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Paymentus Holdings, Inc.（PAY）与GIBRALTAR INDUSTRIES, INC.（ROCK）财务数据对比。点击上方公司名可切换其他公司
Paymentus Holdings, Inc.的季度营收约是GIBRALTAR INDUSTRIES, INC.的1.5倍（$330.5M vs $225.0M），Paymentus Holdings, Inc.同比增速更快（28.1% vs 24.9%），Paymentus Holdings, Inc.自由现金流更多（$45.0M vs $26.2M），过去两年Paymentus Holdings, Inc.的营收复合增速更高（33.7% vs -12.3%）
Paymentus Holdings, Inc.是领先的云原生账单支付与客户互动技术服务商，面向公用事业、金融服务、政府、医疗、电信等领域企业提供集成数字支付解决方案、账单自动化工具和自助服务门户，核心业务覆盖北美市场。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
PAY vs ROCK — 直观对比
营收规模更大
PAY
是对方的1.5倍
$225.0M
营收增速更快
PAY
高出3.2%
24.9%
自由现金流更多
PAY
多$18.8M
$26.2M
两年增速更快
PAY
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $330.5M | $225.0M |
| 净利润 | $20.7M | — |
| 毛利率 | 25.4% | 25.3% |
| 营业利润率 | 7.3% | 7.9% |
| 净利率 | 6.3% | — |
| 营收同比 | 28.1% | 24.9% |
| 净利润同比 | 57.2% | — |
| 每股收益（稀释后） | $0.16 | — |
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PAYROCK
| Q4 25 | $330.5M | $225.0M | ||
| Q3 25 | $310.7M | $310.9M | ||
| Q2 25 | $280.1M | $309.5M | ||
| Q1 25 | $275.2M | $290.0M | ||
| Q4 24 | $257.9M | $180.1M | ||
| Q3 24 | $231.6M | $277.1M | ||
| Q2 24 | $197.4M | $273.6M | ||
| Q1 24 | $184.9M | $292.5M |
净利润PAYROCK
| Q4 25 | $20.7M | — | ||
| Q3 25 | $17.7M | $-89.1M | ||
| Q2 25 | $14.7M | $26.0M | ||
| Q1 25 | $13.8M | $21.1M | ||
| Q4 24 | $13.1M | — | ||
| Q3 24 | $14.4M | $34.0M | ||
| Q2 24 | $9.4M | $32.2M | ||
| Q1 24 | $7.2M | $24.9M |
毛利率PAYROCK
| Q4 25 | 25.4% | 25.3% | ||
| Q3 25 | 24.1% | 26.6% | ||
| Q2 25 | 25.5% | 28.4% | ||
| Q1 25 | 24.0% | 26.8% | ||
| Q4 24 | 25.6% | 29.0% | ||
| Q3 24 | 26.2% | 29.4% | ||
| Q2 24 | 29.8% | 30.5% | ||
| Q1 24 | 28.5% | 28.9% |
营业利润率PAYROCK
| Q4 25 | 7.3% | 7.9% | ||
| Q3 25 | 6.4% | 12.8% | ||
| Q2 25 | 5.7% | 12.8% | ||
| Q1 25 | 5.7% | 8.8% | ||
| Q4 24 | 5.5% | 13.3% | ||
| Q3 24 | 5.2% | 15.6% | ||
| Q2 24 | 5.2% | 14.9% | ||
| Q1 24 | 4.5% | 10.8% |
净利率PAYROCK
| Q4 25 | 6.3% | — | ||
| Q3 25 | 5.7% | -28.6% | ||
| Q2 25 | 5.3% | 8.4% | ||
| Q1 25 | 5.0% | 7.3% | ||
| Q4 24 | 5.1% | — | ||
| Q3 24 | 6.2% | 12.3% | ||
| Q2 24 | 4.7% | 11.8% | ||
| Q1 24 | 3.9% | 8.5% |
每股收益（稀释后）PAYROCK
| Q4 25 | $0.16 | — | ||
| Q3 25 | $0.14 | $-2.98 | ||
| Q2 25 | $0.11 | $0.87 | ||
| Q1 25 | $0.11 | — | ||
| Q4 24 | $0.11 | — | ||
| Q3 24 | $0.11 | $1.11 | ||
| Q2 24 | $0.07 | $1.05 | ||
| Q1 24 | $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 | $320.9M | $115.7M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $560.4M | $950.4M |
| 总资产 | $667.9M | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资PAYROCK
| Q4 25 | $320.9M | $115.7M | ||
| Q3 25 | $287.9M | $89.4M | ||
| Q2 25 | $266.4M | $43.3M | ||
| Q1 25 | $245.8M | $25.1M | ||
| Q4 24 | $205.9M | $269.5M | ||
| Q3 24 | $187.5M | $228.9M | ||
| Q2 24 | $188.8M | $179.1M | ||
| Q1 24 | $180.1M | $146.7M |
总债务PAYROCK
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $0 |
股东权益PAYROCK
| Q4 25 | $560.4M | $950.4M | ||
| Q3 25 | $537.4M | $951.8M | ||
| Q2 25 | $516.7M | $1.0B | ||
| Q1 25 | $500.4M | $1.0B | ||
| Q4 24 | $485.6M | $1.0B | ||
| Q3 24 | $468.8M | $1.0B | ||
| Q2 24 | $451.6M | $975.7M | ||
| Q1 24 | $439.4M | $940.2M |
总资产PAYROCK
| Q4 25 | $667.9M | $1.4B | ||
| Q3 25 | $644.4M | $1.4B | ||
| Q2 25 | $609.5M | $1.5B | ||
| Q1 25 | $590.9M | $1.4B | ||
| Q4 24 | $576.2M | $1.4B | ||
| Q3 24 | $552.9M | $1.4B | ||
| Q2 24 | $527.7M | $1.4B | ||
| Q1 24 | $514.0M | $1.3B |
负债/权益比PAYROCK
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 0.00× |
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 | $45.1M | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $45.0M | $26.2M |
| 自由现金流率自由现金流/营收 | 13.6% | 11.7% |
| 资本支出强度资本支出/营收 | 0.0% | 4.1% |
| 现金转化率经营现金流/净利润 | 2.18× | — |
| 过去12个月自由现金流最近4个季度 | $161.8M | $120.6M |
8季度趋势，按日历期对齐
经营现金流PAYROCK
| Q4 25 | $45.1M | $35.5M | ||
| Q3 25 | $35.1M | $73.0M | ||
| Q2 25 | $31.5M | $44.9M | ||
| Q1 25 | $50.4M | $13.7M | ||
| Q4 24 | $27.9M | $19.9M | ||
| Q3 24 | $6.7M | $64.7M | ||
| Q2 24 | $18.0M | $36.5M | ||
| Q1 24 | $11.0M | $53.2M |
自由现金流PAYROCK
| Q4 25 | $45.0M | $26.2M | ||
| Q3 25 | $35.0M | $64.8M | ||
| Q2 25 | $31.4M | $27.3M | ||
| Q1 25 | $50.4M | $2.3M | ||
| Q4 24 | $27.8M | $14.1M | ||
| Q3 24 | $6.7M | $60.5M | ||
| Q2 24 | $17.8M | $33.5M | ||
| Q1 24 | $10.8M | $48.8M |
自由现金流率PAYROCK
| Q4 25 | 13.6% | 11.7% | ||
| Q3 25 | 11.3% | 20.8% | ||
| Q2 25 | 11.2% | 8.8% | ||
| Q1 25 | 18.3% | 0.8% | ||
| Q4 24 | 10.8% | 7.8% | ||
| Q3 24 | 2.9% | 21.8% | ||
| Q2 24 | 9.0% | 12.2% | ||
| Q1 24 | 5.9% | 16.7% |
资本支出强度PAYROCK
| Q4 25 | 0.0% | 4.1% | ||
| Q3 25 | 0.0% | 2.6% | ||
| Q2 25 | 0.0% | 5.7% | ||
| Q1 25 | 0.0% | 3.9% | ||
| Q4 24 | 0.0% | 3.3% | ||
| Q3 24 | 0.0% | 1.5% | ||
| Q2 24 | 0.1% | 1.1% | ||
| Q1 24 | 0.1% | 1.5% |
现金转化率PAYROCK
| Q4 25 | 2.18× | — | ||
| Q3 25 | 1.98× | — | ||
| Q2 25 | 2.14× | 1.73× | ||
| Q1 25 | 3.65× | 0.65× | ||
| Q4 24 | 2.12× | — | ||
| Q3 24 | 0.47× | 1.90× | ||
| Q2 24 | 1.93× | 1.13× | ||
| Q1 24 | 1.52× | 2.13× |
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
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
