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NACCO INDUSTRIES INC（NC）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NACCO INDUSTRIES INC的1.2倍（$78.6M vs $66.8M），NACCO INDUSTRIES INC净利率更高（-5.8% vs -178.3%，领先172.5%），Repay Holdings Corp同比增速更快（0.4% vs -5.2%），过去两年NACCO INDUSTRIES INC的营收复合增速更高（11.9% vs -1.3%）
纳科工业是一家总部位于美国俄亥俄州克利夫兰的上市控股公司，核心业务聚焦采矿与自然资源领域，旗下划分煤炭开采、北美采矿、矿产管理三大业务板块。其中煤炭开采板块采用服务型商业模式，依据长期合约为发电企业及活性炭生产商运营露天煤矿。
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。
NC vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.2倍
$66.8M
营收增速更快
RPAY
高出5.6%
-5.2%
净利率更高
NC
高出172.5%
-178.3%
两年增速更快
NC
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $66.8M | $78.6M |
| 净利润 | $-3.8M | $-140.1M |
| 毛利率 | 18.0% | 74.2% |
| 营业利润率 | 11.3% | -182.2% |
| 净利率 | -5.8% | -178.3% |
| 营收同比 | -5.2% | 0.4% |
| 净利润同比 | -150.8% | -3304.1% |
| 每股收益（稀释后） | $-0.53 | $-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NCRPAY
| Q4 25 | $66.8M | $78.6M | ||
| Q3 25 | $76.6M | $77.7M | ||
| Q2 25 | $68.2M | $75.6M | ||
| Q1 25 | $65.6M | $77.3M | ||
| Q4 24 | $70.4M | $78.3M | ||
| Q3 24 | $61.7M | $79.1M | ||
| Q2 24 | $52.3M | $74.9M | ||
| Q1 24 | $53.3M | $80.7M |
净利润NCRPAY
| Q4 25 | $-3.8M | $-140.1M | ||
| Q3 25 | $13.3M | $-6.4M | ||
| Q2 25 | $3.3M | $-102.3M | ||
| Q1 25 | $4.9M | $-7.9M | ||
| Q4 24 | $7.6M | $-4.1M | ||
| Q3 24 | $15.6M | $3.2M | ||
| Q2 24 | $6.0M | $-4.1M | ||
| Q1 24 | $4.6M | $-5.2M |
毛利率NCRPAY
| Q4 25 | 18.0% | 74.2% | ||
| Q3 25 | 13.0% | 74.4% | ||
| Q2 25 | 10.0% | 75.7% | ||
| Q1 25 | 14.7% | 75.9% | ||
| Q4 24 | 12.0% | 76.3% | ||
| Q3 24 | 11.7% | 77.8% | ||
| Q2 24 | 13.4% | 78.2% | ||
| Q1 24 | 13.2% | 76.2% |
营业利润率NCRPAY
| Q4 25 | 11.3% | -182.2% | ||
| Q3 25 | 8.8% | -3.9% | ||
| Q2 25 | -0.1% | -138.7% | ||
| Q1 25 | 11.7% | -4.7% | ||
| Q4 24 | 5.5% | -1.5% | ||
| Q3 24 | 31.9% | -0.9% | ||
| Q2 24 | 14.1% | -4.6% | ||
| Q1 24 | 8.9% | -3.1% |
净利率NCRPAY
| Q4 25 | -5.8% | -178.3% | ||
| Q3 25 | 17.3% | -8.3% | ||
| Q2 25 | 4.8% | -135.2% | ||
| Q1 25 | 7.5% | -10.3% | ||
| Q4 24 | 10.7% | -5.3% | ||
| Q3 24 | 25.4% | 4.1% | ||
| Q2 24 | 11.4% | -5.4% | ||
| Q1 24 | 8.6% | -6.5% |
每股收益（稀释后）NCRPAY
| Q4 25 | $-0.53 | $-1.68 | ||
| Q3 25 | $1.78 | $-0.08 | ||
| Q2 25 | $0.44 | $-1.15 | ||
| Q1 25 | $0.66 | $-0.09 | ||
| Q4 24 | $0.99 | $-0.04 | ||
| Q3 24 | $2.14 | $0.03 | ||
| Q2 24 | $0.81 | $-0.04 | ||
| Q1 24 | $0.61 | $-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 | $49.7M | $115.7M |
| 总债务越低越好 | $100.8M | $280.1M |
| 股东权益账面价值 | $429.2M | $484.4M |
| 总资产 | $661.2M | $1.2B |
| 负债/权益比越低杠杆越低 | 0.23× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资NCRPAY
| Q4 25 | $49.7M | $115.7M | ||
| Q3 25 | $52.7M | $95.7M | ||
| Q2 25 | $49.4M | $162.6M | ||
| Q1 25 | $61.9M | $165.5M | ||
| Q4 24 | $72.8M | $189.5M | ||
| Q3 24 | $63.1M | $168.7M | ||
| Q2 24 | $62.4M | $147.1M | ||
| Q1 24 | $61.8M | $128.3M |
总债务NCRPAY
| Q4 25 | $100.8M | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | $99.4M | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | $29.0M | $435.6M | ||
| Q1 24 | $28.4M | $434.9M |
股东权益NCRPAY
| Q4 25 | $429.2M | $484.4M | ||
| Q3 25 | $426.4M | $616.9M | ||
| Q2 25 | $413.1M | $633.7M | ||
| Q1 25 | $409.1M | $755.7M | ||
| Q4 24 | $404.9M | $761.3M | ||
| Q3 24 | $397.3M | $754.7M | ||
| Q2 24 | $384.1M | $815.4M | ||
| Q1 24 | $381.6M | $813.8M |
总资产NCRPAY
| Q4 25 | $661.2M | $1.2B | ||
| Q3 25 | $637.6M | $1.3B | ||
| Q2 25 | $631.3M | $1.4B | ||
| Q1 25 | $634.2M | $1.5B | ||
| Q4 24 | $631.7M | $1.6B | ||
| Q3 24 | $597.4M | $1.6B | ||
| Q2 24 | $560.1M | $1.5B | ||
| Q1 24 | $538.0M | $1.5B |
负债/权益比NCRPAY
| Q4 25 | 0.23× | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 0.25× | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | 0.08× | 0.53× | ||
| Q1 24 | 0.07× | 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 | $11.4M | $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NCRPAY
| Q4 25 | $11.4M | $23.3M | ||
| Q3 25 | $42.3M | $32.2M | ||
| Q2 25 | $-7.8M | $33.1M | ||
| Q1 25 | $5.0M | $2.5M | ||
| Q4 24 | $25.2M | $34.3M | ||
| Q3 24 | $2.8M | $60.1M | ||
| Q2 24 | $4.1M | $31.0M | ||
| Q1 24 | $-9.8M | $24.8M |
自由现金流NCRPAY
| 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NCRPAY
| 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NCRPAY
| 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NCRPAY
| Q4 25 | — | — | ||
| Q3 25 | 3.19× | — | ||
| Q2 25 | -2.39× | — | ||
| Q1 25 | 1.03× | — | ||
| Q4 24 | 3.33× | — | ||
| Q3 24 | 0.18× | 18.52× | ||
| Q2 24 | 0.68× | — | ||
| Q1 24 | -2.14× | — |
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
NC
| Transferred Over Time | $42.7M | 64% |
| Transferred At Point In Time | $24.1M | 36% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
