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Goosehead Insurance, Inc.（GSHD）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
Goosehead Insurance, Inc.的季度营收约是Repay Holdings Corp的1.2倍（$93.1M vs $78.6M），Goosehead Insurance, Inc.净利率更高（8.6% vs -178.3%，领先186.9%），Goosehead Insurance, Inc.同比增速更快（23.1% vs 0.4%），过去两年Goosehead Insurance, Inc.的营收复合增速更高（9.2% vs -1.3%）
Goosehead Insurance是一家总部位于美国的个人保险代理机构，提供汽车、房屋、租客、洪水等多类保险产品，与数百家保险商合作，为客户定制高性价比的保障方案，同时通过自营网点和全国特许加盟网络开展业务。
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。
GSHD vs RPAY — 直观对比
营收规模更大
GSHD
是对方的1.2倍
$78.6M
营收增速更快
GSHD
高出22.7%
0.4%
净利率更高
GSHD
高出186.9%
-178.3%
两年增速更快
GSHD
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $93.1M | $78.6M |
| 净利润 | $8.0M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 16.1% | -182.2% |
| 净利率 | 8.6% | -178.3% |
| 营收同比 | 23.1% | 0.4% |
| 净利润同比 | 204.0% | -3304.1% |
| 每股收益（稀释后） | $0.19 | $-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GSHDRPAY
| Q1 26 | $93.1M | — | ||
| Q4 25 | $105.3M | $78.6M | ||
| Q3 25 | $90.4M | $77.7M | ||
| Q2 25 | $94.0M | $75.6M | ||
| Q1 25 | $75.6M | $77.3M | ||
| Q4 24 | $93.9M | $78.3M | ||
| Q3 24 | $78.0M | $79.1M | ||
| Q2 24 | $78.1M | $74.9M |
净利润GSHDRPAY
| Q1 26 | $8.0M | — | ||
| Q4 25 | $12.4M | $-140.1M | ||
| Q3 25 | $7.9M | $-6.4M | ||
| Q2 25 | $5.2M | $-102.3M | ||
| Q1 25 | $2.3M | $-7.9M | ||
| Q4 24 | $14.9M | $-4.1M | ||
| Q3 24 | $7.6M | $3.2M | ||
| Q2 24 | $6.2M | $-4.1M |
毛利率GSHDRPAY
| 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GSHDRPAY
| Q1 26 | 16.1% | — | ||
| Q4 25 | 29.4% | -182.2% | ||
| Q3 25 | 23.5% | -3.9% | ||
| Q2 25 | 16.7% | -138.7% | ||
| Q1 25 | 8.8% | -4.7% | ||
| Q4 24 | 29.7% | -1.5% | ||
| Q3 24 | 21.1% | -0.9% | ||
| Q2 24 | 19.7% | -4.6% |
净利率GSHDRPAY
| Q1 26 | 8.6% | — | ||
| Q4 25 | 11.8% | -178.3% | ||
| Q3 25 | 8.7% | -8.3% | ||
| Q2 25 | 5.5% | -135.2% | ||
| Q1 25 | 3.1% | -10.3% | ||
| Q4 24 | 15.8% | -5.3% | ||
| Q3 24 | 9.7% | 4.1% | ||
| Q2 24 | 7.9% | -5.4% |
每股收益（稀释后）GSHDRPAY
| Q1 26 | $0.19 | — | ||
| Q4 25 | $0.48 | $-1.68 | ||
| Q3 25 | $0.29 | $-0.08 | ||
| Q2 25 | $0.18 | $-1.15 | ||
| Q1 25 | $0.09 | $-0.09 | ||
| Q4 24 | $0.58 | $-0.04 | ||
| Q3 24 | $0.29 | $0.03 | ||
| Q2 24 | $0.24 | $-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 | $25.7M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $-121.3M | $484.4M |
| 总资产 | $392.8M | $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GSHDRPAY
| Q1 26 | $25.7M | — | ||
| Q4 25 | $34.4M | $115.7M | ||
| Q3 25 | $51.6M | $95.7M | ||
| Q2 25 | $92.4M | $162.6M | ||
| Q1 25 | $70.2M | $165.5M | ||
| Q4 24 | $54.3M | $189.5M | ||
| Q3 24 | $47.5M | $168.7M | ||
| Q2 24 | $23.6M | $147.1M |
总债务GSHDRPAY
| Q1 26 | — | — | ||
| Q4 25 | $289.5M | $280.1M | ||
| Q3 25 | $290.0M | $279.5M | ||
| Q2 25 | $289.8M | $279.0M | ||
| Q1 25 | $290.3M | $497.6M | ||
| Q4 24 | $82.3M | $496.8M | ||
| Q3 24 | $84.6M | $496.2M | ||
| Q2 24 | $87.0M | $435.6M |
股东权益GSHDRPAY
| Q1 26 | $-121.3M | — | ||
| Q4 25 | $-95.5M | $484.4M | ||
| Q3 25 | $-105.0M | $616.9M | ||
| Q2 25 | $-78.6M | $633.7M | ||
| Q1 25 | $-88.5M | $755.7M | ||
| Q4 24 | $43.9M | $761.3M | ||
| Q3 24 | $58.3M | $754.7M | ||
| Q2 24 | $39.8M | $815.4M |
总资产GSHDRPAY
| Q1 26 | $392.8M | — | ||
| Q4 25 | $414.9M | $1.2B | ||
| Q3 25 | $403.6M | $1.3B | ||
| Q2 25 | $436.6M | $1.4B | ||
| Q1 25 | $412.6M | $1.5B | ||
| Q4 24 | $397.7M | $1.6B | ||
| Q3 24 | $358.1M | $1.6B | ||
| Q2 24 | $338.2M | $1.5B |
负债/权益比GSHDRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 1.87× | 0.65× | ||
| Q3 24 | 1.45× | 0.66× | ||
| Q2 24 | 2.19× | 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GSHDRPAY
| Q1 26 | — | — | ||
| Q4 25 | $91.8M | $23.3M | ||
| Q3 25 | $24.2M | $32.2M | ||
| Q2 25 | $28.9M | $33.1M | ||
| Q1 25 | $15.5M | $2.5M | ||
| Q4 24 | $71.5M | $34.3M | ||
| Q3 24 | $28.1M | $60.1M | ||
| Q2 24 | $18.9M | $31.0M |
自由现金流GSHDRPAY
| Q1 26 | — | — | ||
| Q4 25 | $86.1M | $23.2M | ||
| Q3 25 | $23.7M | $32.1M | ||
| Q2 25 | $27.2M | $33.0M | ||
| Q1 25 | $14.9M | $2.4M | ||
| Q4 24 | $70.6M | $34.0M | ||
| Q3 24 | $28.0M | $59.8M | ||
| Q2 24 | $18.6M | $30.5M |
自由现金流率GSHDRPAY
| Q1 26 | — | — | ||
| Q4 25 | 81.8% | 29.6% | ||
| Q3 25 | 26.2% | 41.3% | ||
| Q2 25 | 28.9% | 43.6% | ||
| Q1 25 | 19.7% | 3.0% | ||
| Q4 24 | 75.1% | 43.5% | ||
| Q3 24 | 35.9% | 75.6% | ||
| Q2 24 | 23.9% | 40.7% |
资本支出强度GSHDRPAY
| Q1 26 | — | — | ||
| Q4 25 | 5.4% | 0.1% | ||
| Q3 25 | 0.5% | 0.2% | ||
| Q2 25 | 1.8% | 0.1% | ||
| Q1 25 | 0.8% | 0.2% | ||
| Q4 24 | 1.0% | 0.3% | ||
| Q3 24 | 0.1% | 0.3% | ||
| Q2 24 | 0.3% | 0.6% |
现金转化率GSHDRPAY
| Q1 26 | — | — | ||
| Q4 25 | 7.38× | — | ||
| Q3 25 | 3.06× | — | ||
| Q2 25 | 5.61× | — | ||
| Q1 25 | 6.61× | — | ||
| Q4 24 | 4.82× | — | ||
| Q3 24 | 3.72× | 18.52× | ||
| Q2 24 | 3.05× | — |
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
GSHD
| Renewal Royalty Fees (2) | $43.6M | 47% |
| Renewal Commissions (1) | $18.2M | 20% |
| Contingent Commissions (1) | $10.7M | 11% |
| New Business Royalty Fees (2) | $7.9M | 8% |
| New Business Commissions (1) | $7.5M | 8% |
| Other | $3.7M | 4% |
| Initial Franchise Fees (2) | $1.6M | 2% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
