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Katapult Holdings, Inc.（KPLT）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Katapult Holdings, Inc.的1.1倍（$78.6M vs $73.9M），Katapult Holdings, Inc.净利率更高（26.8% vs -178.3%，领先205.1%），Katapult Holdings, Inc.同比增速更快（17.3% vs 0.4%），Repay Holdings Corp自由现金流更多（$23.2M vs $-12.0M），过去两年Katapult Holdings, Inc.的营收复合增速更高（6.6% vs -1.3%）
Katapult Holdings, Inc.是一家总部位于美国的金融科技公司，为信用记录有限或无传统信用记录的消费者提供可负担的销售点租赁购买解决方案，与电子、家具、家居等多领域电商平台及实体零售商户合作，支持用户通过灵活付款计划获取所需商品。
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。
KPLT vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.1倍
$73.9M
营收增速更快
KPLT
高出16.9%
0.4%
净利率更高
KPLT
高出205.1%
-178.3%
自由现金流更多
RPAY
多$35.2M
$-12.0M
两年增速更快
KPLT
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $73.9M | $78.6M |
| 净利润 | $19.8M | $-140.1M |
| 毛利率 | 15.6% | 74.2% |
| 营业利润率 | -1.4% | -182.2% |
| 净利率 | 26.8% | -178.3% |
| 营收同比 | 17.3% | 0.4% |
| 净利润同比 | 307.3% | -3304.1% |
| 每股收益（稀释后） | $3.69 | $-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KPLTRPAY
| Q4 25 | $73.9M | $78.6M | ||
| Q3 25 | $74.0M | $77.7M | ||
| Q2 25 | $71.9M | $75.6M | ||
| Q1 25 | $71.9M | $77.3M | ||
| Q4 24 | $63.0M | $78.3M | ||
| Q3 24 | $60.3M | $79.1M | ||
| Q2 24 | $58.9M | $74.9M | ||
| Q1 24 | $65.1M | $80.7M |
净利润KPLTRPAY
| Q4 25 | $19.8M | $-140.1M | ||
| Q3 25 | $-4.9M | $-6.4M | ||
| Q2 25 | $-7.8M | $-102.3M | ||
| Q1 25 | $-5.7M | $-7.9M | ||
| Q4 24 | $-9.6M | $-4.1M | ||
| Q3 24 | $-8.9M | $3.2M | ||
| Q2 24 | $-6.9M | $-4.1M | ||
| Q1 24 | $-570.0K | $-5.2M |
毛利率KPLTRPAY
| Q4 25 | 15.6% | 74.2% | ||
| Q3 25 | 19.7% | 74.4% | ||
| Q2 25 | 15.5% | 75.7% | ||
| Q1 25 | 19.9% | 75.9% | ||
| Q4 24 | 11.8% | 76.3% | ||
| Q3 24 | 19.8% | 77.8% | ||
| Q2 24 | 16.9% | 78.2% | ||
| Q1 24 | 25.3% | 76.2% |
营业利润率KPLTRPAY
| Q4 25 | -1.4% | -182.2% | ||
| Q3 25 | 3.3% | -3.9% | ||
| Q2 25 | -2.0% | -138.7% | ||
| Q1 25 | -0.7% | -4.7% | ||
| Q4 24 | -7.7% | -1.5% | ||
| Q3 24 | -7.4% | -0.9% | ||
| Q2 24 | -4.5% | -4.6% | ||
| Q1 24 | 5.8% | -3.1% |
净利率KPLTRPAY
| Q4 25 | 26.8% | -178.3% | ||
| Q3 25 | -6.7% | -8.3% | ||
| Q2 25 | -10.9% | -135.2% | ||
| Q1 25 | -7.9% | -10.3% | ||
| Q4 24 | -15.2% | -5.3% | ||
| Q3 24 | -14.7% | 4.1% | ||
| Q2 24 | -11.7% | -5.4% | ||
| Q1 24 | -0.9% | -6.5% |
每股收益（稀释后）KPLTRPAY
| Q4 25 | $3.69 | $-1.68 | ||
| Q3 25 | $-0.94 | $-0.08 | ||
| Q2 25 | $-1.63 | $-1.15 | ||
| Q1 25 | $-1.23 | $-0.09 | ||
| Q4 24 | $-2.17 | $-0.04 | ||
| Q3 24 | $-2.05 | $0.03 | ||
| Q2 24 | $-1.61 | $-0.04 | ||
| Q1 24 | $-0.13 | $-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 | $22.4M | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $-38.1M | $484.4M |
| 总资产 | $107.9M | $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KPLTRPAY
| Q4 25 | $22.4M | $115.7M | ||
| Q3 25 | $3.4M | $95.7M | ||
| Q2 25 | $3.7M | $162.6M | ||
| Q1 25 | $6.0M | $165.5M | ||
| Q4 24 | $3.5M | $189.5M | ||
| Q3 24 | $25.9M | $168.7M | ||
| Q2 24 | $33.7M | $147.1M | ||
| Q1 24 | $31.2M | $128.3M |
总债务KPLTRPAY
| 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KPLTRPAY
| Q4 25 | $-38.1M | $484.4M | ||
| Q3 25 | $-58.4M | $616.9M | ||
| Q2 25 | $-54.1M | $633.7M | ||
| Q1 25 | $-51.7M | $755.7M | ||
| Q4 24 | $-46.8M | $761.3M | ||
| Q3 24 | $-40.3M | $754.7M | ||
| Q2 24 | $-32.9M | $815.4M | ||
| Q1 24 | $-27.5M | $813.8M |
总资产KPLTRPAY
| Q4 25 | $107.9M | $1.2B | ||
| Q3 25 | $85.9M | $1.3B | ||
| Q2 25 | $90.6M | $1.4B | ||
| Q1 25 | $88.5M | $1.5B | ||
| Q4 24 | $93.2M | $1.6B | ||
| Q3 24 | $92.0M | $1.6B | ||
| Q2 24 | $106.6M | $1.5B | ||
| Q1 24 | $106.6M | $1.5B |
负债/权益比KPLTRPAY
| 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 | $-11.9M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $-12.0M | $23.2M |
| 自由现金流率自由现金流/营收 | -16.2% | 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 | -0.60× | — |
| 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KPLTRPAY
| Q4 25 | $-11.9M | $23.3M | ||
| Q3 25 | $4.0M | $32.2M | ||
| Q2 25 | $-6.6M | $33.1M | ||
| Q1 25 | $3.4M | $2.5M | ||
| Q4 24 | $-32.6M | $34.3M | ||
| Q3 24 | $-5.4M | $60.1M | ||
| Q2 24 | $-628.0K | $31.0M | ||
| Q1 24 | $2.0M | $24.8M |
自由现金流KPLTRPAY
| Q4 25 | $-12.0M | $23.2M | ||
| Q3 25 | $4.0M | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | $3.4M | $2.4M | ||
| Q4 24 | $-32.6M | $34.0M | ||
| Q3 24 | $-5.4M | $59.8M | ||
| Q2 24 | $-653.0K | $30.5M | ||
| Q1 24 | — | $24.7M |
自由现金流率KPLTRPAY
| Q4 25 | -16.2% | 29.6% | ||
| Q3 25 | 5.4% | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | 4.7% | 3.0% | ||
| Q4 24 | -51.8% | 43.5% | ||
| Q3 24 | -9.0% | 75.6% | ||
| Q2 24 | -1.1% | 40.7% | ||
| Q1 24 | — | 30.6% |
资本支出强度KPLTRPAY
| Q4 25 | 0.0% | 0.1% | ||
| Q3 25 | 0.0% | 0.2% | ||
| Q2 25 | 0.0% | 0.1% | ||
| Q1 25 | 0.0% | 0.2% | ||
| Q4 24 | 0.1% | 0.3% | ||
| Q3 24 | 0.0% | 0.3% | ||
| Q2 24 | 0.0% | 0.6% | ||
| Q1 24 | 0.0% | 0.1% |
现金转化率KPLTRPAY
| Q4 25 | -0.60× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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
KPLT
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% |
