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First Internet Bancorp（INBK）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First Internet Bancorp的1.8倍（$78.6M vs $43.1M），First Internet Bancorp净利率更高（5.8% vs -178.3%，领先184.1%），过去两年First Internet Bancorp的营收复合增速更高（15.4% vs -1.3%）
第一互联网班克公司是一家美国银行控股公司，总部位于印第安纳州费舍尔斯，旗下唯一子公司为印第安纳第一互联网银行。该银行是美国最早一批仅通过线上与电话开展业务、不设实体网点的州特许银行之一。
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。
INBK vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.8倍
$43.1M
净利率更高
INBK
高出184.1%
-178.3%
两年增速更快
INBK
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $43.1M | $78.6M |
| 净利润 | $2.5M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 5.8% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $0.29 | $-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INBKRPAY
| Q1 26 | $43.1M | — | ||
| Q4 25 | $30.3M | $78.6M | ||
| Q3 25 | $5.7M | $77.7M | ||
| Q2 25 | $33.5M | $75.6M | ||
| Q1 25 | $35.5M | $77.3M | ||
| Q4 24 | $39.5M | $78.3M | ||
| Q3 24 | $33.8M | $79.1M | ||
| Q2 24 | $32.4M | $74.9M |
净利润INBKRPAY
| Q1 26 | $2.5M | — | ||
| Q4 25 | $5.3M | $-140.1M | ||
| Q3 25 | $-41.6M | $-6.4M | ||
| Q2 25 | $193.0K | $-102.3M | ||
| Q1 25 | $943.0K | $-7.9M | ||
| Q4 24 | $7.3M | $-4.1M | ||
| Q3 24 | $7.0M | $3.2M | ||
| Q2 24 | $5.8M | $-4.1M |
毛利率INBKRPAY
| 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INBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | 18.1% | -182.2% | ||
| Q3 25 | -956.1% | -3.9% | ||
| Q2 25 | -5.5% | -138.7% | ||
| Q1 25 | 0.1% | -4.7% | ||
| Q4 24 | 21.1% | -1.5% | ||
| Q3 24 | 22.5% | -0.9% | ||
| Q2 24 | 18.5% | -4.6% |
净利率INBKRPAY
| Q1 26 | 5.8% | — | ||
| Q4 25 | 17.4% | -178.3% | ||
| Q3 25 | -729.1% | -8.3% | ||
| Q2 25 | 0.6% | -135.2% | ||
| Q1 25 | 2.7% | -10.3% | ||
| Q4 24 | 18.6% | -5.3% | ||
| Q3 24 | 20.7% | 4.1% | ||
| Q2 24 | 17.8% | -5.4% |
每股收益（稀释后）INBKRPAY
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.60 | $-1.68 | ||
| Q3 25 | $-4.76 | $-0.08 | ||
| Q2 25 | $0.02 | $-1.15 | ||
| Q1 25 | $0.11 | $-0.09 | ||
| Q4 24 | $0.82 | $-0.04 | ||
| Q3 24 | $0.80 | $0.03 | ||
| Q2 24 | $0.67 | $-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 | $374.3M | $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
现金及短期投资INBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | $456.8M | $115.7M | ||
| Q3 25 | $787.7M | $95.7M | ||
| Q2 25 | $446.4M | $162.6M | ||
| Q1 25 | $394.5M | $165.5M | ||
| Q4 24 | $466.4M | $189.5M | ||
| Q3 24 | $712.5M | $168.7M | ||
| Q2 24 | $396.8M | $147.1M |
总债务INBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | $249.5M | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | $295.0M | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
股东权益INBKRPAY
| Q1 26 | $374.3M | — | ||
| Q4 25 | $359.8M | $484.4M | ||
| Q3 25 | $352.2M | $616.9M | ||
| Q2 25 | $390.2M | $633.7M | ||
| Q1 25 | $387.7M | $755.7M | ||
| Q4 24 | $384.1M | $761.3M | ||
| Q3 24 | $385.1M | $754.7M | ||
| Q2 24 | $372.0M | $815.4M |
总资产INBKRPAY
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.6B | $1.2B | ||
| Q3 25 | $5.6B | $1.3B | ||
| Q2 25 | $6.1B | $1.4B | ||
| Q1 25 | $5.9B | $1.5B | ||
| Q4 24 | $5.7B | $1.6B | ||
| Q3 24 | $5.8B | $1.6B | ||
| Q2 24 | $5.3B | $1.5B |
负债/权益比INBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 0.77× | 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INBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | $3.4M | $23.3M | ||
| Q3 25 | $37.1M | $32.2M | ||
| Q2 25 | $-90.2M | $33.1M | ||
| Q1 25 | $32.8M | $2.5M | ||
| Q4 24 | $13.0M | $34.3M | ||
| Q3 24 | $331.0K | $60.1M | ||
| Q2 24 | $16.0M | $31.0M |
自由现金流INBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $23.2M | ||
| Q3 25 | $37.0M | $32.1M | ||
| Q2 25 | $-90.8M | $33.0M | ||
| Q1 25 | $32.6M | $2.4M | ||
| Q4 24 | $10.4M | $34.0M | ||
| Q3 24 | $-270.0K | $59.8M | ||
| Q2 24 | $15.5M | $30.5M |
自由现金流率INBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | 29.6% | ||
| Q3 25 | 648.0% | 41.3% | ||
| Q2 25 | -270.7% | 43.6% | ||
| Q1 25 | 91.9% | 3.0% | ||
| Q4 24 | 26.3% | 43.5% | ||
| Q3 24 | -0.8% | 75.6% | ||
| Q2 24 | 47.8% | 40.7% |
资本支出强度INBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 0.1% | ||
| Q3 25 | 1.9% | 0.2% | ||
| Q2 25 | 1.9% | 0.1% | ||
| Q1 25 | 0.5% | 0.2% | ||
| Q4 24 | 6.6% | 0.3% | ||
| Q3 24 | 1.8% | 0.3% | ||
| Q2 24 | 1.7% | 0.6% |
现金转化率INBKRPAY
| Q1 26 | — | — | ||
| Q4 25 | 0.65× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -467.21× | — | ||
| Q1 25 | 34.81× | — | ||
| Q4 24 | 1.77× | — | ||
| Q3 24 | 0.05× | 18.52× | ||
| Q2 24 | 2.77× | — |
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
INBK
| Net Interest Income | $31.6M | 73% |
| Noninterest Income | $11.5M | 27% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
