vs
Paysign, Inc.（PAYS）与RBB Bancorp（RBB）财务数据对比。点击上方公司名可切换其他公司
RBB Bancorp的季度营收约是Paysign, Inc.的1.4倍（$32.3M vs $22.8M），RBB Bancorp净利率更高（31.5% vs 6.0%，领先25.5%），Paysign, Inc.同比增速更快（45.8% vs 12.6%），Paysign, Inc.自由现金流更多（$47.5M vs $42.6M），过去两年Paysign, Inc.的营收复合增速更高（31.3% vs 7.0%）
Paysign, Inc.是一家专业支付解决方案提供商，主打定制化预付卡项目、端到端支付处理服务及数字发放工具，核心服务领域覆盖医疗保健、企业激励与大众消费市场，主要业务和客户群体分布于北美地区。
RBB银行控股公司是总部位于美国的金融控股集团，旗下核心主体为皇家商业银行，主要服务亚裔社群、中小微企业、不动产投资者及零售客户，提供商业信贷、储蓄存款、财富管理等多元金融服务，业务覆盖美国沿海核心都会区。
PAYS vs RBB — 直观对比
营收规模更大
RBB
是对方的1.4倍
$22.8M
营收增速更快
PAYS
高出33.2%
12.6%
净利率更高
RBB
高出25.5%
6.0%
自由现金流更多
PAYS
多$4.9M
$42.6M
两年增速更快
PAYS
近两年复合增速
7.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $22.8M | $32.3M |
| 净利润 | $1.4M | $10.2M |
| 毛利率 | 57.7% | — |
| 营业利润率 | 8.1% | 39.5% |
| 净利率 | 6.0% | 31.5% |
| 营收同比 | 45.8% | 12.6% |
| 净利润同比 | -0.7% | 132.1% |
| 每股收益（稀释后） | $0.02 | $0.59 |
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PAYSRBB
| Q4 25 | $22.8M | $32.3M | ||
| Q3 25 | $21.6M | $32.6M | ||
| Q2 25 | $19.1M | $35.8M | ||
| Q1 25 | $18.6M | $28.5M | ||
| Q4 24 | $15.6M | $28.7M | ||
| Q3 24 | $15.3M | $30.3M | ||
| Q2 24 | $14.3M | $27.5M | ||
| Q1 24 | $13.2M | $28.2M |
净利润PAYSRBB
| Q4 25 | $1.4M | $10.2M | ||
| Q3 25 | $2.2M | $10.1M | ||
| Q2 25 | $1.4M | $9.3M | ||
| Q1 25 | $2.6M | $2.3M | ||
| Q4 24 | $1.4M | $4.4M | ||
| Q3 24 | $1.4M | $7.0M | ||
| Q2 24 | $697.1K | $7.2M | ||
| Q1 24 | $309.1K | $8.0M |
毛利率PAYSRBB
| Q4 25 | 57.7% | — | ||
| Q3 25 | 56.3% | — | ||
| Q2 25 | 61.6% | — | ||
| Q1 25 | 62.9% | — | ||
| Q4 24 | 58.9% | — | ||
| Q3 24 | 55.5% | — | ||
| Q2 24 | 52.9% | — | ||
| Q1 24 | 52.6% | — |
营业利润率PAYSRBB
| Q4 25 | 8.1% | 39.5% | ||
| Q3 25 | 7.3% | 40.7% | ||
| Q2 25 | 7.5% | 36.1% | ||
| Q1 25 | 13.4% | 11.2% | ||
| Q4 24 | 3.0% | 17.6% | ||
| Q3 24 | 4.5% | 31.6% | ||
| Q2 24 | 0.9% | 35.6% | ||
| Q1 24 | -2.0% | 39.9% |
净利率PAYSRBB
| Q4 25 | 6.0% | 31.5% | ||
| Q3 25 | 10.3% | 31.2% | ||
| Q2 25 | 7.3% | 26.1% | ||
| Q1 25 | 13.9% | 8.0% | ||
| Q4 24 | 8.8% | 15.3% | ||
| Q3 24 | 9.4% | 23.1% | ||
| Q2 24 | 4.9% | 26.4% | ||
| Q1 24 | 2.3% | 28.4% |
每股收益（稀释后）PAYSRBB
| Q4 25 | $0.02 | $0.59 | ||
| Q3 25 | $0.04 | $0.59 | ||
| Q2 25 | $0.02 | $0.52 | ||
| Q1 25 | $0.05 | $0.13 | ||
| Q4 24 | $0.02 | $0.26 | ||
| Q3 24 | $0.03 | $0.39 | ||
| Q2 24 | $0.01 | $0.39 | ||
| Q1 24 | $0.01 | $0.43 |
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 | — | $212.3M |
| 总债务越低越好 | — | $119.9M |
| 股东权益账面价值 | $48.5M | $523.4M |
| 总资产 | $276.3M | $4.2B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资PAYSRBB
| Q4 25 | — | $212.3M | ||
| Q3 25 | — | $234.9M | ||
| Q2 25 | — | $191.9M | ||
| Q1 25 | — | $238.8M | ||
| Q4 24 | — | $257.7M | ||
| Q3 24 | — | $349.4M | ||
| Q2 24 | — | $252.8M | ||
| Q1 24 | — | — |
总债务PAYSRBB
| Q4 25 | — | $119.9M | ||
| Q3 25 | — | $119.8M | ||
| Q2 25 | — | $119.7M | ||
| Q1 25 | — | $119.6M | ||
| Q4 24 | — | $119.5M | ||
| Q3 24 | — | $119.4M | ||
| Q2 24 | — | $119.3M | ||
| Q1 24 | — | $119.2M |
股东权益PAYSRBB
| Q4 25 | $48.5M | $523.4M | ||
| Q3 25 | $45.8M | $514.3M | ||
| Q2 25 | $42.2M | $517.7M | ||
| Q1 25 | $39.3M | $510.3M | ||
| Q4 24 | $30.4M | $507.9M | ||
| Q3 24 | $28.5M | $509.7M | ||
| Q2 24 | $26.9M | $511.3M | ||
| Q1 24 | $25.5M | $514.0M |
总资产PAYSRBB
| Q4 25 | $276.3M | $4.2B | ||
| Q3 25 | $209.5M | $4.2B | ||
| Q2 25 | $193.9M | $4.1B | ||
| Q1 25 | $205.1M | $4.0B | ||
| Q4 24 | $179.0M | $4.0B | ||
| Q3 24 | $167.0M | $4.0B | ||
| Q2 24 | $182.3M | $3.9B | ||
| Q1 24 | $173.0M | $3.9B |
负债/权益比PAYSRBB
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.23× | ||
| Q4 24 | — | 0.24× | ||
| Q3 24 | — | 0.23× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.23× |
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 | $48.1M | $43.4M |
| 自由现金流经营现金流 - 资本支出 | $47.5M | $42.6M |
| 自由现金流率自由现金流/营收 | 208.7% | 131.8% |
| 资本支出强度资本支出/营收 | 2.6% | 2.5% |
| 现金转化率经营现金流/净利润 | 35.29× | 4.26× |
| 过去12个月自由现金流最近4个季度 | $51.2M | $73.5M |
8季度趋势，按日历期对齐
经营现金流PAYSRBB
| Q4 25 | $48.1M | $43.4M | ||
| Q3 25 | $6.8M | $2.1M | ||
| Q2 25 | $3.6M | $21.7M | ||
| Q1 25 | $-6.0M | $7.8M | ||
| Q4 24 | $14.3M | $58.5M | ||
| Q3 24 | $-20.2M | $24.5M | ||
| Q2 24 | $20.6M | $11.7M | ||
| Q1 24 | $8.2M | $4.8M |
自由现金流PAYSRBB
| Q4 25 | $47.5M | $42.6M | ||
| Q3 25 | $6.3M | $1.8M | ||
| Q2 25 | $3.6M | $21.6M | ||
| Q1 25 | $-6.1M | $7.6M | ||
| Q4 24 | $14.2M | $57.7M | ||
| Q3 24 | $-20.3M | $24.2M | ||
| Q2 24 | $20.4M | $11.5M | ||
| Q1 24 | $8.2M | $4.7M |
自由现金流率PAYSRBB
| Q4 25 | 208.7% | 131.8% | ||
| Q3 25 | 29.2% | 5.4% | ||
| Q2 25 | 18.6% | 60.2% | ||
| Q1 25 | -32.9% | 26.7% | ||
| Q4 24 | 91.0% | 201.0% | ||
| Q3 24 | -133.0% | 80.0% | ||
| Q2 24 | 142.4% | 42.0% | ||
| Q1 24 | 62.1% | 16.6% |
资本支出强度PAYSRBB
| Q4 25 | 2.6% | 2.5% | ||
| Q3 25 | 2.1% | 1.1% | ||
| Q2 25 | 0.5% | 0.3% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 0.7% | 2.7% | ||
| Q3 24 | 0.8% | 0.8% | ||
| Q2 24 | 1.0% | 0.5% | ||
| Q1 24 | 0.4% | 0.5% |
现金转化率PAYSRBB
| Q4 25 | 35.29× | 4.26× | ||
| Q3 25 | 3.05× | 0.21× | ||
| Q2 25 | 2.62× | 2.32× | ||
| Q1 25 | -2.33× | 3.39× | ||
| Q4 24 | 10.43× | 13.34× | ||
| Q3 24 | -14.03× | 3.50× | ||
| Q2 24 | 29.48× | 1.61× | ||
| Q1 24 | 26.67× | 0.60× |
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
PAYS
| Plasma Industry | $12.6M | 55% |
| Pharma Industry | $9.6M | 42% |
| Other | $558.4K | 2% |
RBB
暂无分部数据
