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GREAT SOUTHERN BANCORP, INC.（GSBC）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GREAT SOUTHERN BANCORP, INC.的1.4倍（$78.6M vs $56.4M），GREAT SOUTHERN BANCORP, INC.净利率更高（28.9% vs -178.3%，领先207.2%），Repay Holdings Corp同比增速更快（0.4% vs -0.2%），GREAT SOUTHERN BANCORP, INC.自由现金流更多（$70.1M vs $23.2M），过去两年GREAT SOUTHERN BANCORP, INC.的营收复合增速更高（4.5% vs -1.3%）
该企业是美国的多元化银行金融机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册。截至2025年，它是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，主营零售及企业银行业务、投资、抵押贷款等多元金融服务。
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。
GSBC vs RPAY — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $56.4M | $78.6M |
| 净利润 | $16.3M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 34.5% | -182.2% |
| 净利率 | 28.9% | -178.3% |
| 营收同比 | -0.2% | 0.4% |
| 净利润同比 | 9.1% | -3304.1% |
| 每股收益（稀释后） | $1.44 | $-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 | $56.4M | $78.6M | ||
| Q3 25 | $57.8M | $77.7M | ||
| Q2 25 | $59.2M | $75.6M | ||
| Q1 25 | $55.9M | $77.3M | ||
| Q4 24 | $56.5M | $78.3M | ||
| Q3 24 | $55.0M | $79.1M | ||
| Q2 24 | $56.7M | $74.9M | ||
| Q1 24 | $51.6M | $80.7M |
| Q4 25 | $16.3M | $-140.1M | ||
| Q3 25 | $17.8M | $-6.4M | ||
| Q2 25 | $19.8M | $-102.3M | ||
| Q1 25 | $17.2M | $-7.9M | ||
| Q4 24 | $14.9M | $-4.1M | ||
| Q3 24 | $16.5M | $3.2M | ||
| Q2 24 | $17.0M | $-4.1M | ||
| Q1 24 | $13.4M | $-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 | 34.5% | -182.2% | ||
| Q3 25 | 38.2% | -3.9% | ||
| Q2 25 | 41.0% | -138.7% | ||
| Q1 25 | 38.4% | -4.7% | ||
| Q4 24 | 31.8% | -1.5% | ||
| Q3 24 | 36.6% | -0.9% | ||
| Q2 24 | 36.8% | -4.6% | ||
| Q1 24 | 32.1% | -3.1% |
| Q4 25 | 28.9% | -178.3% | ||
| Q3 25 | 30.7% | -8.3% | ||
| Q2 25 | 33.4% | -135.2% | ||
| Q1 25 | 30.7% | -10.3% | ||
| Q4 24 | 26.4% | -5.3% | ||
| Q3 24 | 30.0% | 4.1% | ||
| Q2 24 | 30.0% | -5.4% | ||
| Q1 24 | 26.0% | -6.5% |
| Q4 25 | $1.44 | $-1.68 | ||
| Q3 25 | $1.56 | $-0.08 | ||
| Q2 25 | $1.72 | $-1.15 | ||
| Q1 25 | $1.47 | $-0.09 | ||
| Q4 24 | $1.27 | $-0.04 | ||
| Q3 24 | $1.41 | $0.03 | ||
| Q2 24 | $1.45 | $-0.04 | ||
| Q1 24 | $1.13 | $-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 | $189.6M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $636.1M | $484.4M |
| 总资产 | $5.6B | $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
| Q4 25 | $189.6M | $115.7M | ||
| Q3 25 | $196.2M | $95.7M | ||
| Q2 25 | $245.9M | $162.6M | ||
| Q1 25 | $217.2M | $165.5M | ||
| Q4 24 | $195.8M | $189.5M | ||
| Q3 24 | $208.4M | $168.7M | ||
| Q2 24 | $186.5M | $147.1M | ||
| Q1 24 | $171.4M | $128.3M |
| 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 | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $636.1M | $484.4M | ||
| Q3 25 | $632.9M | $616.9M | ||
| Q2 25 | $622.4M | $633.7M | ||
| Q1 25 | $613.3M | $755.7M | ||
| Q4 24 | $599.6M | $761.3M | ||
| Q3 24 | $612.1M | $754.7M | ||
| Q2 24 | $568.8M | $815.4M | ||
| Q1 24 | $565.2M | $813.8M |
| Q4 25 | $5.6B | $1.2B | ||
| Q3 25 | $5.7B | $1.3B | ||
| Q2 25 | $5.9B | $1.4B | ||
| Q1 25 | $6.0B | $1.5B | ||
| Q4 24 | $6.0B | $1.6B | ||
| Q3 24 | $6.0B | $1.6B | ||
| Q2 24 | $6.0B | $1.5B | ||
| Q1 24 | $5.8B | $1.5B |
| 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× | ||
| 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 | $81.5M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $70.1M | $23.2M |
| 自由现金流率自由现金流/营收 | 124.3% | 29.6% |
| 资本支出强度资本支出/营收 | 20.3% | 0.1% |
| 现金转化率经营现金流/净利润 | 5.01× | — |
| 过去12个月自由现金流最近4个季度 | $121.9M | $90.7M |
8季度趋势，按日历期对齐
| Q4 25 | $81.5M | $23.3M | ||
| Q3 25 | $5.6M | $32.2M | ||
| Q2 25 | $39.3M | $33.1M | ||
| Q1 25 | $15.0M | $2.5M | ||
| Q4 24 | $44.1M | $34.3M | ||
| Q3 24 | $17.7M | $60.1M | ||
| Q2 24 | $43.5M | $31.0M | ||
| Q1 24 | $-26.9M | $24.8M |
| Q4 25 | $70.1M | $23.2M | ||
| Q3 25 | $3.9M | $32.1M | ||
| Q2 25 | $34.9M | $33.0M | ||
| Q1 25 | $13.1M | $2.4M | ||
| Q4 24 | $39.1M | $34.0M | ||
| Q3 24 | $16.5M | $59.8M | ||
| Q2 24 | $42.0M | $30.5M | ||
| Q1 24 | $-27.7M | $24.7M |
| Q4 25 | 124.3% | 29.6% | ||
| Q3 25 | 6.7% | 41.3% | ||
| Q2 25 | 59.0% | 43.6% | ||
| Q1 25 | 23.4% | 3.0% | ||
| Q4 24 | 69.3% | 43.5% | ||
| Q3 24 | 30.1% | 75.6% | ||
| Q2 24 | 74.1% | 40.7% | ||
| Q1 24 | -53.7% | 30.6% |
| Q4 25 | 20.3% | 0.1% | ||
| Q3 25 | 3.0% | 0.2% | ||
| Q2 25 | 7.4% | 0.1% | ||
| Q1 25 | 3.5% | 0.2% | ||
| Q4 24 | 8.7% | 0.3% | ||
| Q3 24 | 2.1% | 0.3% | ||
| Q2 24 | 2.7% | 0.6% | ||
| Q1 24 | 1.6% | 0.1% |
| Q4 25 | 5.01× | — | ||
| Q3 25 | 0.31× | — | ||
| Q2 25 | 1.99× | — | ||
| Q1 25 | 0.87× | — | ||
| Q4 24 | 2.95× | — | ||
| Q3 24 | 1.07× | 18.52× | ||
| Q2 24 | 2.56× | — | ||
| Q1 24 | -2.01× | — |
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
GSBC
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% |
