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GERMAN AMERICAN BANCORP, INC.（GABC）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
GERMAN AMERICAN BANCORP, INC.的季度营收约是Repay Holdings Corp的1.6倍（$126.7M vs $78.6M），GERMAN AMERICAN BANCORP, INC.净利率更高（28.2% vs -178.3%，领先206.5%），GERMAN AMERICAN BANCORP, INC.同比增速更快（39.7% vs 0.4%），GERMAN AMERICAN BANCORP, INC.自由现金流更多（$154.0M vs $23.2M），过去两年GERMAN AMERICAN BANCORP, INC.的营收复合增速更高（22.7% vs -1.3%）
German American Bancorp, Inc.（股票代码：GABC）是一家美国的银行控股企业，专注于提供多元金融服务，核心业务涵盖支付卡相关服务，总部位于纽约曼哈顿下城的巴特利公园城，在金融服务领域拥有成熟的业务布局。
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。
GABC vs RPAY — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $126.7M | $78.6M |
| 净利润 | $35.7M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 34.6% | -182.2% |
| 净利率 | 28.2% | -178.3% |
| 营收同比 | 39.7% | 0.4% |
| 净利润同比 | 53.7% | -3304.1% |
| 每股收益（稀释后） | $0.98 | $-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 | $126.7M | $78.6M | ||
| Q3 25 | $126.5M | $77.7M | ||
| Q2 25 | $123.2M | $75.6M | ||
| Q1 25 | $111.1M | $77.3M | ||
| Q4 24 | $90.7M | $78.3M | ||
| Q3 24 | $88.5M | $79.1M | ||
| Q2 24 | $90.5M | $74.9M | ||
| Q1 24 | $84.1M | $80.7M |
| Q4 25 | $35.7M | $-140.1M | ||
| Q3 25 | $35.1M | $-6.4M | ||
| Q2 25 | $31.4M | $-102.3M | ||
| Q1 25 | $10.5M | $-7.9M | ||
| Q4 24 | $23.2M | $-4.1M | ||
| Q3 24 | $21.0M | $3.2M | ||
| Q2 24 | $20.5M | $-4.1M | ||
| Q1 24 | $19.0M | $-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 | 34.6% | -182.2% | ||
| Q3 25 | 34.6% | -3.9% | ||
| Q2 25 | 31.8% | -138.7% | ||
| Q1 25 | 12.0% | -4.7% | ||
| Q4 24 | 31.6% | -1.5% | ||
| Q3 24 | 29.0% | -0.9% | ||
| Q2 24 | 29.4% | -4.6% | ||
| Q1 24 | 27.6% | -3.1% |
| Q4 25 | 28.2% | -178.3% | ||
| Q3 25 | 27.7% | -8.3% | ||
| Q2 25 | 25.5% | -135.2% | ||
| Q1 25 | 9.5% | -10.3% | ||
| Q4 24 | 25.6% | -5.3% | ||
| Q3 24 | 23.8% | 4.1% | ||
| Q2 24 | 22.7% | -5.4% | ||
| Q1 24 | 22.6% | -6.5% |
| Q4 25 | $0.98 | $-1.68 | ||
| Q3 25 | $0.94 | $-0.08 | ||
| Q2 25 | $0.84 | $-1.15 | ||
| Q1 25 | $0.30 | $-0.09 | ||
| Q4 24 | $0.79 | $-0.04 | ||
| Q3 24 | $0.71 | $0.03 | ||
| Q2 24 | $0.69 | $-0.04 | ||
| Q1 24 | $0.64 | $-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 | — | $115.7M |
| 总债务越低越好 | $100.0M | $280.1M |
| 股东权益账面价值 | $1.2B | $484.4M |
| 总资产 | $8.4B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.09× | 0.58× |
8季度趋势，按日历期对齐
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | $100.0M | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | $114.6M | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $1.2B | $484.4M | ||
| Q3 25 | $1.1B | $616.9M | ||
| Q2 25 | $1.1B | $633.7M | ||
| Q1 25 | $1.0B | $755.7M | ||
| Q4 24 | $715.1M | $761.3M | ||
| Q3 24 | $744.6M | $754.7M | ||
| Q2 24 | $687.8M | $815.4M | ||
| Q1 24 | $655.3M | $813.8M |
| Q4 25 | $8.4B | $1.2B | ||
| Q3 25 | $8.4B | $1.3B | ||
| Q2 25 | $8.3B | $1.4B | ||
| Q1 25 | $8.4B | $1.5B | ||
| Q4 24 | $6.3B | $1.6B | ||
| Q3 24 | $6.3B | $1.6B | ||
| Q2 24 | $6.2B | $1.5B | ||
| Q1 24 | $6.1B | $1.5B |
| Q4 25 | 0.09× | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 0.16× | 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 | $159.3M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $154.0M | $23.2M |
| 自由现金流率自由现金流/营收 | 121.6% | 29.6% |
| 资本支出强度资本支出/营收 | 4.2% | 0.1% |
| 现金转化率经营现金流/净利润 | 4.46× | — |
| 过去12个月自由现金流最近4个季度 | $267.0M | $90.7M |
8季度趋势，按日历期对齐
| Q4 25 | $159.3M | $23.3M | ||
| Q3 25 | $51.8M | $32.2M | ||
| Q2 25 | $26.9M | $33.1M | ||
| Q1 25 | $37.9M | $2.5M | ||
| Q4 24 | $95.8M | $34.3M | ||
| Q3 24 | $24.5M | $60.1M | ||
| Q2 24 | $18.7M | $31.0M | ||
| Q1 24 | $23.9M | $24.8M |
| Q4 25 | $154.0M | $23.2M | ||
| Q3 25 | $50.1M | $32.1M | ||
| Q2 25 | $26.2M | $33.0M | ||
| Q1 25 | $36.7M | $2.4M | ||
| Q4 24 | $90.7M | $34.0M | ||
| Q3 24 | $23.0M | $59.8M | ||
| Q2 24 | $17.0M | $30.5M | ||
| Q1 24 | $22.6M | $24.7M |
| Q4 25 | 121.6% | 29.6% | ||
| Q3 25 | 39.6% | 41.3% | ||
| Q2 25 | 21.2% | 43.6% | ||
| Q1 25 | 33.0% | 3.0% | ||
| Q4 24 | 100.1% | 43.5% | ||
| Q3 24 | 26.0% | 75.6% | ||
| Q2 24 | 18.8% | 40.7% | ||
| Q1 24 | 26.9% | 30.6% |
| Q4 25 | 4.2% | 0.1% | ||
| Q3 25 | 1.3% | 0.2% | ||
| Q2 25 | 0.6% | 0.1% | ||
| Q1 25 | 1.1% | 0.2% | ||
| Q4 24 | 5.6% | 0.3% | ||
| Q3 24 | 1.7% | 0.3% | ||
| Q2 24 | 1.8% | 0.6% | ||
| Q1 24 | 1.5% | 0.1% |
| Q4 25 | 4.46× | — | ||
| Q3 25 | 1.48× | — | ||
| Q2 25 | 0.86× | — | ||
| Q1 25 | 3.61× | — | ||
| Q4 24 | 4.13× | — | ||
| Q3 24 | 1.16× | 18.52× | ||
| Q2 24 | 0.91× | — | ||
| Q1 24 | 1.25× | — |
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
GABC
暂无分部数据
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
