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HOPE BANCORP INC（HOPE）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
HOPE BANCORP INC的季度营收约是Repay Holdings Corp的1.8倍（$141.0M vs $78.6M），HOPE BANCORP INC净利率更高（20.9% vs -178.3%，领先199.2%），HOPE BANCORP INC同比增速更快（21.0% vs 0.4%），过去两年HOPE BANCORP INC的营收复合增速更高（9.8% vs -1.3%）
希望银行（Bank of Hope）是总部位于美国洛杉矶的银行机构，前身为1980年12月30日成立的威尔希尔银行，核心服务群体为韩裔美国人社区，在当地族裔金融服务领域拥有长期的运营经验。
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。
HOPE vs RPAY — 直观对比
营收规模更大
HOPE
是对方的1.8倍
$78.6M
营收增速更快
HOPE
高出20.6%
0.4%
净利率更高
HOPE
高出199.2%
-178.3%
两年增速更快
HOPE
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $141.0M | $78.6M |
| 净利润 | $29.5M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 20.9% | -178.3% |
| 营收同比 | 21.0% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $0.23 | $-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HOPERPAY
| Q1 26 | $141.0M | — | ||
| Q4 25 | $145.8M | $78.6M | ||
| Q3 25 | $141.9M | $77.7M | ||
| Q2 25 | $94.5M | $75.6M | ||
| Q1 25 | $116.5M | $77.3M | ||
| Q4 24 | $118.0M | $78.3M | ||
| Q3 24 | $116.6M | $79.1M | ||
| Q2 24 | $116.9M | $74.9M |
净利润HOPERPAY
| Q1 26 | $29.5M | — | ||
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $30.8M | $-6.4M | ||
| Q2 25 | $-24.8M | $-102.3M | ||
| Q1 25 | $21.1M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $24.2M | $3.2M | ||
| Q2 24 | $25.3M | $-4.1M |
毛利率HOPERPAY
| 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HOPERPAY
| Q1 26 | — | — | ||
| Q4 25 | 26.8% | -182.2% | ||
| Q3 25 | 25.6% | -3.9% | ||
| Q2 25 | -27.6% | -138.7% | ||
| Q1 25 | 23.9% | -4.7% | ||
| Q4 24 | 25.8% | -1.5% | ||
| Q3 24 | 27.5% | -0.9% | ||
| Q2 24 | 29.5% | -4.6% |
净利率HOPERPAY
| Q1 26 | 20.9% | — | ||
| Q4 25 | — | -178.3% | ||
| Q3 25 | 21.7% | -8.3% | ||
| Q2 25 | -26.2% | -135.2% | ||
| Q1 25 | 18.1% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 20.7% | 4.1% | ||
| Q2 24 | 21.6% | -5.4% |
每股收益（稀释后）HOPERPAY
| Q1 26 | $0.23 | — | ||
| Q4 25 | $0.27 | $-1.68 | ||
| Q3 25 | $0.24 | $-0.08 | ||
| Q2 25 | $-0.19 | $-1.15 | ||
| Q1 25 | $0.17 | $-0.09 | ||
| Q4 24 | $0.20 | $-0.04 | ||
| Q3 24 | $0.20 | $0.03 | ||
| Q2 24 | $0.21 | $-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 | — | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $2.3B | $484.4M |
| 总资产 | $18.7B | $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HOPERPAY
| Q1 26 | — | — | ||
| 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 |
总债务HOPERPAY
| 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HOPERPAY
| Q1 26 | $2.3B | — | ||
| Q4 25 | $2.3B | $484.4M | ||
| Q3 25 | $2.3B | $616.9M | ||
| Q2 25 | $2.2B | $633.7M | ||
| Q1 25 | $2.2B | $755.7M | ||
| Q4 24 | $2.1B | $761.3M | ||
| Q3 24 | $2.2B | $754.7M | ||
| Q2 24 | $2.1B | $815.4M |
总资产HOPERPAY
| Q1 26 | $18.7B | — | ||
| Q4 25 | $18.5B | $1.2B | ||
| Q3 25 | $18.5B | $1.3B | ||
| Q2 25 | $18.5B | $1.4B | ||
| Q1 25 | $17.1B | $1.5B | ||
| Q4 24 | $17.1B | $1.6B | ||
| Q3 24 | $17.4B | $1.6B | ||
| Q2 24 | $17.4B | $1.5B |
负债/权益比HOPERPAY
| 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HOPERPAY
| Q1 26 | — | — | ||
| Q4 25 | $164.5M | $23.3M | ||
| Q3 25 | $51.7M | $32.2M | ||
| Q2 25 | $9.4M | $33.1M | ||
| Q1 25 | $26.7M | $2.5M | ||
| Q4 24 | $116.7M | $34.3M | ||
| Q3 24 | $63.0M | $60.1M | ||
| Q2 24 | $-25.6M | $31.0M |
自由现金流HOPERPAY
| Q1 26 | — | — | ||
| Q4 25 | $151.5M | $23.2M | ||
| Q3 25 | $47.2M | $32.1M | ||
| Q2 25 | $6.9M | $33.0M | ||
| Q1 25 | $24.0M | $2.4M | ||
| Q4 24 | $106.9M | $34.0M | ||
| Q3 24 | $60.1M | $59.8M | ||
| Q2 24 | $-28.1M | $30.5M |
自由现金流率HOPERPAY
| Q1 26 | — | — | ||
| Q4 25 | 103.9% | 29.6% | ||
| Q3 25 | 33.2% | 41.3% | ||
| Q2 25 | 7.3% | 43.6% | ||
| Q1 25 | 20.6% | 3.0% | ||
| Q4 24 | 90.6% | 43.5% | ||
| Q3 24 | 51.6% | 75.6% | ||
| Q2 24 | -24.0% | 40.7% |
资本支出强度HOPERPAY
| Q1 26 | — | — | ||
| Q4 25 | 9.0% | 0.1% | ||
| Q3 25 | 3.2% | 0.2% | ||
| Q2 25 | 2.6% | 0.1% | ||
| Q1 25 | 2.3% | 0.2% | ||
| Q4 24 | 8.3% | 0.3% | ||
| Q3 24 | 2.5% | 0.3% | ||
| Q2 24 | 2.2% | 0.6% |
现金转化率HOPERPAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.68× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 1.26× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.61× | 18.52× | ||
| Q2 24 | -1.01× | — |
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
HOPE
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% |
