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FIRSTSUN CAPITAL BANCORP（FSUN）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
FIRSTSUN CAPITAL BANCORP的季度营收约是Repay Holdings Corp的1.4倍（$110.0M vs $78.6M），FIRSTSUN CAPITAL BANCORP净利率更高（19.6% vs -178.3%，领先197.9%），过去两年FIRSTSUN CAPITAL BANCORP的营收复合增速更高（6.9% vs -1.3%）
FirstSun Capital Bancorp是一家总部位于美国的金融控股公司，提供商业及个人贷款、存款产品、财富管理、财资解决方案等全面的银行金融服务，主要面向美国区域市场的个人消费者、中小企业及企业客户。
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。
FSUN vs RPAY — 直观对比
营收规模更大
FSUN
是对方的1.4倍
$78.6M
净利率更高
FSUN
高出197.9%
-178.3%
两年增速更快
FSUN
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $110.0M | $78.6M |
| 净利润 | $21.6M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 19.6% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | -8.4% | -3304.1% |
| 每股收益（稀释后） | $0.76 | $-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FSUNRPAY
| Q1 26 | $110.0M | — | ||
| Q4 25 | $110.2M | $78.6M | ||
| Q3 25 | $107.3M | $77.7M | ||
| Q2 25 | $105.6M | $75.6M | ||
| Q1 25 | $96.2M | $77.3M | ||
| Q4 24 | $98.7M | $78.3M | ||
| Q3 24 | $98.2M | $79.1M | ||
| Q2 24 | $96.2M | $74.9M |
净利润FSUNRPAY
| Q1 26 | $21.6M | — | ||
| Q4 25 | $24.8M | $-140.1M | ||
| Q3 25 | $23.2M | $-6.4M | ||
| Q2 25 | $26.4M | $-102.3M | ||
| Q1 25 | $23.6M | $-7.9M | ||
| Q4 24 | $16.4M | $-4.1M | ||
| Q3 24 | $22.4M | $3.2M | ||
| Q2 24 | $24.6M | $-4.1M |
毛利率FSUNRPAY
| 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FSUNRPAY
| Q1 26 | — | — | ||
| Q4 25 | 29.0% | -182.2% | ||
| Q3 25 | 26.4% | -3.9% | ||
| Q2 25 | 31.2% | -138.7% | ||
| Q1 25 | 30.9% | -4.7% | ||
| Q4 24 | 20.4% | -1.5% | ||
| Q3 24 | 29.1% | -0.9% | ||
| Q2 24 | 32.3% | -4.6% |
净利率FSUNRPAY
| Q1 26 | 19.6% | — | ||
| Q4 25 | 22.5% | -178.3% | ||
| Q3 25 | 21.6% | -8.3% | ||
| Q2 25 | 25.0% | -135.2% | ||
| Q1 25 | 24.5% | -10.3% | ||
| Q4 24 | 16.6% | -5.3% | ||
| Q3 24 | 22.8% | 4.1% | ||
| Q2 24 | 25.5% | -5.4% |
每股收益（稀释后）FSUNRPAY
| Q1 26 | $0.76 | — | ||
| Q4 25 | $0.89 | $-1.68 | ||
| Q3 25 | $0.82 | $-0.08 | ||
| Q2 25 | $0.93 | $-1.15 | ||
| Q1 25 | $0.83 | $-0.09 | ||
| Q4 24 | $0.57 | $-0.04 | ||
| Q3 24 | $0.79 | $0.03 | ||
| Q2 24 | $0.88 | $-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 | $413.7M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $1.2B | $484.4M |
| 总资产 | $8.6B | $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FSUNRPAY
| Q1 26 | $413.7M | — | ||
| Q4 25 | $652.6M | $115.7M | ||
| Q3 25 | $659.9M | $95.7M | ||
| Q2 25 | $785.1M | $162.6M | ||
| Q1 25 | $621.4M | $165.5M | ||
| Q4 24 | $615.9M | $189.5M | ||
| Q3 24 | $573.7M | $168.7M | ||
| Q2 24 | $535.8M | $147.1M |
总债务FSUNRPAY
| 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FSUNRPAY
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.2B | $484.4M | ||
| Q3 25 | $1.1B | $616.9M | ||
| Q2 25 | $1.1B | $633.7M | ||
| Q1 25 | $1.1B | $755.7M | ||
| Q4 24 | $1.0B | $761.3M | ||
| Q3 24 | $1.0B | $754.7M | ||
| Q2 24 | $996.6M | $815.4M |
总资产FSUNRPAY
| Q1 26 | $8.6B | — | ||
| Q4 25 | $8.5B | $1.2B | ||
| Q3 25 | $8.5B | $1.3B | ||
| Q2 25 | $8.4B | $1.4B | ||
| Q1 25 | $8.2B | $1.5B | ||
| Q4 24 | $8.1B | $1.6B | ||
| Q3 24 | $8.1B | $1.6B | ||
| Q2 24 | $8.0B | $1.5B |
负债/权益比FSUNRPAY
| 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FSUNRPAY
| Q1 26 | — | — | ||
| Q4 25 | $111.5M | $23.3M | ||
| Q3 25 | $49.4M | $32.2M | ||
| Q2 25 | $15.0M | $33.1M | ||
| Q1 25 | $26.4M | $2.5M | ||
| Q4 24 | $101.1M | $34.3M | ||
| Q3 24 | $48.1M | $60.1M | ||
| Q2 24 | $20.9M | $31.0M |
自由现金流FSUNRPAY
| Q1 26 | — | — | ||
| Q4 25 | $104.0M | $23.2M | ||
| Q3 25 | $47.6M | $32.1M | ||
| Q2 25 | $13.0M | $33.0M | ||
| Q1 25 | $24.3M | $2.4M | ||
| Q4 24 | $95.7M | $34.0M | ||
| Q3 24 | $47.1M | $59.8M | ||
| Q2 24 | $19.9M | $30.5M |
自由现金流率FSUNRPAY
| Q1 26 | — | — | ||
| Q4 25 | 94.3% | 29.6% | ||
| Q3 25 | 44.4% | 41.3% | ||
| Q2 25 | 12.3% | 43.6% | ||
| Q1 25 | 25.3% | 3.0% | ||
| Q4 24 | 97.0% | 43.5% | ||
| Q3 24 | 47.9% | 75.6% | ||
| Q2 24 | 20.6% | 40.7% |
资本支出强度FSUNRPAY
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 0.1% | ||
| Q3 25 | 1.6% | 0.2% | ||
| Q2 25 | 1.9% | 0.1% | ||
| Q1 25 | 2.1% | 0.2% | ||
| Q4 24 | 5.5% | 0.3% | ||
| Q3 24 | 1.1% | 0.3% | ||
| Q2 24 | 1.1% | 0.6% |
现金转化率FSUNRPAY
| Q1 26 | — | — | ||
| Q4 25 | 4.49× | — | ||
| Q3 25 | 2.13× | — | ||
| Q2 25 | 0.57× | — | ||
| Q1 25 | 1.12× | — | ||
| Q4 24 | 6.18× | — | ||
| Q3 24 | 2.15× | 18.52× | ||
| Q2 24 | 0.85× | — |
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
FSUN
| Net Interest Income | $82.8M | 75% |
| Noninterest Income | $27.2M | 25% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
