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Live Oak Bancshares, Inc.（LOB）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
Live Oak Bancshares, Inc.的季度营收约是Repay Holdings Corp的1.9倍（$145.5M vs $78.6M），Live Oak Bancshares, Inc.净利率更高（19.2% vs -178.3%，领先197.5%），Live Oak Bancshares, Inc.同比增速更快（18.4% vs 0.4%），过去两年Live Oak Bancshares, Inc.的营收复合增速更高（7.7% vs -1.3%）
Live Oak Bancshares, Inc.是一家美国金融控股公司，旗下子公司Live Oak Bank总部位于北卡罗来纳州威尔明顿，业务覆盖美国全部50个州，专注为小企业主提供金融服务，2022年按放贷金额计是美国SBA 7(a)贷款项目的头部放贷机构。
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。
LOB vs RPAY — 直观对比
营收规模更大
LOB
是对方的1.9倍
$78.6M
营收增速更快
LOB
高出18.0%
0.4%
净利率更高
LOB
高出197.5%
-178.3%
两年增速更快
LOB
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $78.6M |
| 净利润 | $27.9M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 19.2% | -178.3% |
| 营收同比 | 18.4% | 0.4% |
| 净利润同比 | 187.6% | -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LOBRPAY
| Q1 26 | $145.5M | — | ||
| Q4 25 | $161.9M | $78.6M | ||
| Q3 25 | $146.1M | $77.7M | ||
| Q2 25 | $143.7M | $75.6M | ||
| Q1 25 | $126.1M | $77.3M | ||
| Q4 24 | $116.9M | $78.3M | ||
| Q3 24 | $129.9M | $79.1M | ||
| Q2 24 | $125.5M | $74.9M |
净利润LOBRPAY
| Q1 26 | $27.9M | — | ||
| Q4 25 | $46.2M | $-140.1M | ||
| Q3 25 | $26.5M | $-6.4M | ||
| Q2 25 | $23.4M | $-102.3M | ||
| Q1 25 | $9.7M | $-7.9M | ||
| Q4 24 | $9.9M | $-4.1M | ||
| Q3 24 | $13.0M | $3.2M | ||
| Q2 24 | $27.0M | $-4.1M |
毛利率LOBRPAY
| 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LOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | -182.2% | ||
| Q3 25 | 25.0% | -3.9% | ||
| Q2 25 | 21.7% | -138.7% | ||
| Q1 25 | 10.4% | -4.7% | ||
| Q4 24 | 11.3% | -1.5% | ||
| Q3 24 | 13.7% | -0.9% | ||
| Q2 24 | 28.7% | -4.6% |
净利率LOBRPAY
| Q1 26 | 19.2% | — | ||
| Q4 25 | 28.5% | -178.3% | ||
| Q3 25 | 18.1% | -8.3% | ||
| Q2 25 | 16.3% | -135.2% | ||
| Q1 25 | 7.7% | -10.3% | ||
| Q4 24 | 8.5% | -5.3% | ||
| Q3 24 | 10.0% | 4.1% | ||
| Q2 24 | 21.5% | -5.4% |
每股收益（稀释后）LOBRPAY
| Q1 26 | $0.60 | — | ||
| Q4 25 | $0.96 | $-1.68 | ||
| Q3 25 | $0.55 | $-0.08 | ||
| Q2 25 | $0.51 | $-1.15 | ||
| Q1 25 | $0.21 | $-0.09 | ||
| Q4 24 | $0.22 | $-0.04 | ||
| Q3 24 | $0.28 | $0.03 | ||
| Q2 24 | $0.59 | $-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 | $1.3B | $484.4M |
| 总资产 | $15.3B | $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LOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M |
总债务LOBRPAY
| Q1 26 | — | — | ||
| 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 |
股东权益LOBRPAY
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $484.4M | ||
| Q3 25 | $1.2B | $616.9M | ||
| Q2 25 | $1.1B | $633.7M | ||
| Q1 25 | $1.0B | $755.7M | ||
| Q4 24 | $999.0M | $761.3M | ||
| Q3 24 | $1.0B | $754.7M | ||
| Q2 24 | $961.0M | $815.4M |
总资产LOBRPAY
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.1B | $1.2B | ||
| Q3 25 | $14.7B | $1.3B | ||
| Q2 25 | $13.8B | $1.4B | ||
| Q1 25 | $13.6B | $1.5B | ||
| Q4 24 | $12.9B | $1.6B | ||
| Q3 24 | $12.6B | $1.6B | ||
| Q2 24 | $11.9B | $1.5B |
负债/权益比LOBRPAY
| Q1 26 | — | — | ||
| 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× |
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LOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | $158.2M | $23.3M | ||
| Q3 25 | $62.3M | $32.2M | ||
| Q2 25 | $49.2M | $33.1M | ||
| Q1 25 | $-33.0M | $2.5M | ||
| Q4 24 | $156.8M | $34.3M | ||
| Q3 24 | $47.4M | $60.1M | ||
| Q2 24 | $29.5M | $31.0M |
自由现金流LOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | $143.5M | $23.2M | ||
| Q3 25 | $60.6M | $32.1M | ||
| Q2 25 | $47.8M | $33.0M | ||
| Q1 25 | $-35.3M | $2.4M | ||
| Q4 24 | $107.5M | $34.0M | ||
| Q3 24 | $41.0M | $59.8M | ||
| Q2 24 | $12.3M | $30.5M |
自由现金流率LOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 88.6% | 29.6% | ||
| Q3 25 | 41.4% | 41.3% | ||
| Q2 25 | 33.3% | 43.6% | ||
| Q1 25 | -28.0% | 3.0% | ||
| Q4 24 | 91.9% | 43.5% | ||
| Q3 24 | 31.6% | 75.6% | ||
| Q2 24 | 9.8% | 40.7% |
资本支出强度LOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 0.1% | ||
| Q3 25 | 1.2% | 0.2% | ||
| Q2 25 | 1.0% | 0.1% | ||
| Q1 25 | 1.8% | 0.2% | ||
| Q4 24 | 42.2% | 0.3% | ||
| Q3 24 | 4.9% | 0.3% | ||
| Q2 24 | 13.7% | 0.6% |
现金转化率LOBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 3.42× | — | ||
| Q3 25 | 2.35× | — | ||
| Q2 25 | 2.10× | — | ||
| Q1 25 | -3.39× | — | ||
| Q4 24 | 15.84× | — | ||
| Q3 24 | 3.64× | 18.52× | ||
| Q2 24 | 1.10× | — |
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
LOB
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% |
