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Hour Loop, Inc（HOUR）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Hour Loop, Inc的1.4倍（$78.6M vs $56.1M），Hour Loop, Inc净利率更高（-1.2% vs -178.3%，领先177.1%），Hour Loop, Inc同比增速更快（3.0% vs 0.4%），Repay Holdings Corp自由现金流更多（$23.2M vs $3.0M），过去两年Hour Loop, Inc的营收复合增速更高（50.7% vs -1.3%）
Hour Loop Inc.是一家电商零售企业，主营家居用品、服饰、玩具、电子配件及日常消费必需品，主要依托第三方主流线上平台开展业务，核心客群集中在北美地区，专注为大众消费者提供高性价比的日常商品。
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。
HOUR vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.4倍
$56.1M
营收增速更快
HOUR
高出2.6%
0.4%
净利率更高
HOUR
高出177.1%
-178.3%
自由现金流更多
RPAY
多$20.2M
$3.0M
两年增速更快
HOUR
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $56.1M | $78.6M |
| 净利润 | $-657.3K | $-140.1M |
| 毛利率 | 49.6% | 74.2% |
| 营业利润率 | -1.5% | -182.2% |
| 净利率 | -1.2% | -178.3% |
| 营收同比 | 3.0% | 0.4% |
| 净利润同比 | 57.0% | -3304.1% |
| 每股收益（稀释后） | $-0.02 | $-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HOURRPAY
| Q4 25 | $56.1M | $78.6M | ||
| Q3 25 | $33.4M | $77.7M | ||
| Q2 25 | $27.1M | $75.6M | ||
| Q1 25 | $25.8M | $77.3M | ||
| Q4 24 | $54.4M | $78.3M | ||
| Q3 24 | $31.1M | $79.1M | ||
| Q2 24 | $28.1M | $74.9M | ||
| Q1 24 | $24.7M | $80.7M |
净利润HOURRPAY
| Q4 25 | $-657.3K | $-140.1M | ||
| Q3 25 | $530.6K | $-6.4M | ||
| Q2 25 | $1.2M | $-102.3M | ||
| Q1 25 | $654.5K | $-7.9M | ||
| Q4 24 | $-1.5M | $-4.1M | ||
| Q3 24 | $469.6K | $3.2M | ||
| Q2 24 | $649.1K | $-4.1M | ||
| Q1 24 | $1.1M | $-5.2M |
毛利率HOURRPAY
| Q4 25 | 49.6% | 74.2% | ||
| Q3 25 | 51.4% | 74.4% | ||
| Q2 25 | 57.2% | 75.7% | ||
| Q1 25 | 54.7% | 75.9% | ||
| Q4 24 | 45.7% | 76.3% | ||
| Q3 24 | 54.8% | 77.8% | ||
| Q2 24 | 55.7% | 78.2% | ||
| Q1 24 | 58.6% | 76.2% |
营业利润率HOURRPAY
| Q4 25 | -1.5% | -182.2% | ||
| Q3 25 | 2.2% | -3.9% | ||
| Q2 25 | 6.0% | -138.7% | ||
| Q1 25 | 3.6% | -4.7% | ||
| Q4 24 | -4.5% | -1.5% | ||
| Q3 24 | 2.3% | -0.9% | ||
| Q2 24 | 3.3% | -4.6% | ||
| Q1 24 | 6.2% | -3.1% |
净利率HOURRPAY
| Q4 25 | -1.2% | -178.3% | ||
| Q3 25 | 1.6% | -8.3% | ||
| Q2 25 | 4.3% | -135.2% | ||
| Q1 25 | 2.5% | -10.3% | ||
| Q4 24 | -2.8% | -5.3% | ||
| Q3 24 | 1.5% | 4.1% | ||
| Q2 24 | 2.3% | -5.4% | ||
| Q1 24 | 4.3% | -6.5% |
每股收益（稀释后）HOURRPAY
| Q4 25 | $-0.02 | $-1.68 | ||
| Q3 25 | $0.01 | $-0.08 | ||
| Q2 25 | $0.04 | $-1.15 | ||
| Q1 25 | $0.02 | $-0.09 | ||
| Q4 24 | $-0.04 | $-0.04 | ||
| Q3 24 | $0.01 | $0.03 | ||
| Q2 24 | $0.02 | $-0.04 | ||
| Q1 24 | $0.03 | $-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 | — | $280.1M |
| 股东权益账面价值 | $7.0M | $484.4M |
| 总资产 | $23.8M | $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HOURRPAY
| 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 | $2.9M | $128.3M |
总债务HOURRPAY
| 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 |
股东权益HOURRPAY
| Q4 25 | $7.0M | $484.4M | ||
| Q3 25 | $7.7M | $616.9M | ||
| Q2 25 | $7.2M | $633.7M | ||
| Q1 25 | $5.8M | $755.7M | ||
| Q4 24 | $5.2M | $761.3M | ||
| Q3 24 | $6.7M | $754.7M | ||
| Q2 24 | $6.2M | $815.4M | ||
| Q1 24 | $5.5M | $813.8M |
总资产HOURRPAY
| Q4 25 | $23.8M | $1.2B | ||
| Q3 25 | $31.6M | $1.3B | ||
| Q2 25 | $23.0M | $1.4B | ||
| Q1 25 | $19.1M | $1.5B | ||
| Q4 24 | $20.0M | $1.6B | ||
| Q3 24 | $32.4M | $1.6B | ||
| Q2 24 | $20.2M | $1.5B | ||
| Q1 24 | $16.7M | $1.5B |
负债/权益比HOURRPAY
| 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 | $3.0M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $3.0M | $23.2M |
| 自由现金流率自由现金流/营收 | 5.3% | 29.6% |
| 资本支出强度资本支出/营收 | 0.0% | 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 | $2.5M | $90.7M |
8季度趋势，按日历期对齐
经营现金流HOURRPAY
| Q4 25 | $3.0M | $23.3M | ||
| Q3 25 | $500.4K | $32.2M | ||
| Q2 25 | $-901.5K | $33.1M | ||
| Q1 25 | $-23.9K | $2.5M | ||
| Q4 24 | $1.5M | $34.3M | ||
| Q3 24 | $-2.2M | $60.1M | ||
| Q2 24 | $456.2K | $31.0M | ||
| Q1 24 | $492.9K | $24.8M |
自由现金流HOURRPAY
| Q4 25 | $3.0M | $23.2M | ||
| Q3 25 | $449.3K | $32.1M | ||
| Q2 25 | $-901.6K | $33.0M | ||
| Q1 25 | $-24.6K | $2.4M | ||
| Q4 24 | $1.5M | $34.0M | ||
| Q3 24 | $-2.2M | $59.8M | ||
| Q2 24 | $439.4K | $30.5M | ||
| Q1 24 | $475.1K | $24.7M |
自由现金流率HOURRPAY
| Q4 25 | 5.3% | 29.6% | ||
| Q3 25 | 1.3% | 41.3% | ||
| Q2 25 | -3.3% | 43.6% | ||
| Q1 25 | -0.1% | 3.0% | ||
| Q4 24 | 2.8% | 43.5% | ||
| Q3 24 | -7.0% | 75.6% | ||
| Q2 24 | 1.6% | 40.7% | ||
| Q1 24 | 1.9% | 30.6% |
资本支出强度HOURRPAY
| Q4 25 | 0.0% | 0.1% | ||
| Q3 25 | 0.2% | 0.2% | ||
| Q2 25 | 0.0% | 0.1% | ||
| Q1 25 | 0.0% | 0.2% | ||
| Q4 24 | 0.0% | 0.3% | ||
| Q3 24 | 0.0% | 0.3% | ||
| Q2 24 | 0.1% | 0.6% | ||
| Q1 24 | 0.1% | 0.1% |
现金转化率HOURRPAY
| Q4 25 | — | — | ||
| Q3 25 | 0.94× | — | ||
| Q2 25 | -0.77× | — | ||
| Q1 25 | -0.04× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -4.64× | 18.52× | ||
| Q2 24 | 0.70× | — | ||
| Q1 24 | 0.46× | — |
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
HOUR
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% |
