 | $0.45 | $-1.68 | ||
| Q3 25 | $-1.27 | $-0.08 | ||
| Q2 25 | $2.13 | $-1.15 | ||
| Q1 25 | $2.43 | $-0.09 | ||
| Q4 24 | $-5.24 | $-0.04 | ||
| Q3 24 | $7.50 | $0.03 | ||
| Q2 24 | $-0.30 | $-0.04 | ||
| Q1 24 | $-0.78 | $-0.06 |
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 | $89.5M | $115.7M |
| 总债务越低越好 | $357.5M | $280.1M |
| 股东权益账面价值 | $395.6M | $484.4M |
| 总资产 | $30.7B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.90× | 0.58× |
8季度趋势，按日历期对齐
| Q4 25 | $89.5M | $115.7M | ||
| Q3 25 | $109.8M | $95.7M | ||
| Q2 25 | $46.5M | $162.6M | ||
| Q1 25 | $52.0M | $165.5M | ||
| Q4 24 | $47.4M | $189.5M | ||
| Q3 24 | $44.3M | $168.7M | ||
| Q2 24 | $46.5M | $147.1M | ||
| Q1 24 | $48.2M | $128.3M |
| Q4 25 | $357.5M | $280.1M | ||
| Q3 25 | $390.0M | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | $374.5M | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $395.6M | $484.4M | ||
| Q3 25 | $365.8M | $616.9M | ||
| Q2 25 | $473.4M | $633.7M | ||
| Q1 25 | $394.9M | $755.7M | ||
| Q4 24 | $315.7M | $761.3M | ||
| Q3 24 | $456.5M | $754.7M | ||
| Q2 24 | $251.3M | $815.4M | ||
| Q1 24 | $255.7M | $813.8M |
| Q4 25 | $30.7B | $1.2B | ||
| Q3 25 | $30.7B | $1.3B | ||
| Q2 25 | $30.1B | $1.4B | ||
| Q1 25 | $29.7B | $1.5B | ||
| Q4 24 | $29.2B | $1.6B | ||
| Q3 24 | $29.0B | $1.6B | ||
| Q2 24 | $28.0B | $1.5B | ||
| Q1 24 | $27.7B | $1.5B |
| Q4 25 | 0.90× | 0.58× | ||
| Q3 25 | 1.07× | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 1.19× | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 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 | $-429.7M | $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
| Q4 25 | $-429.7M | $23.3M | ||
| Q3 25 | $-149.7M | $32.2M | ||
| Q2 25 | $-96.5M | $33.1M | ||
| Q1 25 | $-92.1M | $2.5M | ||
| Q4 24 | $-423.8M | $34.3M | ||
| Q3 24 | $-81.4M | $60.1M | ||
| Q2 24 | $-104.0M | $31.0M | ||
| Q1 24 | $-132.2M | $24.8M |
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M | ||
| Q1 24 | $-132.7M | $24.7M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% | ||
| Q1 24 | -177.7% | 30.6% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | 0.6% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -2.76× | — | ||
| Q1 25 | -3.05× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -0.97× | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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
FOA
| Segment Continuing Operations | $70.8M | 96% |
| Other | $2.7M | 4% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
