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INVESTORS TITLE CO（ITIC）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INVESTORS TITLE CO的1.1倍（$78.6M vs $69.5M），Repay Holdings Corp同比增速更快（0.4% vs -1.6%），INVESTORS TITLE CO自由现金流更多（$25.4M vs $23.2M），过去两年INVESTORS TITLE CO的营收复合增速更高（14.0% vs -1.3%）
该公司是全球首家产权保险公司，前身为费城房地产产权保险公司，目前专注于为房地产交易提供产权保险相关服务，保障房地产交易中产权方的合法权益，在产权保险领域拥有悠久的发展历史与行业积累。
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。
ITIC vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.1倍
$69.5M
营收增速更快
RPAY
高出2.0%
-1.6%
自由现金流更多
ITIC
多$2.2M
$23.2M
两年增速更快
ITIC
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $69.5M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 13.8% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | -1.6% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $3.97 | $-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ITICRPAY
| Q4 25 | $69.5M | $78.6M | ||
| Q3 25 | $73.0M | $77.7M | ||
| Q2 25 | $73.6M | $75.6M | ||
| Q1 25 | $56.6M | $77.3M | ||
| Q4 24 | $70.6M | $78.3M | ||
| Q3 24 | $68.8M | $79.1M | ||
| Q2 24 | $65.4M | $74.9M | ||
| Q1 24 | $53.5M | $80.7M |
净利润ITICRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $12.2M | $-6.4M | ||
| Q2 25 | $12.3M | $-102.3M | ||
| Q1 25 | $3.2M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $9.3M | $3.2M | ||
| Q2 24 | $8.9M | $-4.1M | ||
| Q1 24 | $4.5M | $-5.2M |
毛利率ITICRPAY
| 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ITICRPAY
| Q4 25 | 13.8% | -182.2% | ||
| Q3 25 | 20.7% | -3.9% | ||
| Q2 25 | 21.5% | -138.7% | ||
| Q1 25 | 7.2% | -4.7% | ||
| Q4 24 | 15.3% | -1.5% | ||
| Q3 24 | 16.8% | -0.9% | ||
| Q2 24 | 17.2% | -4.6% | ||
| Q1 24 | 10.8% | -3.1% |
净利率ITICRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 16.7% | -8.3% | ||
| Q2 25 | 16.7% | -135.2% | ||
| Q1 25 | 5.6% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 13.5% | 4.1% | ||
| Q2 24 | 13.6% | -5.4% | ||
| Q1 24 | 8.5% | -6.5% |
每股收益（稀释后）ITICRPAY
| Q4 25 | $3.97 | $-1.68 | ||
| Q3 25 | $6.45 | $-0.08 | ||
| Q2 25 | $6.48 | $-1.15 | ||
| Q1 25 | $1.67 | $-0.09 | ||
| Q4 24 | $4.41 | $-0.04 | ||
| Q3 24 | $4.92 | $0.03 | ||
| Q2 24 | $4.70 | $-0.04 | ||
| Q1 24 | $2.40 | $-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 | $89.6M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $268.3M | $484.4M |
| 总资产 | $363.1M | $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ITICRPAY
| Q4 25 | $89.6M | $115.7M | ||
| Q3 25 | $110.8M | $95.7M | ||
| Q2 25 | $90.1M | $162.6M | ||
| Q1 25 | $81.7M | $165.5M | ||
| Q4 24 | $83.8M | $189.5M | ||
| Q3 24 | $112.9M | $168.7M | ||
| Q2 24 | $111.2M | $147.1M | ||
| Q1 24 | $135.0M | $128.3M |
总债务ITICRPAY
| 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ITICRPAY
| Q4 25 | $268.3M | $484.4M | ||
| Q3 25 | $278.0M | $616.9M | ||
| Q2 25 | $266.2M | $633.7M | ||
| Q1 25 | $254.4M | $755.7M | ||
| Q4 24 | $251.8M | $761.3M | ||
| Q3 24 | $271.3M | $754.7M | ||
| Q2 24 | $261.8M | $815.4M | ||
| Q1 24 | $254.0M | $813.8M |
总资产ITICRPAY
| Q4 25 | $363.1M | $1.2B | ||
| Q3 25 | $363.3M | $1.3B | ||
| Q2 25 | $345.8M | $1.4B | ||
| Q1 25 | $333.8M | $1.5B | ||
| Q4 24 | $333.6M | $1.6B | ||
| Q3 24 | $352.0M | $1.6B | ||
| Q2 24 | $340.3M | $1.5B | ||
| Q1 24 | $329.5M | $1.5B |
负债/权益比ITICRPAY
| 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 | $30.9M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $25.4M | $23.2M |
| 自由现金流率自由现金流/营收 | 36.5% | 29.6% |
| 资本支出强度资本支出/营收 | 8.0% | 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 | $47.1M | $90.7M |
8季度趋势，按日历期对齐
经营现金流ITICRPAY
| Q4 25 | $30.9M | $23.3M | ||
| Q3 25 | $17.2M | $32.2M | ||
| Q2 25 | $8.9M | $33.1M | ||
| Q1 25 | $-75.0K | $2.5M | ||
| Q4 24 | $29.8M | $34.3M | ||
| Q3 24 | $7.8M | $60.1M | ||
| Q2 24 | $8.4M | $31.0M | ||
| Q1 24 | $1.4M | $24.8M |
自由现金流ITICRPAY
| Q4 25 | $25.4M | $23.2M | ||
| Q3 25 | $15.8M | $32.1M | ||
| Q2 25 | $7.3M | $33.0M | ||
| Q1 25 | $-1.4M | $2.4M | ||
| Q4 24 | $22.4M | $34.0M | ||
| Q3 24 | $6.1M | $59.8M | ||
| Q2 24 | $6.3M | $30.5M | ||
| Q1 24 | $-793.0K | $24.7M |
自由现金流率ITICRPAY
| Q4 25 | 36.5% | 29.6% | ||
| Q3 25 | 21.7% | 41.3% | ||
| Q2 25 | 9.9% | 43.6% | ||
| Q1 25 | -2.5% | 3.0% | ||
| Q4 24 | 31.7% | 43.5% | ||
| Q3 24 | 8.8% | 75.6% | ||
| Q2 24 | 9.7% | 40.7% | ||
| Q1 24 | -1.5% | 30.6% |
资本支出强度ITICRPAY
| Q4 25 | 8.0% | 0.1% | ||
| Q3 25 | 1.8% | 0.2% | ||
| Q2 25 | 2.1% | 0.1% | ||
| Q1 25 | 2.4% | 0.2% | ||
| Q4 24 | 10.5% | 0.3% | ||
| Q3 24 | 2.5% | 0.3% | ||
| Q2 24 | 3.2% | 0.6% | ||
| Q1 24 | 4.2% | 0.1% |
现金转化率ITICRPAY
| Q4 25 | — | — | ||
| Q3 25 | 1.40× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | -0.02× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.84× | 18.52× | ||
| Q2 24 | 0.95× | — | ||
| Q1 24 | 0.32× | — |
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
ITIC
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% |
