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J.Jill, Inc.（JILL）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
J.Jill, Inc.的季度营收约是Repay Holdings Corp的1.9倍（$150.5M vs $78.6M），J.Jill, Inc.净利率更高（6.1% vs -178.3%，领先184.4%），Repay Holdings Corp同比增速更快（0.4% vs -0.5%），Repay Holdings Corp自由现金流更多（$23.2M vs $16.0M），过去两年J.Jill, Inc.的营收复合增速更高（0.1% vs -1.3%）
J.Jill是1955年创立于美国马萨诸塞州的女装零售品牌，总部位于马萨诸塞州昆西市，自2017年起公开上市，主打面向女性消费者的服饰产品，在美国本土拥有稳定的线下销售网络与客群基础。
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。
JILL vs RPAY — 直观对比
营收规模更大
JILL
是对方的1.9倍
$78.6M
营收增速更快
RPAY
高出0.9%
-0.5%
净利率更高
JILL
高出184.4%
-178.3%
自由现金流更多
RPAY
多$7.2M
$16.0M
两年增速更快
JILL
近两年复合增速
-1.3%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $150.5M | $78.6M |
| 净利润 | $9.2M | $-140.1M |
| 毛利率 | 70.9% | 74.2% |
| 营业利润率 | 9.9% | -182.2% |
| 净利率 | 6.1% | -178.3% |
| 营收同比 | -0.5% | 0.4% |
| 净利润同比 | -25.5% | -3304.1% |
| 每股收益（稀释后） | $0.60 | $-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JILLRPAY
| Q4 25 | $150.5M | $78.6M | ||
| Q3 25 | $154.0M | $77.7M | ||
| Q2 25 | $153.6M | $75.6M | ||
| Q1 25 | $142.8M | $77.3M | ||
| Q4 24 | $151.3M | $78.3M | ||
| Q3 24 | $155.2M | $79.1M | ||
| Q2 24 | $161.5M | $74.9M | ||
| Q1 24 | $150.3M | $80.7M |
净利润JILLRPAY
| Q4 25 | $9.2M | $-140.1M | ||
| Q3 25 | $10.5M | $-6.4M | ||
| Q2 25 | $11.7M | $-102.3M | ||
| Q1 25 | $2.2M | $-7.9M | ||
| Q4 24 | $12.3M | $-4.1M | ||
| Q3 24 | $8.2M | $3.2M | ||
| Q2 24 | $16.7M | $-4.1M | ||
| Q1 24 | $4.8M | $-5.2M |
毛利率JILLRPAY
| Q4 25 | 70.9% | 74.2% | ||
| Q3 25 | 68.4% | 74.4% | ||
| Q2 25 | 71.8% | 75.7% | ||
| Q1 25 | 66.3% | 75.9% | ||
| Q4 24 | 71.4% | 76.3% | ||
| Q3 24 | 70.5% | 77.8% | ||
| Q2 24 | 72.9% | 78.2% | ||
| Q1 24 | 67.5% | 76.2% |
营业利润率JILLRPAY
| Q4 25 | 9.9% | -182.2% | ||
| Q3 25 | 10.9% | -3.9% | ||
| Q2 25 | 12.4% | -138.7% | ||
| Q1 25 | 3.6% | -4.7% | ||
| Q4 24 | 12.7% | -1.5% | ||
| Q3 24 | 14.8% | -0.9% | ||
| Q2 24 | 17.6% | -4.6% | ||
| Q1 24 | 7.0% | -3.1% |
净利率JILLRPAY
| Q4 25 | 6.1% | -178.3% | ||
| Q3 25 | 6.8% | -8.3% | ||
| Q2 25 | 7.6% | -135.2% | ||
| Q1 25 | 1.6% | -10.3% | ||
| Q4 24 | 8.2% | -5.3% | ||
| Q3 24 | 5.3% | 4.1% | ||
| Q2 24 | 10.3% | -5.4% | ||
| Q1 24 | 3.2% | -6.5% |
每股收益（稀释后）JILLRPAY
| Q4 25 | $0.60 | $-1.68 | ||
| Q3 25 | $0.69 | $-0.08 | ||
| Q2 25 | $0.76 | $-1.15 | ||
| Q1 25 | $0.11 | $-0.09 | ||
| Q4 24 | $0.80 | $-0.04 | ||
| Q3 24 | $0.54 | $0.03 | ||
| Q2 24 | $1.16 | $-0.04 | ||
| Q1 24 | $0.33 | $-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 | $58.0M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $129.0M | $484.4M |
| 总资产 | $458.0M | $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JILLRPAY
| Q4 25 | $58.0M | $115.7M | ||
| Q3 25 | $45.5M | $95.7M | ||
| Q2 25 | $31.2M | $162.6M | ||
| Q1 25 | $35.4M | $165.5M | ||
| Q4 24 | $38.8M | $189.5M | ||
| Q3 24 | $28.5M | $168.7M | ||
| Q2 24 | $77.1M | $147.1M | ||
| Q1 24 | $62.2M | $128.3M |
总债务JILLRPAY
| 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JILLRPAY
| Q4 25 | $129.0M | $484.4M | ||
| Q3 25 | $121.5M | $616.9M | ||
| Q2 25 | $112.0M | $633.7M | ||
| Q1 25 | $105.8M | $755.7M | ||
| Q4 24 | $103.3M | $761.3M | ||
| Q3 24 | $90.4M | $754.7M | ||
| Q2 24 | $53.1M | $815.4M | ||
| Q1 24 | $37.2M | $813.8M |
总资产JILLRPAY
| Q4 25 | $458.0M | $1.2B | ||
| Q3 25 | $436.5M | $1.3B | ||
| Q2 25 | $432.9M | $1.4B | ||
| Q1 25 | $417.7M | $1.5B | ||
| Q4 24 | $418.3M | $1.6B | ||
| Q3 24 | $390.8M | $1.6B | ||
| Q2 24 | $443.9M | $1.5B | ||
| Q1 24 | $428.2M | $1.5B |
负债/权益比JILLRPAY
| 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 | $19.1M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $16.0M | $23.2M |
| 自由现金流率自由现金流/营收 | 10.6% | 29.6% |
| 资本支出强度资本支出/营收 | 2.0% | 0.1% |
| 现金转化率经营现金流/净利润 | 2.07× | — |
| 过去12个月自由现金流最近4个季度 | $37.6M | $90.7M |
8季度趋势，按日历期对齐
经营现金流JILLRPAY
| Q4 25 | $19.1M | $23.3M | ||
| Q3 25 | $19.4M | $32.2M | ||
| Q2 25 | $5.3M | $33.1M | ||
| Q1 25 | $8.1M | $2.5M | ||
| Q4 24 | $19.1M | $34.3M | ||
| Q3 24 | $16.4M | $60.1M | ||
| Q2 24 | $21.5M | $31.0M | ||
| Q1 24 | $6.6M | $24.8M |
自由现金流JILLRPAY
| Q4 25 | $16.0M | $23.2M | ||
| Q3 25 | $17.1M | $32.1M | ||
| Q2 25 | $3.1M | $33.0M | ||
| Q1 25 | $1.4M | $2.4M | ||
| Q4 24 | $14.6M | $34.0M | ||
| Q3 24 | $15.0M | $59.8M | ||
| Q2 24 | $19.8M | $30.5M | ||
| Q1 24 | $1.8M | $24.7M |
自由现金流率JILLRPAY
| Q4 25 | 10.6% | 29.6% | ||
| Q3 25 | 11.1% | 41.3% | ||
| Q2 25 | 2.0% | 43.6% | ||
| Q1 25 | 1.0% | 3.0% | ||
| Q4 24 | 9.7% | 43.5% | ||
| Q3 24 | 9.6% | 75.6% | ||
| Q2 24 | 12.2% | 40.7% | ||
| Q1 24 | 1.2% | 30.6% |
资本支出强度JILLRPAY
| Q4 25 | 2.0% | 0.1% | ||
| Q3 25 | 1.5% | 0.2% | ||
| Q2 25 | 1.5% | 0.1% | ||
| Q1 25 | 4.7% | 0.2% | ||
| Q4 24 | 2.9% | 0.3% | ||
| Q3 24 | 0.9% | 0.3% | ||
| Q2 24 | 1.1% | 0.6% | ||
| Q1 24 | 3.2% | 0.1% |
现金转化率JILLRPAY
| Q4 25 | 2.07× | — | ||
| Q3 25 | 1.84× | — | ||
| Q2 25 | 0.46× | — | ||
| Q1 25 | 3.60× | — | ||
| Q4 24 | 1.54× | — | ||
| Q3 24 | 2.00× | 18.52× | ||
| Q2 24 | 1.29× | — | ||
| Q1 24 | 1.39× | — |
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
JILL
| Sales Channel Through Intermediary | $80.1M | 53% |
| Sales Channel Directly To Consumer | $70.5M | 47% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
