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MEDALLION FINANCIAL CORP（MFIN）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MEDALLION FINANCIAL CORP的1.1倍（$78.6M vs $70.6M），MEDALLION FINANCIAL CORP净利率更高（17.3% vs -178.3%，领先195.6%），MEDALLION FINANCIAL CORP同比增速更快（25.4% vs 0.4%），过去两年MEDALLION FINANCIAL CORP的营收复合增速更高（15.0% vs -1.3%）
Mahindra & Mahindra金融服务有限公司（MMFSL）是一家印度农村非银行金融公司，总部位于孟买。该公司是印度头部拖拉机融资机构之一，在印度全国拥有超过一千家分支机构
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。
MFIN vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.1倍
$70.6M
营收增速更快
MFIN
高出25.0%
0.4%
净利率更高
MFIN
高出195.6%
-178.3%
两年增速更快
MFIN
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $70.6M | $78.6M |
| 净利润 | $12.2M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 29.3% | -182.2% |
| 净利率 | 17.3% | -178.3% |
| 营收同比 | 25.4% | 0.4% |
| 净利润同比 | 20.3% | -3304.1% |
| 每股收益（稀释后） | $0.50 | $-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MFINRPAY
| Q4 25 | $70.6M | $78.6M | ||
| Q3 25 | $58.7M | $77.7M | ||
| Q2 25 | $62.6M | $75.6M | ||
| Q1 25 | $63.0M | $77.3M | ||
| Q4 24 | $56.3M | $78.3M | ||
| Q3 24 | $53.3M | $79.1M | ||
| Q2 24 | $51.0M | $74.9M | ||
| Q1 24 | $53.3M | $80.7M |
净利润MFINRPAY
| Q4 25 | $12.2M | $-140.1M | ||
| Q3 25 | $7.8M | $-6.4M | ||
| Q2 25 | $11.1M | $-102.3M | ||
| Q1 25 | $12.0M | $-7.9M | ||
| Q4 24 | $10.1M | $-4.1M | ||
| Q3 24 | $8.6M | $3.2M | ||
| Q2 24 | $7.1M | $-4.1M | ||
| Q1 24 | $10.0M | $-5.2M |
毛利率MFINRPAY
| 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MFINRPAY
| Q4 25 | 29.3% | -182.2% | ||
| Q3 25 | 33.2% | -3.9% | ||
| Q2 25 | 31.1% | -138.7% | ||
| Q1 25 | 32.1% | -4.7% | ||
| Q4 24 | 32.8% | -1.5% | ||
| Q3 24 | 26.6% | -0.9% | ||
| Q2 24 | 24.3% | -4.6% | ||
| Q1 24 | 33.6% | -3.1% |
净利率MFINRPAY
| Q4 25 | 17.3% | -178.3% | ||
| Q3 25 | 13.2% | -8.3% | ||
| Q2 25 | 17.7% | -135.2% | ||
| Q1 25 | 19.1% | -10.3% | ||
| Q4 24 | 18.0% | -5.3% | ||
| Q3 24 | 16.1% | 4.1% | ||
| Q2 24 | 13.9% | -5.4% | ||
| Q1 24 | 18.8% | -6.5% |
每股收益（稀释后）MFINRPAY
| Q4 25 | $0.50 | $-1.68 | ||
| Q3 25 | $0.32 | $-0.08 | ||
| Q2 25 | $0.46 | $-1.15 | ||
| Q1 25 | $0.50 | $-0.09 | ||
| Q4 24 | $0.43 | $-0.04 | ||
| Q3 24 | $0.37 | $0.03 | ||
| Q2 24 | $0.30 | $-0.04 | ||
| Q1 24 | $0.42 | $-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 | $136.3M | $115.7M |
| 总债务越低越好 | $216.0M | $280.1M |
| 股东权益账面价值 | $408.6M | $484.4M |
| 总资产 | $3.0B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.53× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资MFINRPAY
| Q4 25 | $136.3M | $115.7M | ||
| Q3 25 | $72.5M | $95.7M | ||
| Q2 25 | $110.4M | $162.6M | ||
| Q1 25 | $131.5M | $165.5M | ||
| Q4 24 | $98.2M | $189.5M | ||
| Q3 24 | $120.6M | $168.7M | ||
| Q2 24 | $87.7M | $147.1M | ||
| Q1 24 | $54.8M | $128.3M |
总债务MFINRPAY
| Q4 25 | $216.0M | $280.1M | ||
| Q3 25 | $215.7M | $279.5M | ||
| Q2 25 | $199.9M | $279.0M | ||
| Q1 25 | $199.7M | $497.6M | ||
| Q4 24 | $232.2M | $496.8M | ||
| Q3 24 | $232.0M | $496.2M | ||
| Q2 24 | $230.8M | $435.6M | ||
| Q1 24 | $225.6M | $434.9M |
股东权益MFINRPAY
| Q4 25 | $408.6M | $484.4M | ||
| Q3 25 | $397.4M | $616.9M | ||
| Q2 25 | $389.9M | $633.7M | ||
| Q1 25 | $380.2M | $755.7M | ||
| Q4 24 | $370.2M | $761.3M | ||
| Q3 24 | $362.4M | $754.7M | ||
| Q2 24 | $354.0M | $815.4M | ||
| Q1 24 | $349.0M | $813.8M |
总资产MFINRPAY
| Q4 25 | $3.0B | $1.2B | ||
| Q3 25 | $2.9B | $1.3B | ||
| Q2 25 | $2.9B | $1.4B | ||
| Q1 25 | $2.8B | $1.5B | ||
| Q4 24 | $2.9B | $1.6B | ||
| Q3 24 | $2.9B | $1.6B | ||
| Q2 24 | $2.8B | $1.5B | ||
| Q1 24 | $2.6B | $1.5B |
负债/权益比MFINRPAY
| Q4 25 | 0.53× | 0.58× | ||
| Q3 25 | 0.54× | 0.45× | ||
| Q2 25 | 0.51× | 0.44× | ||
| Q1 25 | 0.53× | 0.66× | ||
| Q4 24 | 0.63× | 0.65× | ||
| Q3 24 | 0.64× | 0.66× | ||
| Q2 24 | 0.65× | 0.53× | ||
| Q1 24 | 0.65× | 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 | $126.3M | $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 | 10.35× | — |
| 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MFINRPAY
| Q4 25 | $126.3M | $23.3M | ||
| Q3 25 | $67.0M | $32.2M | ||
| Q2 25 | $-10.7M | $33.1M | ||
| Q1 25 | $36.3M | $2.5M | ||
| Q4 24 | $108.7M | $34.3M | ||
| Q3 24 | $24.6M | $60.1M | ||
| Q2 24 | $27.6M | $31.0M | ||
| Q1 24 | $32.3M | $24.8M |
自由现金流MFINRPAY
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M | ||
| Q1 24 | — | $24.7M |
自由现金流率MFINRPAY
| Q4 25 | — | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% | ||
| Q1 24 | — | 30.6% |
资本支出强度MFINRPAY
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 0.1% |
现金转化率MFINRPAY
| Q4 25 | 10.35× | — | ||
| Q3 25 | 8.63× | — | ||
| Q2 25 | -0.97× | — | ||
| Q1 25 | 3.02× | — | ||
| Q4 24 | 10.72× | — | ||
| Q3 24 | 2.86× | 18.52× | ||
| Q2 24 | 3.89× | — | ||
| Q1 24 | 3.22× | — |
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
MFIN
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% |
