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Offerpad Solutions Inc.（OPAD）与REPUBLIC BANCORP INC（RBCAA）财务数据对比。点击上方公司名可切换其他公司
Offerpad Solutions Inc.的季度营收约是REPUBLIC BANCORP INC的1.2倍（$114.1M vs $94.3M），REPUBLIC BANCORP INC同比增速更快（5.3% vs -34.5%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $65.7M），过去两年REPUBLIC BANCORP INC的营收复合增速更高（-11.5% vs -36.8%）
Offerpad Solutions Inc是美国知名房地产科技企业，专注于简化住宅房产交易流程，采用iBuyer模式直接向卖家收购房屋，完成翻新后挂牌出售，同时提供按揭、产权服务、灵活搬迁方案等配套服务，业务覆盖美国数十个州。
肯塔基州共和银行是美国的一家区域性银行控股企业，提供零售及商业银行全品类服务，涵盖个人存贷款、企业融资、按揭产品及财富管理解决方案，主要服务肯塔基州及周边州的个人消费者和中小企业客户。
OPAD vs RBCAA — 直观对比
营收规模更大
OPAD
是对方的1.2倍
$94.3M
营收增速更快
RBCAA
高出39.8%
-34.5%
自由现金流更多
RBCAA
多$95.4M
$65.7M
两年增速更快
RBCAA
近两年复合增速
-36.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $114.1M | $94.3M |
| 净利润 | — | $22.8M |
| 毛利率 | 7.0% | — |
| 营业利润率 | — | 29.3% |
| 净利率 | — | 24.2% |
| 营收同比 | -34.5% | 5.3% |
| 净利润同比 | 49.1% | 20.0% |
| 每股收益（稀释后） | — | — |
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OPADRBCAA
| Q4 25 | $114.1M | $94.3M | ||
| Q3 25 | $132.7M | $93.5M | ||
| Q2 25 | $160.3M | $93.8M | ||
| Q1 25 | $160.7M | $135.8M | ||
| Q4 24 | $174.3M | $89.5M | ||
| Q3 24 | $208.1M | $88.1M | ||
| Q2 24 | $251.1M | $86.9M | ||
| Q1 24 | $285.4M | $120.3M |
净利润OPADRBCAA
| Q4 25 | — | $22.8M | ||
| Q3 25 | $-11.6M | $29.7M | ||
| Q2 25 | $-10.9M | $31.5M | ||
| Q1 25 | $-15.1M | $47.3M | ||
| Q4 24 | $-17.3M | $19.0M | ||
| Q3 24 | $-13.5M | $26.5M | ||
| Q2 24 | $-13.8M | $25.2M | ||
| Q1 24 | $-17.5M | $30.6M |
毛利率OPADRBCAA
| Q4 25 | 7.0% | — | ||
| Q3 25 | 7.0% | — | ||
| Q2 25 | 8.9% | — | ||
| Q1 25 | 6.5% | — | ||
| Q4 24 | 6.1% | — | ||
| Q3 24 | 8.2% | — | ||
| Q2 24 | 8.7% | — | ||
| Q1 24 | 7.9% | — |
营业利润率OPADRBCAA
| Q4 25 | — | 29.3% | ||
| Q3 25 | -5.1% | 40.4% | ||
| Q2 25 | -4.9% | 43.0% | ||
| Q1 25 | -7.2% | 44.1% | ||
| Q4 24 | -7.8% | 25.8% | ||
| Q3 24 | -4.3% | 38.4% | ||
| Q2 24 | -3.9% | 37.0% | ||
| Q1 24 | -4.8% | 32.2% |
净利率OPADRBCAA
| Q4 25 | — | 24.2% | ||
| Q3 25 | -8.7% | 31.8% | ||
| Q2 25 | -6.8% | 33.5% | ||
| Q1 25 | -9.4% | 34.8% | ||
| Q4 24 | -9.9% | 21.2% | ||
| Q3 24 | -6.5% | 30.1% | ||
| Q2 24 | -5.5% | 29.0% | ||
| Q1 24 | -6.1% | 25.4% |
每股收益（稀释后）OPADRBCAA
| Q4 25 | — | — | ||
| Q3 25 | $-0.37 | — | ||
| Q2 25 | $-0.39 | — | ||
| Q1 25 | $-0.55 | — | ||
| Q4 24 | $-0.64 | — | ||
| Q3 24 | $-0.49 | — | ||
| Q2 24 | $-0.50 | — | ||
| Q1 24 | $-0.64 | — |
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 | $26.5M | $220.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $38.2M | $1.1B |
| 总资产 | $154.8M | $7.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资OPADRBCAA
| Q4 25 | $26.5M | $220.0M | ||
| Q3 25 | $31.0M | $484.2M | ||
| Q2 25 | $22.6M | $484.8M | ||
| Q1 25 | $30.8M | $793.0M | ||
| Q4 24 | $43.0M | $432.2M | ||
| Q3 24 | $48.5M | $530.9M | ||
| Q2 24 | $56.9M | $400.1M | ||
| Q1 24 | $68.5M | $546.4M |
股东权益OPADRBCAA
| Q4 25 | $38.2M | $1.1B | ||
| Q3 25 | $39.9M | $1.1B | ||
| Q2 25 | $24.5M | $1.1B | ||
| Q1 25 | $34.2M | $1.0B | ||
| Q4 24 | $47.7M | $992.0M | ||
| Q3 24 | $64.7M | $979.7M | ||
| Q2 24 | $77.6M | $955.4M | ||
| Q1 24 | $88.1M | $935.6M |
总资产OPADRBCAA
| Q4 25 | $154.8M | $7.0B | ||
| Q3 25 | $223.5M | $7.0B | ||
| Q2 25 | $268.0M | $7.0B | ||
| Q1 25 | $274.5M | $7.1B | ||
| Q4 24 | $313.1M | $6.8B | ||
| Q3 24 | $338.5M | $6.7B | ||
| Q2 24 | $406.6M | $6.6B | ||
| Q1 24 | $369.7M | $6.9B |
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 | $66.8M | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $65.7M | $161.1M |
| 自由现金流率自由现金流/营收 | 57.6% | 170.9% |
| 资本支出强度资本支出/营收 | 0.9% | 7.5% |
| 现金转化率经营现金流/净利润 | — | 7.37× |
| 过去12个月自由现金流最近4个季度 | — | $288.6M |
8季度趋势，按日历期对齐
经营现金流OPADRBCAA
| Q4 25 | $66.8M | $168.2M | ||
| Q3 25 | $40.0M | $33.3M | ||
| Q2 25 | $-13.5M | $8.4M | ||
| Q1 25 | $-10.2M | $93.2M | ||
| Q4 24 | $20.8M | $149.0M | ||
| Q3 24 | $39.6M | $51.3M | ||
| Q2 24 | $-54.4M | $4.0M | ||
| Q1 24 | $2.4M | $71.2M |
自由现金流OPADRBCAA
| Q4 25 | $65.7M | $161.1M | ||
| Q3 25 | — | $30.8M | ||
| Q2 25 | $-13.6M | $5.2M | ||
| Q1 25 | $-11.2M | $91.6M | ||
| Q4 24 | $15.4M | $143.2M | ||
| Q3 24 | $38.7M | $49.8M | ||
| Q2 24 | $-54.4M | $2.7M | ||
| Q1 24 | $2.0M | $69.1M |
自由现金流率OPADRBCAA
| Q4 25 | 57.6% | 170.9% | ||
| Q3 25 | — | 32.9% | ||
| Q2 25 | -8.5% | 5.5% | ||
| Q1 25 | -7.0% | 67.4% | ||
| Q4 24 | 8.9% | 160.0% | ||
| Q3 24 | 18.6% | 56.5% | ||
| Q2 24 | -21.7% | 3.1% | ||
| Q1 24 | 0.7% | 57.5% |
资本支出强度OPADRBCAA
| Q4 25 | 0.9% | 7.5% | ||
| Q3 25 | 0.0% | 2.6% | ||
| Q2 25 | 0.1% | 3.5% | ||
| Q1 25 | 0.6% | 1.2% | ||
| Q4 24 | 3.1% | 6.5% | ||
| Q3 24 | 0.4% | 1.7% | ||
| Q2 24 | 0.0% | 1.5% | ||
| Q1 24 | 0.1% | 1.7% |
现金转化率OPADRBCAA
| Q4 25 | — | 7.37× | ||
| Q3 25 | — | 1.12× | ||
| Q2 25 | — | 0.27× | ||
| Q1 25 | — | 1.97× | ||
| Q4 24 | — | 7.84× | ||
| Q3 24 | — | 1.93× | ||
| Q2 24 | — | 0.16× | ||
| Q1 24 | — | 2.33× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
