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NICOLET BANKSHARES INC（NIC）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
NICOLET BANKSHARES INC的季度营收约是Repay Holdings Corp的1.3倍（$104.0M vs $78.6M），NICOLET BANKSHARES INC净利率更高（38.8% vs -178.3%，领先217.1%），NICOLET BANKSHARES INC同比增速更快（12.5% vs 0.4%），NICOLET BANKSHARES INC自由现金流更多（$149.4M vs $23.2M），过去两年NICOLET BANKSHARES INC的营收复合增速更高（12.5% vs -1.3%）
尼克利特银行股份有限公司是总部位于美国威斯康星州格林贝的区域性银行控股企业，旗下核心子公司为尼克利特国家银行，是威斯康星州本土规模第二大的银行。
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。
NIC vs RPAY — 直观对比
营收规模更大
NIC
是对方的1.3倍
$78.6M
营收增速更快
NIC
高出12.1%
0.4%
净利率更高
NIC
高出217.1%
-178.3%
自由现金流更多
NIC
多$126.2M
$23.2M
两年增速更快
NIC
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $104.0M | $78.6M |
| 净利润 | $40.3M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 48.3% | -182.2% |
| 净利率 | 38.8% | -178.3% |
| 营收同比 | 12.5% | 0.4% |
| 净利润同比 | 16.9% | -3304.1% |
| 每股收益（稀释后） | $2.63 | $-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NICRPAY
| Q4 25 | $104.0M | $78.6M | ||
| Q3 25 | $102.9M | $77.7M | ||
| Q2 25 | $95.7M | $75.6M | ||
| Q1 25 | $89.4M | $77.3M | ||
| Q4 24 | $92.4M | $78.3M | ||
| Q3 24 | $90.7M | $79.1M | ||
| Q2 24 | $85.0M | $74.9M | ||
| Q1 24 | $82.2M | $80.7M |
净利润NICRPAY
| Q4 25 | $40.3M | $-140.1M | ||
| Q3 25 | $41.7M | $-6.4M | ||
| Q2 25 | $36.0M | $-102.3M | ||
| Q1 25 | $32.6M | $-7.9M | ||
| Q4 24 | $34.5M | $-4.1M | ||
| Q3 24 | $32.5M | $3.2M | ||
| Q2 24 | $29.3M | $-4.1M | ||
| Q1 24 | $27.8M | $-5.2M |
毛利率NICRPAY
| 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NICRPAY
| Q4 25 | 48.3% | -182.2% | ||
| Q3 25 | 50.4% | -3.9% | ||
| Q2 25 | 46.8% | -138.7% | ||
| Q1 25 | 44.9% | -4.7% | ||
| Q4 24 | 46.8% | -1.5% | ||
| Q3 24 | 45.0% | -0.9% | ||
| Q2 24 | 43.3% | -4.6% | ||
| Q1 24 | 41.8% | -3.1% |
净利率NICRPAY
| Q4 25 | 38.8% | -178.3% | ||
| Q3 25 | 40.6% | -8.3% | ||
| Q2 25 | 37.6% | -135.2% | ||
| Q1 25 | 36.4% | -10.3% | ||
| Q4 24 | 37.3% | -5.3% | ||
| Q3 24 | 35.8% | 4.1% | ||
| Q2 24 | 34.5% | -5.4% | ||
| Q1 24 | 33.8% | -6.5% |
每股收益（稀释后）NICRPAY
| Q4 25 | $2.63 | $-1.68 | ||
| Q3 25 | $2.73 | $-0.08 | ||
| Q2 25 | $2.34 | $-1.15 | ||
| Q1 25 | $2.08 | $-0.09 | ||
| Q4 24 | $2.21 | $-0.04 | ||
| Q3 24 | $2.10 | $0.03 | ||
| Q2 24 | $1.92 | $-0.04 | ||
| Q1 24 | $1.82 | $-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 | $134.9M | $280.1M |
| 股东权益账面价值 | $1.3B | $484.4M |
| 总资产 | $9.2B | $1.2B |
| 负债/权益比越低杠杆越低 | 0.11× | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资NICRPAY
| 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 |
总债务NICRPAY
| Q4 25 | $134.9M | $280.1M | ||
| Q3 25 | $134.6M | $279.5M | ||
| Q2 25 | $134.3M | $279.0M | ||
| Q1 25 | $156.6M | $497.6M | ||
| Q4 24 | $161.4M | $496.8M | ||
| Q3 24 | $161.2M | $496.2M | ||
| Q2 24 | $162.4M | $435.6M | ||
| Q1 24 | $162.3M | $434.9M |
股东权益NICRPAY
| Q4 25 | $1.3B | $484.4M | ||
| Q3 25 | $1.2B | $616.9M | ||
| Q2 25 | $1.2B | $633.7M | ||
| Q1 25 | $1.2B | $755.7M | ||
| Q4 24 | $1.2B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.1B | $815.4M | ||
| Q1 24 | $1.1B | $813.8M |
总资产NICRPAY
| Q4 25 | $9.2B | $1.2B | ||
| Q3 25 | $9.0B | $1.3B | ||
| Q2 25 | $8.9B | $1.4B | ||
| Q1 25 | $9.0B | $1.5B | ||
| Q4 24 | $8.8B | $1.6B | ||
| Q3 24 | $8.6B | $1.6B | ||
| Q2 24 | $8.6B | $1.5B | ||
| Q1 24 | $8.4B | $1.5B |
负债/权益比NICRPAY
| Q4 25 | 0.11× | 0.58× | ||
| Q3 25 | 0.11× | 0.45× | ||
| Q2 25 | 0.11× | 0.44× | ||
| Q1 25 | 0.13× | 0.66× | ||
| Q4 24 | 0.14× | 0.65× | ||
| Q3 24 | 0.14× | 0.66× | ||
| Q2 24 | 0.15× | 0.53× | ||
| Q1 24 | 0.15× | 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 | $153.5M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $149.4M | $23.2M |
| 自由现金流率自由现金流/营收 | 143.7% | 29.6% |
| 资本支出强度资本支出/营收 | 3.9% | 0.1% |
| 现金转化率经营现金流/净利润 | 3.81× | — |
| 过去12个月自由现金流最近4个季度 | $275.0M | $90.7M |
8季度趋势，按日历期对齐
经营现金流NICRPAY
| Q4 25 | $153.5M | $23.3M | ||
| Q3 25 | $45.9M | $32.2M | ||
| Q2 25 | $38.9M | $33.1M | ||
| Q1 25 | $41.8M | $2.5M | ||
| Q4 24 | $133.7M | $34.3M | ||
| Q3 24 | $39.6M | $60.1M | ||
| Q2 24 | $37.3M | $31.0M | ||
| Q1 24 | $23.4M | $24.8M |
自由现金流NICRPAY
| Q4 25 | $149.4M | $23.2M | ||
| Q3 25 | $45.9M | $32.1M | ||
| Q2 25 | $38.4M | $33.0M | ||
| Q1 25 | $41.3M | $2.4M | ||
| Q4 24 | $116.8M | $34.0M | ||
| Q3 24 | $34.7M | $59.8M | ||
| Q2 24 | $34.4M | $30.5M | ||
| Q1 24 | $20.1M | $24.7M |
自由现金流率NICRPAY
| Q4 25 | 143.7% | 29.6% | ||
| Q3 25 | 44.6% | 41.3% | ||
| Q2 25 | 40.1% | 43.6% | ||
| Q1 25 | 46.2% | 3.0% | ||
| Q4 24 | 126.4% | 43.5% | ||
| Q3 24 | 38.3% | 75.6% | ||
| Q2 24 | 40.5% | 40.7% | ||
| Q1 24 | 24.4% | 30.6% |
资本支出强度NICRPAY
| Q4 25 | 3.9% | 0.1% | ||
| Q3 25 | 0.0% | 0.2% | ||
| Q2 25 | 0.6% | 0.1% | ||
| Q1 25 | 0.5% | 0.2% | ||
| Q4 24 | 18.3% | 0.3% | ||
| Q3 24 | 5.4% | 0.3% | ||
| Q2 24 | 3.5% | 0.6% | ||
| Q1 24 | 4.0% | 0.1% |
现金转化率NICRPAY
| Q4 25 | 3.81× | — | ||
| Q3 25 | 1.10× | — | ||
| Q2 25 | 1.08× | — | ||
| Q1 25 | 1.28× | — | ||
| Q4 24 | 3.88× | — | ||
| Q3 24 | 1.22× | 18.52× | ||
| Q2 24 | 1.28× | — | ||
| Q1 24 | 0.84× | — |
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
NIC
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% |
