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LINKBANCORP, Inc.（LNKB）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LINKBANCORP, Inc.的1.7倍（$78.6M vs $46.0M），LINKBANCORP, Inc.净利率更高（6.4% vs -178.3%，领先184.7%），LINKBANCORP, Inc.同比增速更快（7.3% vs 0.4%），LINKBANCORP, Inc.自由现金流更多（$23.8M vs $23.2M），过去两年LINKBANCORP, Inc.的营收复合增速更高（6.6% vs -1.3%）
LINKBANCORP是一家总部位于美国的银行控股公司，主要为宾夕法尼亚州地区的个人消费者、小微企业和中型企业提供零售与商业银行服务，涵盖存款账户、贷款产品、财富管理解决方案及数字银行服务等核心业务。
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。
LNKB vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.7倍
$46.0M
营收增速更快
LNKB
高出6.9%
0.4%
净利率更高
LNKB
高出184.7%
-178.3%
自由现金流更多
LNKB
多$575.0K
$23.2M
两年增速更快
LNKB
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $46.0M | $78.6M |
| 净利润 | $2.9M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 8.5% | -182.2% |
| 净利率 | 6.4% | -178.3% |
| 营收同比 | 7.3% | 0.4% |
| 净利润同比 | -61.2% | -3304.1% |
| 每股收益（稀释后） | $0.08 | $-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LNKBRPAY
| Q4 25 | $46.0M | $78.6M | ||
| Q3 25 | $44.8M | $77.7M | ||
| Q2 25 | $42.3M | $75.6M | ||
| Q1 25 | $53.4M | $77.3M | ||
| Q4 24 | $42.9M | $78.3M | ||
| Q3 24 | $42.9M | $79.1M | ||
| Q2 24 | $41.3M | $74.9M | ||
| Q1 24 | $40.5M | $80.7M |
净利润LNKBRPAY
| Q4 25 | $2.9M | $-140.1M | ||
| Q3 25 | $7.8M | $-6.4M | ||
| Q2 25 | $7.4M | $-102.3M | ||
| Q1 25 | $15.3M | $-7.9M | ||
| Q4 24 | $7.6M | $-4.1M | ||
| Q3 24 | $7.1M | $3.2M | ||
| Q2 24 | $5.8M | $-4.1M | ||
| Q1 24 | $5.7M | $-5.2M |
毛利率LNKBRPAY
| 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LNKBRPAY
| Q4 25 | 8.5% | -182.2% | ||
| Q3 25 | 22.3% | -3.9% | ||
| Q2 25 | 22.4% | -138.7% | ||
| Q1 25 | 36.0% | -4.7% | ||
| Q4 24 | 22.6% | -1.5% | ||
| Q3 24 | 21.3% | -0.9% | ||
| Q2 24 | 18.0% | -4.6% | ||
| Q1 24 | 18.1% | -3.1% |
净利率LNKBRPAY
| Q4 25 | 6.4% | -178.3% | ||
| Q3 25 | 17.5% | -8.3% | ||
| Q2 25 | 17.5% | -135.2% | ||
| Q1 25 | 28.7% | -10.3% | ||
| Q4 24 | 17.7% | -5.3% | ||
| Q3 24 | 16.5% | 4.1% | ||
| Q2 24 | 14.1% | -5.4% | ||
| Q1 24 | 14.1% | -6.5% |
每股收益（稀释后）LNKBRPAY
| Q4 25 | $0.08 | $-1.68 | ||
| Q3 25 | $0.21 | $-0.08 | ||
| Q2 25 | $0.20 | $-1.15 | ||
| Q1 25 | $0.41 | $-0.09 | ||
| Q4 24 | $0.21 | $-0.04 | ||
| Q3 24 | $0.19 | $0.03 | ||
| Q2 24 | $0.16 | $-0.04 | ||
| Q1 24 | $0.15 | $-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 | $52.3M | $115.7M |
| 总债务越低越好 | $177.3M | $280.1M |
| 股东权益账面价值 | $306.4M | $484.4M |
| 总资产 | $3.1B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.58× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资LNKBRPAY
| Q4 25 | $52.3M | $115.7M | ||
| Q3 25 | $194.2M | $95.7M | ||
| Q2 25 | $155.1M | $162.6M | ||
| Q1 25 | $220.2M | $165.5M | ||
| Q4 24 | $166.1M | $189.5M | ||
| Q3 24 | $191.2M | $168.7M | ||
| Q2 24 | $181.7M | $147.1M | ||
| Q1 24 | $172.3M | $128.3M |
总债务LNKBRPAY
| Q4 25 | $177.3M | $280.1M | ||
| Q3 25 | $102.3M | $279.5M | ||
| Q2 25 | $102.3M | $279.0M | ||
| Q1 25 | $102.7M | $497.6M | ||
| Q4 24 | $112.5M | $496.8M | ||
| Q3 24 | $102.4M | $496.2M | ||
| Q2 24 | $102.3M | $435.6M | ||
| Q1 24 | $102.2M | $434.9M |
股东权益LNKBRPAY
| Q4 25 | $306.4M | $484.4M | ||
| Q3 25 | $305.5M | $616.9M | ||
| Q2 25 | $298.0M | $633.7M | ||
| Q1 25 | $294.1M | $755.7M | ||
| Q4 24 | $280.2M | $761.3M | ||
| Q3 24 | $277.4M | $754.7M | ||
| Q2 24 | $271.4M | $815.4M | ||
| Q1 24 | $268.2M | $813.8M |
总资产LNKBRPAY
| Q4 25 | $3.1B | $1.2B | ||
| Q3 25 | $3.1B | $1.3B | ||
| Q2 25 | $2.9B | $1.4B | ||
| Q1 25 | $2.9B | $1.5B | ||
| Q4 24 | $2.9B | $1.6B | ||
| Q3 24 | $2.9B | $1.6B | ||
| Q2 24 | $2.9B | $1.5B | ||
| Q1 24 | $2.8B | $1.5B |
负债/权益比LNKBRPAY
| Q4 25 | 0.58× | 0.58× | ||
| Q3 25 | 0.33× | 0.45× | ||
| Q2 25 | 0.34× | 0.44× | ||
| Q1 25 | 0.35× | 0.66× | ||
| Q4 24 | 0.40× | 0.65× | ||
| Q3 24 | 0.37× | 0.66× | ||
| Q2 24 | 0.38× | 0.53× | ||
| Q1 24 | 0.38× | 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 | $25.3M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $23.8M | $23.2M |
| 自由现金流率自由现金流/营收 | 51.7% | 29.6% |
| 资本支出强度资本支出/营收 | 3.2% | 0.1% |
| 现金转化率经营现金流/净利润 | 8.59× | — |
| 过去12个月自由现金流最近4个季度 | $55.3M | $90.7M |
8季度趋势，按日历期对齐
经营现金流LNKBRPAY
| Q4 25 | $25.3M | $23.3M | ||
| Q3 25 | $23.6M | $32.2M | ||
| Q2 25 | $6.3M | $33.1M | ||
| Q1 25 | $2.6M | $2.5M | ||
| Q4 24 | $25.4M | $34.3M | ||
| Q3 24 | $14.0M | $60.1M | ||
| Q2 24 | $6.4M | $31.0M | ||
| Q1 24 | $-771.0K | $24.8M |
自由现金流LNKBRPAY
| Q4 25 | $23.8M | $23.2M | ||
| Q3 25 | $23.2M | $32.1M | ||
| Q2 25 | $6.1M | $33.0M | ||
| Q1 25 | $2.2M | $2.4M | ||
| Q4 24 | $22.6M | $34.0M | ||
| Q3 24 | $13.1M | $59.8M | ||
| Q2 24 | $6.3M | $30.5M | ||
| Q1 24 | $-1.2M | $24.7M |
自由现金流率LNKBRPAY
| Q4 25 | 51.7% | 29.6% | ||
| Q3 25 | 51.8% | 41.3% | ||
| Q2 25 | 14.5% | 43.6% | ||
| Q1 25 | 4.2% | 3.0% | ||
| Q4 24 | 52.6% | 43.5% | ||
| Q3 24 | 30.5% | 75.6% | ||
| Q2 24 | 15.3% | 40.7% | ||
| Q1 24 | -3.0% | 30.6% |
资本支出强度LNKBRPAY
| Q4 25 | 3.2% | 0.1% | ||
| Q3 25 | 0.8% | 0.2% | ||
| Q2 25 | 0.4% | 0.1% | ||
| Q1 25 | 0.7% | 0.2% | ||
| Q4 24 | 6.7% | 0.3% | ||
| Q3 24 | 2.1% | 0.3% | ||
| Q2 24 | 0.1% | 0.6% | ||
| Q1 24 | 1.1% | 0.1% |
现金转化率LNKBRPAY
| Q4 25 | 8.59× | — | ||
| Q3 25 | 3.01× | — | ||
| Q2 25 | 0.85× | — | ||
| Q1 25 | 0.17× | — | ||
| Q4 24 | 3.35× | — | ||
| Q3 24 | 1.97× | 18.52× | ||
| Q2 24 | 1.10× | — | ||
| Q1 24 | -0.13× | — |
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
LNKB
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% |
