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Paysign, Inc.（PAYS）与RIVERVIEW BANCORP INC（RVSB）财务数据对比。点击上方公司名可切换其他公司
Paysign, Inc.的季度营收约是RIVERVIEW BANCORP INC的1.6倍（$22.8M vs $14.0M），RIVERVIEW BANCORP INC净利率更高（9.8% vs 6.0%，领先3.8%），Paysign, Inc.同比增速更快（45.8% vs 10.4%），Paysign, Inc.自由现金流更多（$47.5M vs $-736.0K），过去两年Paysign, Inc.的营收复合增速更高（31.3% vs 24.6%）
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。
Riverview Bancorp Inc.是一家总部位于美国的银行控股公司，主营个人与商业银行业务，服务覆盖太平洋西北地区，提供存款、消费贷款、住房抵押贷款、商业信贷及小企业金融等产品，服务零售客户与本地企业群体。
PAYS vs RVSB — 直观对比
营收规模更大
PAYS
是对方的1.6倍
$14.0M
营收增速更快
PAYS
高出35.4%
10.4%
净利率更高
RVSB
高出3.8%
6.0%
自由现金流更多
PAYS
多$48.2M
$-736.0K
两年增速更快
PAYS
近两年复合增速
24.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $22.8M | $14.0M |
| 净利润 | $1.4M | $1.4M |
| 毛利率 | 57.7% | — |
| 营业利润率 | 8.1% | 12.4% |
| 净利率 | 6.0% | 9.8% |
| 营收同比 | 45.8% | 10.4% |
| 净利润同比 | -0.7% | 11.8% |
| 每股收益（稀释后） | $0.02 | $0.07 |
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PAYSRVSB
| Q4 25 | $22.8M | $14.0M | ||
| Q3 25 | $21.6M | $13.6M | ||
| Q2 25 | $19.1M | $13.3M | ||
| Q1 25 | $18.6M | $12.9M | ||
| Q4 24 | $15.6M | $12.7M | ||
| Q3 24 | $15.3M | $12.8M | ||
| Q2 24 | $14.3M | $12.2M | ||
| Q1 24 | $13.2M | $9.0M |
净利润PAYSRVSB
| Q4 25 | $1.4M | $1.4M | ||
| Q3 25 | $2.2M | $1.1M | ||
| Q2 25 | $1.4M | $1.2M | ||
| Q1 25 | $2.6M | $1.1M | ||
| Q4 24 | $1.4M | $1.2M | ||
| Q3 24 | $1.4M | $1.6M | ||
| Q2 24 | $697.1K | $966.0K | ||
| Q1 24 | $309.1K | $-3.0M |
毛利率PAYSRVSB
| 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PAYSRVSB
| Q4 25 | 8.1% | 12.4% | ||
| Q3 25 | 7.3% | 10.2% | ||
| Q2 25 | 7.5% | 11.7% | ||
| Q1 25 | 13.4% | 11.3% | ||
| Q4 24 | 3.0% | 12.4% | ||
| Q3 24 | 4.5% | 15.5% | ||
| Q2 24 | 0.9% | 10.0% | ||
| Q1 24 | -2.0% | -47.5% |
净利率PAYSRVSB
| Q4 25 | 6.0% | 9.8% | ||
| Q3 25 | 10.3% | 8.1% | ||
| Q2 25 | 7.3% | 9.2% | ||
| Q1 25 | 13.9% | 8.9% | ||
| Q4 24 | 8.8% | 9.7% | ||
| Q3 24 | 9.4% | 12.2% | ||
| Q2 24 | 4.9% | 7.9% | ||
| Q1 24 | 2.3% | -34.7% |
每股收益（稀释后）PAYSRVSB
| Q4 25 | $0.02 | $0.07 | ||
| Q3 25 | $0.04 | $0.05 | ||
| Q2 25 | $0.02 | $0.06 | ||
| Q1 25 | $0.05 | $0.05 | ||
| Q4 24 | $0.02 | $0.06 | ||
| Q3 24 | $0.03 | $0.07 | ||
| Q2 24 | $0.01 | $0.05 | ||
| Q1 24 | $0.01 | $-0.14 |
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 | — | $28.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $48.5M | $164.2M |
| 总资产 | $276.3M | $1.5B |
| 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PAYSRVSB
| Q4 25 | — | $28.6M | ||
| Q3 25 | — | $32.8M | ||
| Q2 25 | — | $34.2M | ||
| Q1 25 | — | $29.4M | ||
| Q4 24 | — | $25.3M | ||
| Q3 24 | — | $31.0M | ||
| Q2 24 | — | $27.8M | ||
| Q1 24 | — | $23.6M |
股东权益PAYSRVSB
| Q4 25 | $48.5M | $164.2M | ||
| Q3 25 | $45.8M | $163.5M | ||
| Q2 25 | $42.2M | $162.0M | ||
| Q1 25 | $39.3M | $160.0M | ||
| Q4 24 | $30.4M | $158.3M | ||
| Q3 24 | $28.5M | $160.8M | ||
| Q2 24 | $26.9M | $155.9M | ||
| Q1 24 | $25.5M | $155.6M |
总资产PAYSRVSB
| Q4 25 | $276.3M | $1.5B | ||
| Q3 25 | $209.5M | $1.5B | ||
| Q2 25 | $193.9M | $1.5B | ||
| Q1 25 | $205.1M | $1.5B | ||
| Q4 24 | $179.0M | $1.5B | ||
| Q3 24 | $167.0M | $1.5B | ||
| Q2 24 | $182.3M | $1.5B | ||
| Q1 24 | $173.0M | $1.5B |
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 | $-506.0K |
| 自由现金流经营现金流 - 资本支出 | $47.5M | $-736.0K |
| 自由现金流率自由现金流/营收 | 208.7% | -5.2% |
| 资本支出强度资本支出/营收 | 2.6% | 1.6% |
| 现金转化率经营现金流/净利润 | 35.29× | -0.37× |
| 过去12个月自由现金流最近4个季度 | $51.2M | $20.4M |
8季度趋势，按日历期对齐
经营现金流PAYSRVSB
| Q4 25 | $48.1M | $-506.0K | ||
| Q3 25 | $6.8M | $16.8M | ||
| Q2 25 | $3.6M | $-697.0K | ||
| Q1 25 | $-6.0M | $8.3M | ||
| Q4 24 | $14.3M | $2.2M | ||
| Q3 24 | $-20.2M | $764.0K | ||
| Q2 24 | $20.6M | $5.4M | ||
| Q1 24 | $8.2M | $12.8M |
自由现金流PAYSRVSB
| Q4 25 | $47.5M | $-736.0K | ||
| Q3 25 | $6.3M | $16.4M | ||
| Q2 25 | $3.6M | $-773.0K | ||
| Q1 25 | $-6.1M | $5.6M | ||
| Q4 24 | $14.2M | $1.9M | ||
| Q3 24 | $-20.3M | $-1.4M | ||
| Q2 24 | $20.4M | $5.3M | ||
| Q1 24 | $8.2M | $7.1M |
自由现金流率PAYSRVSB
| Q4 25 | 208.7% | -5.2% | ||
| Q3 25 | 29.2% | 120.1% | ||
| Q2 25 | 18.6% | -5.8% | ||
| Q1 25 | -32.9% | 43.1% | ||
| Q4 24 | 91.0% | 15.0% | ||
| Q3 24 | -133.0% | -11.3% | ||
| Q2 24 | 142.4% | 43.7% | ||
| Q1 24 | 62.1% | 79.0% |
资本支出强度PAYSRVSB
| Q4 25 | 2.6% | 1.6% | ||
| Q3 25 | 2.1% | 2.9% | ||
| Q2 25 | 0.5% | 0.6% | ||
| Q1 25 | 0.4% | 21.0% | ||
| Q4 24 | 0.7% | 2.4% | ||
| Q3 24 | 0.8% | 17.3% | ||
| Q2 24 | 1.0% | 0.9% | ||
| Q1 24 | 0.4% | 62.0% |
现金转化率PAYSRVSB
| Q4 25 | 35.29× | -0.37× | ||
| Q3 25 | 3.05× | 15.25× | ||
| Q2 25 | 2.62× | -0.57× | ||
| Q1 25 | -2.33× | 7.20× | ||
| Q4 24 | 10.43× | 1.79× | ||
| Q3 24 | -14.03× | 0.49× | ||
| Q2 24 | 29.48× | 5.63× | ||
| Q1 24 | 26.67× | — |
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% |
RVSB
暂无分部数据
