vs
OneSpan Inc.（OSPN）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
REPUBLIC BANCORP INC的季度营收约是OneSpan Inc.的1.4倍（$94.3M vs $65.9M），REPUBLIC BANCORP INC净利率更高（24.2% vs 17.5%，领先6.7%），REPUBLIC BANCORP INC同比增速更快（5.3% vs 4.1%），过去两年OneSpan Inc.的营收复合增速更高（4.0% vs -11.5%）
OneSpan Inc.是一家总部位于美国马萨诸塞州波士顿的信息安全企业，核心业务涵盖网络欺诈防御平台搭建、多因素身份验证工具提供以及电子签名软件开发，为各类机构提供专业的数字安全与身份合规管理解决方案。
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。
OSPN vs RBCAA — 直观对比
营收规模更大
RBCAA
是对方的1.4倍
$65.9M
营收增速更快
RBCAA
高出1.2%
4.1%
净利率更高
RBCAA
高出6.7%
17.5%
两年增速更快
OSPN
近两年复合增速
-11.5%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $65.9M | $94.3M |
| 净利润 | $11.6M | $22.8M |
| 毛利率 | 73.6% | — |
| 营业利润率 | 22.5% | 29.3% |
| 净利率 | 17.5% | 24.2% |
| 营收同比 | 4.1% | 5.3% |
| 净利润同比 | — | 20.0% |
| 每股收益（稀释后） | $0.39 | — |
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OSPNRBCAA
| Q1 26 | $65.9M | — | ||
| Q4 25 | $62.9M | $94.3M | ||
| Q3 25 | $57.1M | $93.5M | ||
| Q2 25 | $59.8M | $93.8M | ||
| Q1 25 | $63.4M | $135.8M | ||
| Q4 24 | $61.2M | $89.5M | ||
| Q3 24 | $56.2M | $88.1M | ||
| Q2 24 | $60.9M | $86.9M |
净利润OSPNRBCAA
| Q1 26 | $11.6M | — | ||
| Q4 25 | $43.5M | $22.8M | ||
| Q3 25 | $6.5M | $29.7M | ||
| Q2 25 | $8.3M | $31.5M | ||
| Q1 25 | $14.5M | $47.3M | ||
| Q4 24 | $28.8M | $19.0M | ||
| Q3 24 | $8.3M | $26.5M | ||
| Q2 24 | $6.6M | $25.2M |
毛利率OSPNRBCAA
| Q1 26 | 73.6% | — | ||
| Q4 25 | 73.6% | — | ||
| Q3 25 | 73.6% | — | ||
| Q2 25 | 73.5% | — | ||
| Q1 25 | 74.3% | — | ||
| Q4 24 | 74.0% | — | ||
| Q3 24 | 73.9% | — | ||
| Q2 24 | 66.2% | — |
营业利润率OSPNRBCAA
| Q1 26 | 22.5% | — | ||
| Q4 25 | 19.9% | 29.3% | ||
| Q3 25 | 14.4% | 40.4% | ||
| Q2 25 | 17.6% | 43.0% | ||
| Q1 25 | 27.1% | 44.1% | ||
| Q4 24 | 19.3% | 25.8% | ||
| Q3 24 | 20.0% | 38.4% | ||
| Q2 24 | 12.5% | 37.0% |
净利率OSPNRBCAA
| Q1 26 | 17.5% | — | ||
| Q4 25 | 69.2% | 24.2% | ||
| Q3 25 | 11.4% | 31.8% | ||
| Q2 25 | 13.9% | 33.5% | ||
| Q1 25 | 22.9% | 34.8% | ||
| Q4 24 | 47.1% | 21.2% | ||
| Q3 24 | 14.7% | 30.1% | ||
| Q2 24 | 10.8% | 29.0% |
每股收益（稀释后）OSPNRBCAA
| Q1 26 | $0.39 | — | ||
| Q4 25 | $1.13 | — | ||
| Q3 25 | $0.17 | — | ||
| Q2 25 | $0.21 | — | ||
| Q1 25 | $0.37 | — | ||
| Q4 24 | $0.73 | — | ||
| Q3 24 | $0.21 | — | ||
| Q2 24 | $0.17 | — |
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 | $49.8M | $220.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $272.0M | $1.1B |
| 总资产 | $383.1M | $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OSPNRBCAA
| Q1 26 | $49.8M | — | ||
| Q4 25 | $70.5M | $220.0M | ||
| Q3 25 | $85.6M | $484.2M | ||
| Q2 25 | $92.9M | $484.8M | ||
| Q1 25 | $105.2M | $793.0M | ||
| Q4 24 | $83.2M | $432.2M | ||
| Q3 24 | $77.5M | $530.9M | ||
| Q2 24 | $63.8M | $400.1M |
股东权益OSPNRBCAA
| Q1 26 | $272.0M | — | ||
| Q4 25 | $271.8M | $1.1B | ||
| Q3 25 | $238.3M | $1.1B | ||
| Q2 25 | $242.5M | $1.1B | ||
| Q1 25 | $231.1M | $1.0B | ||
| Q4 24 | $212.5M | $992.0M | ||
| Q3 24 | $194.6M | $979.7M | ||
| Q2 24 | $178.6M | $955.4M |
总资产OSPNRBCAA
| Q1 26 | $383.1M | — | ||
| Q4 25 | $397.7M | $7.0B | ||
| Q3 25 | $343.5M | $7.0B | ||
| Q2 25 | $357.1M | $7.0B | ||
| Q1 25 | $333.8M | $7.1B | ||
| Q4 24 | $338.7M | $6.8B | ||
| Q3 24 | $289.3M | $6.7B | ||
| Q2 24 | $286.9M | $6.6B |
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 | $28.2M | $168.2M |
| 自由现金流经营现金流 - 资本支出 | — | $161.1M |
| 自由现金流率自由现金流/营收 | — | 170.9% |
| 资本支出强度资本支出/营收 | — | 7.5% |
| 现金转化率经营现金流/净利润 | 2.44× | 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OSPNRBCAA
| Q1 26 | $28.2M | — | ||
| Q4 25 | $12.6M | $168.2M | ||
| Q3 25 | $11.3M | $33.3M | ||
| Q2 25 | $6.2M | $8.4M | ||
| Q1 25 | $29.4M | $93.2M | ||
| Q4 24 | $12.4M | $149.0M | ||
| Q3 24 | $14.0M | $51.3M | ||
| Q2 24 | $2.3M | $4.0M |
自由现金流OSPNRBCAA
| Q1 26 | — | — | ||
| Q4 25 | $9.6M | $161.1M | ||
| Q3 25 | $8.8M | $30.8M | ||
| Q2 25 | $4.4M | $5.2M | ||
| Q1 25 | $27.7M | $91.6M | ||
| Q4 24 | $10.5M | $143.2M | ||
| Q3 24 | $12.0M | $49.8M | ||
| Q2 24 | $26.0K | $2.7M |
自由现金流率OSPNRBCAA
| Q1 26 | — | — | ||
| Q4 25 | 15.3% | 170.9% | ||
| Q3 25 | 15.4% | 32.9% | ||
| Q2 25 | 7.3% | 5.5% | ||
| Q1 25 | 43.8% | 67.4% | ||
| Q4 24 | 17.1% | 160.0% | ||
| Q3 24 | 21.4% | 56.5% | ||
| Q2 24 | 0.0% | 3.1% |
资本支出强度OSPNRBCAA
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | 7.5% | ||
| Q3 25 | 4.4% | 2.6% | ||
| Q2 25 | 3.1% | 3.5% | ||
| Q1 25 | 2.6% | 1.2% | ||
| Q4 24 | 3.2% | 6.5% | ||
| Q3 24 | 3.5% | 1.7% | ||
| Q2 24 | 3.7% | 1.5% |
现金转化率OSPNRBCAA
| Q1 26 | 2.44× | — | ||
| Q4 25 | 0.29× | 7.37× | ||
| Q3 25 | 1.74× | 1.12× | ||
| Q2 25 | 0.75× | 0.27× | ||
| Q1 25 | 2.02× | 1.97× | ||
| Q4 24 | 0.43× | 7.84× | ||
| Q3 24 | 1.69× | 1.93× | ||
| Q2 24 | 0.35× | 0.16× |
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
OSPN
| Product and license | $35.5M | 54% |
| Services and other | $30.4M | 46% |
RBCAA
暂无分部数据
