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MidWestOne Financial Group, Inc.（MOFG）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MidWestOne Financial Group, Inc.的1.3倍（$78.6M vs $61.3M），MidWestOne Financial Group, Inc.净利率更高（27.8% vs -178.3%，领先206.1%），MidWestOne Financial Group, Inc.同比增速更快（35.9% vs 0.4%），Repay Holdings Corp自由现金流更多（$23.2M vs $16.7M），过去两年MidWestOne Financial Group, Inc.的营收复合增速更高（37.2% vs -1.3%）
中西部一号金融集团是一家银行控股公司，总部位于美国爱荷华城。集团旗下共运营56家分行，是总部设于爱荷华州的第三大银行，业务覆盖爱荷华州、明尼苏达州、威斯康星州、科罗拉多州以及佛罗里达州。
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。
MOFG vs RPAY — 直观对比
损益表 — Q3 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $61.3M | $78.6M |
| 净利润 | $17.0M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 35.1% | -182.2% |
| 净利率 | 27.8% | -178.3% |
| 营收同比 | 35.9% | 0.4% |
| 净利润同比 | 117.8% | -3304.1% |
| 每股收益（稀释后） | $0.82 | $-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
| Q4 25 | — | $78.6M | ||
| Q3 25 | $61.3M | $77.7M | ||
| Q2 25 | $60.2M | $75.6M | ||
| Q1 25 | $57.6M | $77.3M | ||
| Q4 24 | $48.9M | $78.3M | ||
| Q3 24 | $37.5M | $79.1M | ||
| Q2 24 | $57.9M | $74.9M | ||
| Q1 24 | $44.5M | $80.7M |
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $17.0M | $-6.4M | ||
| Q2 25 | $10.0M | $-102.3M | ||
| Q1 25 | $15.1M | $-7.9M | ||
| Q4 24 | $16.3M | $-4.1M | ||
| Q3 24 | $-95.7M | $3.2M | ||
| Q2 24 | $15.8M | $-4.1M | ||
| Q1 24 | $3.3M | $-5.2M |
| 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% |
| Q4 25 | — | -182.2% | ||
| Q3 25 | 35.1% | -3.9% | ||
| Q2 25 | 20.9% | -138.7% | ||
| Q1 25 | 34.0% | -4.7% | ||
| Q4 24 | 43.1% | -1.5% | ||
| Q3 24 | -347.0% | -0.9% | ||
| Q2 24 | 36.0% | -4.6% | ||
| Q1 24 | 9.5% | -3.1% |
| Q4 25 | — | -178.3% | ||
| Q3 25 | 27.8% | -8.3% | ||
| Q2 25 | 16.6% | -135.2% | ||
| Q1 25 | 26.3% | -10.3% | ||
| Q4 24 | 33.4% | -5.3% | ||
| Q3 24 | -255.1% | 4.1% | ||
| Q2 24 | 27.3% | -5.4% | ||
| Q1 24 | 7.3% | -6.5% |
| Q4 25 | — | $-1.68 | ||
| Q3 25 | $0.82 | $-0.08 | ||
| Q2 25 | $0.48 | $-1.15 | ||
| Q1 25 | $0.73 | $-0.09 | ||
| Q4 24 | $1.30 | $-0.04 | ||
| Q3 24 | $-6.05 | $0.03 | ||
| Q2 24 | $1.00 | $-0.04 | ||
| Q1 24 | $0.21 | $-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 | — | $115.7M |
| 总债务越低越好 | $98.0M | $280.1M |
| 股东权益账面价值 | $606.1M | $484.4M |
| 总资产 | $6.2B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.16× | 0.58× |
8季度趋势，按日历期对齐
| 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 | ||
| Q1 24 | — | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | $98.0M | $279.5M | ||
| Q2 25 | $112.3M | $279.0M | ||
| Q1 25 | $111.4M | $497.6M | ||
| Q4 24 | $113.4M | $496.8M | ||
| Q3 24 | $115.1M | $496.2M | ||
| Q2 24 | $114.8M | $435.6M | ||
| Q1 24 | $122.1M | $434.9M |
| Q4 25 | — | $484.4M | ||
| Q3 25 | $606.1M | $616.9M | ||
| Q2 25 | $589.0M | $633.7M | ||
| Q1 25 | $579.6M | $755.7M | ||
| Q4 24 | $559.7M | $761.3M | ||
| Q3 24 | $562.2M | $754.7M | ||
| Q2 24 | $543.3M | $815.4M | ||
| Q1 24 | $528.0M | $813.8M |
| Q4 25 | — | $1.2B | ||
| Q3 25 | $6.2B | $1.3B | ||
| Q2 25 | $6.2B | $1.4B | ||
| Q1 25 | $6.3B | $1.5B | ||
| Q4 24 | $6.2B | $1.6B | ||
| Q3 24 | $6.6B | $1.6B | ||
| Q2 24 | $6.6B | $1.5B | ||
| Q1 24 | $6.7B | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | 0.16× | 0.45× | ||
| Q2 25 | 0.19× | 0.44× | ||
| Q1 25 | 0.19× | 0.66× | ||
| Q4 24 | 0.20× | 0.65× | ||
| Q3 24 | 0.20× | 0.66× | ||
| Q2 24 | 0.21× | 0.53× | ||
| Q1 24 | 0.23× | 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 | $17.7M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $16.7M | $23.2M |
| 自由现金流率自由现金流/营收 | 27.3% | 29.6% |
| 资本支出强度资本支出/营收 | 1.5% | 0.1% |
| 现金转化率经营现金流/净利润 | 1.04× | — |
| 过去12个月自由现金流最近4个季度 | $109.6M | $90.7M |
8季度趋势，按日历期对齐
| Q4 25 | — | $23.3M | ||
| Q3 25 | $17.7M | $32.2M | ||
| Q2 25 | $24.9M | $33.1M | ||
| Q1 25 | $8.7M | $2.5M | ||
| Q4 24 | $63.2M | $34.3M | ||
| Q3 24 | $-2.8M | $60.1M | ||
| Q2 24 | $25.2M | $31.0M | ||
| Q1 24 | $9.6M | $24.8M |
| Q4 25 | — | $23.2M | ||
| Q3 25 | $16.7M | $32.1M | ||
| Q2 25 | $23.8M | $33.0M | ||
| Q1 25 | $8.3M | $2.4M | ||
| Q4 24 | $60.8M | $34.0M | ||
| Q3 24 | $-3.0M | $59.8M | ||
| Q2 24 | $24.6M | $30.5M | ||
| Q1 24 | $9.1M | $24.7M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | 27.3% | 41.3% | ||
| Q2 25 | 39.5% | 43.6% | ||
| Q1 25 | 14.4% | 3.0% | ||
| Q4 24 | 124.2% | 43.5% | ||
| Q3 24 | -7.9% | 75.6% | ||
| Q2 24 | 42.5% | 40.7% | ||
| Q1 24 | 20.4% | 30.6% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | 1.5% | 0.2% | ||
| Q2 25 | 1.9% | 0.1% | ||
| Q1 25 | 0.7% | 0.2% | ||
| Q4 24 | 4.9% | 0.3% | ||
| Q3 24 | 0.6% | 0.3% | ||
| Q2 24 | 1.1% | 0.6% | ||
| Q1 24 | 1.2% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 1.04× | — | ||
| Q2 25 | 2.50× | — | ||
| Q1 25 | 0.57× | — | ||
| Q4 24 | 3.87× | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | 1.60× | — | ||
| Q1 24 | 2.93× | — |
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
MOFG
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% |
