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HomeTrust Bancshares, Inc.（HTB）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HomeTrust Bancshares, Inc.的1.5倍（$78.6M vs $53.6M），HomeTrust Bancshares, Inc.同比增速更快（3.7% vs 0.4%），HomeTrust Bancshares, Inc.自由现金流更多（$45.3M vs $23.2M），过去两年HomeTrust Bancshares, Inc.的营收复合增速更高（3.5% vs -1.3%）
HomeTrust Bancshares, Inc.是总部位于美国北卡罗来纳州阿什维尔的银行控股公司，总资产达43亿美元，在北卡、南卡、佐治亚和田纳西州共设有33家网点，旗下拥有HomeTrust银行、Tryon联邦银行等七家社区银行。
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。
HTB vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.5倍
$53.6M
营收增速更快
HTB
高出3.3%
0.4%
自由现金流更多
HTB
多$22.1M
$23.2M
两年增速更快
HTB
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $53.6M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 37.0% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | 3.7% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $0.93 | $-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HTBRPAY
| Q4 25 | $53.6M | $78.6M | ||
| Q3 25 | $54.1M | $77.7M | ||
| Q2 25 | $54.4M | $75.6M | ||
| Q1 25 | $50.9M | $77.3M | ||
| Q4 24 | $51.7M | $78.3M | ||
| Q3 24 | $50.6M | $79.1M | ||
| Q2 24 | $50.6M | $74.9M | ||
| Q1 24 | $50.0M | $80.7M |
净利润HTBRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $16.5M | $-6.4M | ||
| Q2 25 | $17.2M | $-102.3M | ||
| Q1 25 | $14.5M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $13.1M | $3.2M | ||
| Q2 24 | $12.4M | $-4.1M | ||
| Q1 24 | $15.1M | $-5.2M |
毛利率HTBRPAY
| 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% |
营业利润率HTBRPAY
| Q4 25 | 37.0% | -182.2% | ||
| Q3 25 | 38.5% | -3.9% | ||
| Q2 25 | 40.1% | -138.7% | ||
| Q1 25 | 36.2% | -4.7% | ||
| Q4 24 | 35.4% | -1.5% | ||
| Q3 24 | 33.2% | -0.9% | ||
| Q2 24 | 31.3% | -4.6% | ||
| Q1 24 | 38.0% | -3.1% |
净利率HTBRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 30.5% | -8.3% | ||
| Q2 25 | 31.6% | -135.2% | ||
| Q1 25 | 28.5% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 25.9% | 4.1% | ||
| Q2 24 | 24.6% | -5.4% | ||
| Q1 24 | 30.1% | -6.5% |
每股收益（稀释后）HTBRPAY
| Q4 25 | $0.93 | $-1.68 | ||
| Q3 25 | $0.95 | $-0.08 | ||
| Q2 25 | $1.00 | $-1.15 | ||
| Q1 25 | $0.84 | $-0.09 | ||
| Q4 24 | $0.83 | $-0.04 | ||
| Q3 24 | $0.76 | $0.03 | ||
| Q2 24 | $0.73 | $-0.04 | ||
| Q1 24 | $0.88 | $-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 | $324.7M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $600.7M | $484.4M |
| 总资产 | $4.5B | $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HTBRPAY
| Q4 25 | $324.7M | $115.7M | ||
| Q3 25 | $315.8M | $95.7M | ||
| Q2 25 | $297.2M | $162.6M | ||
| Q1 25 | $299.8M | $165.5M | ||
| Q4 24 | $279.2M | $189.5M | ||
| Q3 24 | $293.5M | $168.7M | ||
| Q2 24 | $294.2M | $147.1M | ||
| Q1 24 | $380.5M | $128.3M |
总债务HTBRPAY
| 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HTBRPAY
| Q4 25 | $600.7M | $484.4M | ||
| Q3 25 | $595.8M | $616.9M | ||
| Q2 25 | $579.3M | $633.7M | ||
| Q1 25 | $565.4M | $755.7M | ||
| Q4 24 | $551.8M | $761.3M | ||
| Q3 24 | $540.0M | $754.7M | ||
| Q2 24 | $523.6M | $815.4M | ||
| Q1 24 | $513.2M | $813.8M |
总资产HTBRPAY
| Q4 25 | $4.5B | $1.2B | ||
| Q3 25 | $4.6B | $1.3B | ||
| Q2 25 | $4.6B | $1.4B | ||
| Q1 25 | $4.6B | $1.5B | ||
| Q4 24 | $4.6B | $1.6B | ||
| Q3 24 | $4.6B | $1.6B | ||
| Q2 24 | $4.7B | $1.5B | ||
| Q1 24 | $4.7B | $1.5B |
负债/权益比HTBRPAY
| 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 | $49.5M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $45.3M | $23.2M |
| 自由现金流率自由现金流/营收 | 84.5% | 29.6% |
| 资本支出强度资本支出/营收 | 7.8% | 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 | $93.8M | $90.7M |
8季度趋势，按日历期对齐
经营现金流HTBRPAY
| Q4 25 | $49.5M | $23.3M | ||
| Q3 25 | $-11.3M | $32.2M | ||
| Q2 25 | $-8.8M | $33.1M | ||
| Q1 25 | $71.7M | $2.5M | ||
| Q4 24 | $45.4M | $34.3M | ||
| Q3 24 | $43.8M | $60.1M | ||
| Q2 24 | $5.9M | $31.0M | ||
| Q1 24 | $-9.0M | $24.8M |
自由现金流HTBRPAY
| Q4 25 | $45.3M | $23.2M | ||
| Q3 25 | $-12.0M | $32.1M | ||
| Q2 25 | $-10.2M | $33.0M | ||
| Q1 25 | $70.7M | $2.4M | ||
| Q4 24 | $42.4M | $34.0M | ||
| Q3 24 | $43.1M | $59.8M | ||
| Q2 24 | $5.7M | $30.5M | ||
| Q1 24 | $-9.6M | $24.7M |
自由现金流率HTBRPAY
| Q4 25 | 84.5% | 29.6% | ||
| Q3 25 | -22.2% | 41.3% | ||
| Q2 25 | -18.7% | 43.6% | ||
| Q1 25 | 138.7% | 3.0% | ||
| Q4 24 | 82.0% | 43.5% | ||
| Q3 24 | 85.1% | 75.6% | ||
| Q2 24 | 11.2% | 40.7% | ||
| Q1 24 | -19.2% | 30.6% |
资本支出强度HTBRPAY
| Q4 25 | 7.8% | 0.1% | ||
| Q3 25 | 1.4% | 0.2% | ||
| Q2 25 | 2.5% | 0.1% | ||
| Q1 25 | 2.0% | 0.2% | ||
| Q4 24 | 5.9% | 0.3% | ||
| Q3 24 | 1.3% | 0.3% | ||
| Q2 24 | 0.5% | 0.6% | ||
| Q1 24 | 1.1% | 0.1% |
现金转化率HTBRPAY
| Q4 25 | — | — | ||
| Q3 25 | -0.68× | — | ||
| Q2 25 | -0.51× | — | ||
| Q1 25 | 4.93× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 3.34× | 18.52× | ||
| Q2 24 | 0.48× | — | ||
| Q1 24 | -0.60× | — |
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
HTB
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% |
