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Primis Financial Corp.（FRST）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Primis Financial Corp.的1.7倍（$78.6M vs $45.6M），Primis Financial Corp.净利率更高（16.0% vs -178.3%，领先194.3%），过去两年Primis Financial Corp.的营收复合增速更高（13.0% vs -1.3%）
Primis金融集团是一家总部位于美国的金融控股公司，运营多家全服务银行子公司，面向个人及企业客户提供存款、贷款、按揭、财富管理等多元化金融服务，核心业务覆盖美国中大西洋沿岸区域。
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。
FRST vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.7倍
$45.6M
净利率更高
FRST
高出194.3%
-178.3%
两年增速更快
FRST
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $45.6M | $78.6M |
| 净利润 | $7.3M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 16.0% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | 200.0% | -3304.1% |
| 每股收益（稀释后） | $0.30 | $-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FRSTRPAY
| Q1 26 | $45.6M | — | ||
| Q4 25 | $80.9M | $78.6M | ||
| Q3 25 | $41.0M | $77.7M | ||
| Q2 25 | $43.2M | $75.6M | ||
| Q1 25 | $58.7M | $77.3M | ||
| Q4 24 | $38.8M | $78.3M | ||
| Q3 24 | $37.3M | $79.1M | ||
| Q2 24 | $35.7M | $74.9M |
净利润FRSTRPAY
| Q1 26 | $7.3M | — | ||
| Q4 25 | $29.5M | $-140.1M | ||
| Q3 25 | $6.8M | $-6.4M | ||
| Q2 25 | $2.4M | $-102.3M | ||
| Q1 25 | $22.6M | $-7.9M | ||
| Q4 24 | $-26.2M | $-4.1M | ||
| Q3 24 | $1.2M | $3.2M | ||
| Q2 24 | $3.4M | $-4.1M |
毛利率FRSTRPAY
| 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FRSTRPAY
| Q1 26 | — | — | ||
| Q4 25 | 44.8% | -182.2% | ||
| Q3 25 | 21.3% | -3.9% | ||
| Q2 25 | 6.9% | -138.7% | ||
| Q1 25 | 41.9% | -4.7% | ||
| Q4 24 | -123.0% | -1.5% | ||
| Q3 24 | -3.1% | -0.9% | ||
| Q2 24 | 7.8% | -4.6% |
净利率FRSTRPAY
| Q1 26 | 16.0% | — | ||
| Q4 25 | 36.5% | -178.3% | ||
| Q3 25 | 16.7% | -8.3% | ||
| Q2 25 | 5.6% | -135.2% | ||
| Q1 25 | 38.6% | -10.3% | ||
| Q4 24 | -100.3% | -5.3% | ||
| Q3 24 | 3.3% | 4.1% | ||
| Q2 24 | 9.6% | -5.4% |
每股收益（稀释后）FRSTRPAY
| Q1 26 | $0.30 | — | ||
| Q4 25 | $1.19 | $-1.68 | ||
| Q3 25 | $0.28 | $-0.08 | ||
| Q2 25 | $0.10 | $-1.15 | ||
| Q1 25 | $0.92 | $-0.09 | ||
| Q4 24 | $-0.95 | $-0.04 | ||
| Q3 24 | $0.05 | $0.03 | ||
| Q2 24 | $0.14 | $-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 | $159.9M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $427.2M | $484.4M |
| 总资产 | $4.3B | $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FRSTRPAY
| Q1 26 | $159.9M | — | ||
| Q4 25 | $143.6M | $115.7M | ||
| Q3 25 | $63.9M | $95.7M | ||
| Q2 25 | $94.1M | $162.6M | ||
| Q1 25 | $57.0M | $165.5M | ||
| Q4 24 | $64.5M | $189.5M | ||
| Q3 24 | $77.3M | $168.7M | ||
| Q2 24 | $66.6M | $147.1M |
总债务FRSTRPAY
| 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FRSTRPAY
| Q1 26 | $427.2M | — | ||
| Q4 25 | $422.9M | $484.4M | ||
| Q3 25 | $382.2M | $616.9M | ||
| Q2 25 | $376.4M | $633.7M | ||
| Q1 25 | $375.6M | $755.7M | ||
| Q4 24 | $351.8M | $761.3M | ||
| Q3 24 | $381.0M | $754.7M | ||
| Q2 24 | $376.0M | $815.4M |
总资产FRSTRPAY
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.0B | $1.2B | ||
| Q3 25 | $4.0B | $1.3B | ||
| Q2 25 | $3.9B | $1.4B | ||
| Q1 25 | $3.7B | $1.5B | ||
| Q4 24 | $3.7B | $1.6B | ||
| Q3 24 | $4.0B | $1.6B | ||
| Q2 24 | $4.0B | $1.5B |
负债/权益比FRSTRPAY
| 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FRSTRPAY
| Q1 26 | — | — | ||
| Q4 25 | $10.8M | $23.3M | ||
| Q3 25 | $-11.4M | $32.2M | ||
| Q2 25 | $-41.0M | $33.1M | ||
| Q1 25 | $34.4M | $2.5M | ||
| Q4 24 | $19.5M | $34.3M | ||
| Q3 24 | $6.1M | $60.1M | ||
| Q2 24 | $52.3M | $31.0M |
自由现金流FRSTRPAY
| Q1 26 | — | — | ||
| Q4 25 | $9.0M | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | $18.3M | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M |
自由现金流率FRSTRPAY
| Q1 26 | — | — | ||
| Q4 25 | 11.2% | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | 47.3% | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% |
资本支出强度FRSTRPAY
| Q1 26 | — | — | ||
| Q4 25 | 2.1% | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | 3.1% | 0.3% | ||
| Q3 24 | 0.0% | 0.3% | ||
| Q2 24 | 0.0% | 0.6% |
现金转化率FRSTRPAY
| Q1 26 | — | — | ||
| Q4 25 | 0.36× | — | ||
| Q3 25 | -1.67× | — | ||
| Q2 25 | -16.82× | — | ||
| Q1 25 | 1.52× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 4.93× | 18.52× | ||
| Q2 24 | 15.21× | — |
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
FRST
| Net Interest Income | $32.1M | 70% |
| Noninterest Income | $13.6M | 30% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
