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CPI Card Group Inc.（PMTS）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
CPI Card Group Inc.的季度营收约是REPUBLIC BANCORP INC的1.6倍（$153.1M vs $94.3M），REPUBLIC BANCORP INC净利率更高（24.2% vs 4.8%，领先19.4%），CPI Card Group Inc.同比增速更快（22.3% vs 5.3%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $35.2M），过去两年CPI Card Group Inc.的营收复合增速更高（16.9% vs -11.5%）
CPI Card Group Inc.是知名的支付卡生产及配套解决方案供应商，主营接触式、非接触式信用卡、借记卡、预付卡的制造与个性化定制服务，客户以北美地区的金融机构、金融科技企业及零售品牌为主。
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。
PMTS vs RBCAA — 直观对比
营收规模更大
PMTS
是对方的1.6倍
$94.3M
营收增速更快
PMTS
高出17.0%
5.3%
净利率更高
RBCAA
高出19.4%
4.8%
自由现金流更多
RBCAA
多$125.9M
$35.2M
两年增速更快
PMTS
近两年复合增速
-11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $153.1M | $94.3M |
| 净利润 | $7.3M | $22.8M |
| 毛利率 | 31.5% | — |
| 营业利润率 | 12.0% | 29.3% |
| 净利率 | 4.8% | 24.2% |
| 营收同比 | 22.3% | 5.3% |
| 净利润同比 | 8.5% | 20.0% |
| 每股收益（稀释后） | $0.62 | — |
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PMTSRBCAA
| Q4 25 | $153.1M | $94.3M | ||
| Q3 25 | $138.0M | $93.5M | ||
| Q2 25 | $129.8M | $93.8M | ||
| Q1 25 | $122.8M | $135.8M | ||
| Q4 24 | $125.1M | $89.5M | ||
| Q3 24 | $124.8M | $88.1M | ||
| Q2 24 | $118.8M | $86.9M | ||
| Q1 24 | $111.9M | $120.3M |
净利润PMTSRBCAA
| Q4 25 | $7.3M | $22.8M | ||
| Q3 25 | $2.3M | $29.7M | ||
| Q2 25 | $518.0K | $31.5M | ||
| Q1 25 | $4.8M | $47.3M | ||
| Q4 24 | $6.8M | $19.0M | ||
| Q3 24 | $1.3M | $26.5M | ||
| Q2 24 | $6.0M | $25.2M | ||
| Q1 24 | $5.5M | $30.6M |
毛利率PMTSRBCAA
| Q4 25 | 31.5% | — | ||
| Q3 25 | 29.7% | — | ||
| Q2 25 | 30.9% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 34.1% | — | ||
| Q3 24 | 35.8% | — | ||
| Q2 24 | 35.7% | — | ||
| Q1 24 | 37.1% | — |
营业利润率PMTSRBCAA
| Q4 25 | 12.0% | 29.3% | ||
| Q3 25 | 9.4% | 40.4% | ||
| Q2 25 | 7.3% | 43.0% | ||
| Q1 25 | 11.5% | 44.1% | ||
| Q4 24 | 12.7% | 25.8% | ||
| Q3 24 | 14.3% | 38.4% | ||
| Q2 24 | 12.5% | 37.0% | ||
| Q1 24 | 12.6% | 32.2% |
净利率PMTSRBCAA
| Q4 25 | 4.8% | 24.2% | ||
| Q3 25 | 1.7% | 31.8% | ||
| Q2 25 | 0.4% | 33.5% | ||
| Q1 25 | 3.9% | 34.8% | ||
| Q4 24 | 5.4% | 21.2% | ||
| Q3 24 | 1.0% | 30.1% | ||
| Q2 24 | 5.1% | 29.0% | ||
| Q1 24 | 4.9% | 25.4% |
每股收益（稀释后）PMTSRBCAA
| Q4 25 | $0.62 | — | ||
| Q3 25 | $0.19 | — | ||
| Q2 25 | $0.04 | — | ||
| Q1 25 | $0.40 | — | ||
| Q4 24 | $0.56 | — | ||
| Q3 24 | $0.11 | — | ||
| Q2 24 | $0.51 | — | ||
| Q1 24 | $0.46 | — |
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 | $21.7M | $220.0M |
| 总债务越低越好 | $286.7M | — |
| 股东权益账面价值 | $-17.3M | $1.1B |
| 总资产 | $403.2M | $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PMTSRBCAA
| Q4 25 | $21.7M | $220.0M | ||
| Q3 25 | $16.0M | $484.2M | ||
| Q2 25 | $17.1M | $484.8M | ||
| Q1 25 | $31.5M | $793.0M | ||
| Q4 24 | $33.5M | $432.2M | ||
| Q3 24 | $14.7M | $530.9M | ||
| Q2 24 | $7.5M | $400.1M | ||
| Q1 24 | $17.1M | $546.4M |
总债务PMTSRBCAA
| Q4 25 | $286.7M | — | ||
| Q3 25 | $308.4M | — | ||
| Q2 25 | $310.9M | — | ||
| Q1 25 | $280.7M | — | ||
| Q4 24 | $280.4M | — | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — | ||
| Q1 24 | $265.3M | — |
股东权益PMTSRBCAA
| Q4 25 | $-17.3M | $1.1B | ||
| Q3 25 | $-25.7M | $1.1B | ||
| Q2 25 | $-29.0M | $1.1B | ||
| Q1 25 | $-29.7M | $1.0B | ||
| Q4 24 | $-35.6M | $992.0M | ||
| Q3 24 | $-42.8M | $979.7M | ||
| Q2 24 | $-44.6M | $955.4M | ||
| Q1 24 | $-48.5M | $935.6M |
总资产PMTSRBCAA
| Q4 25 | $403.2M | $7.0B | ||
| Q3 25 | $407.1M | $7.0B | ||
| Q2 25 | $399.8M | $7.0B | ||
| Q1 25 | $351.9M | $7.1B | ||
| Q4 24 | $349.7M | $6.8B | ||
| Q3 24 | $342.3M | $6.7B | ||
| Q2 24 | $321.4M | $6.6B | ||
| Q1 24 | $319.8M | $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 | $39.6M | $168.2M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $161.1M |
| 自由现金流率自由现金流/营收 | 23.0% | 170.9% |
| 资本支出强度资本支出/营收 | 2.9% | 7.5% |
| 现金转化率经营现金流/净利润 | 5.39× | 7.37× |
| 过去12个月自由现金流最近4个季度 | $41.3M | $288.6M |
8季度趋势，按日历期对齐
经营现金流PMTSRBCAA
| Q4 25 | $39.6M | $168.2M | ||
| Q3 25 | $10.0M | $33.3M | ||
| Q2 25 | $4.3M | $8.4M | ||
| Q1 25 | $5.6M | $93.2M | ||
| Q4 24 | $26.7M | $149.0M | ||
| Q3 24 | $12.5M | $51.3M | ||
| Q2 24 | $-4.8M | $4.0M | ||
| Q1 24 | $8.9M | $71.2M |
自由现金流PMTSRBCAA
| Q4 25 | $35.2M | $161.1M | ||
| Q3 25 | $5.3M | $30.8M | ||
| Q2 25 | $533.0K | $5.2M | ||
| Q1 25 | $292.0K | $91.6M | ||
| Q4 24 | $21.6M | $143.2M | ||
| Q3 24 | $11.1M | $49.8M | ||
| Q2 24 | $-6.0M | $2.7M | ||
| Q1 24 | $7.4M | $69.1M |
自由现金流率PMTSRBCAA
| Q4 25 | 23.0% | 170.9% | ||
| Q3 25 | 3.8% | 32.9% | ||
| Q2 25 | 0.4% | 5.5% | ||
| Q1 25 | 0.2% | 67.4% | ||
| Q4 24 | 17.3% | 160.0% | ||
| Q3 24 | 8.9% | 56.5% | ||
| Q2 24 | -5.0% | 3.1% | ||
| Q1 24 | 6.6% | 57.5% |
资本支出强度PMTSRBCAA
| Q4 25 | 2.9% | 7.5% | ||
| Q3 25 | 3.4% | 2.6% | ||
| Q2 25 | 2.9% | 3.5% | ||
| Q1 25 | 4.3% | 1.2% | ||
| Q4 24 | 4.0% | 6.5% | ||
| Q3 24 | 1.2% | 1.7% | ||
| Q2 24 | 1.0% | 1.5% | ||
| Q1 24 | 1.3% | 1.7% |
现金转化率PMTSRBCAA
| Q4 25 | 5.39× | 7.37× | ||
| Q3 25 | 4.32× | 1.12× | ||
| Q2 25 | 8.39× | 0.27× | ||
| Q1 25 | 1.17× | 1.97× | ||
| Q4 24 | 3.94× | 7.84× | ||
| Q3 24 | 9.70× | 1.93× | ||
| Q2 24 | -0.79× | 0.16× | ||
| Q1 24 | 1.63× | 2.33× |
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
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
RBCAA
暂无分部数据
