vs
QCR HOLDINGS INC（QCRH）与Repay Holdings Corp（RPAY）财务数据对比。点击上方公司名可切换其他公司
QCR HOLDINGS INC的季度营收约是Repay Holdings Corp的1.4倍（$107.0M vs $78.6M），QCR HOLDINGS INC同比增速更快（16.5% vs 0.4%），QCR HOLDINGS INC自由现金流更多（$354.1M vs $23.2M），过去两年Repay Holdings Corp的营收复合增速更高（-1.3% vs -13.2%）
QCR控股有限公司通过旗下子公司，为阔德城和锡达拉皮兹地区的客户提供商业与零售银行服务，以及信托和资产管理服务。公司成立于1993年，总部位于伊利诺伊州莫林市。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
QCRH vs RPAY — 直观对比
营收规模更大
QCRH
是对方的1.4倍
$78.6M
营收增速更快
QCRH
高出16.1%
0.4%
自由现金流更多
QCRH
多$330.9M
$23.2M
两年增速更快
RPAY
近两年复合增速
-13.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $107.0M | $78.6M |
| 净利润 | — | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 36.1% | -182.2% |
| 净利率 | — | -178.3% |
| 营收同比 | 16.5% | 0.4% |
| 净利润同比 | — | -3304.1% |
| 每股收益（稀释后） | $2.10 | $-1.68 |
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QCRHRPAY
| Q4 25 | $107.0M | $78.6M | ||
| Q3 25 | $101.5M | $77.7M | ||
| Q2 25 | $84.2M | $75.6M | ||
| Q1 25 | $76.9M | $77.3M | ||
| Q4 24 | $91.8M | $78.3M | ||
| Q3 24 | $152.6M | $79.1M | ||
| Q2 24 | $150.6M | $74.9M | ||
| Q1 24 | $141.9M | $80.7M |
净利润QCRHRPAY
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $36.7M | $-6.4M | ||
| Q2 25 | $29.0M | $-102.3M | ||
| Q1 25 | $25.8M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $27.8M | $3.2M | ||
| Q2 24 | $29.1M | $-4.1M | ||
| Q1 24 | $26.7M | $-5.2M |
毛利率QCRHRPAY
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
营业利润率QCRHRPAY
| Q4 25 | 36.1% | -182.2% | ||
| Q3 25 | 40.0% | -3.9% | ||
| Q2 25 | 36.3% | -138.7% | ||
| Q1 25 | 34.0% | -4.7% | ||
| Q4 24 | 36.1% | -1.5% | ||
| Q3 24 | 19.6% | -0.9% | ||
| Q2 24 | 21.0% | -4.6% | ||
| Q1 24 | 19.7% | -3.1% |
净利率QCRHRPAY
| Q4 25 | — | -178.3% | ||
| Q3 25 | 36.2% | -8.3% | ||
| Q2 25 | 34.5% | -135.2% | ||
| Q1 25 | 33.6% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 18.2% | 4.1% | ||
| Q2 24 | 19.3% | -5.4% | ||
| Q1 24 | 18.8% | -6.5% |
每股收益（稀释后）QCRHRPAY
| Q4 25 | $2.10 | $-1.68 | ||
| Q3 25 | $2.16 | $-0.08 | ||
| Q2 25 | $1.71 | $-1.15 | ||
| Q1 25 | $1.52 | $-0.09 | ||
| Q4 24 | $1.77 | $-0.04 | ||
| Q3 24 | $1.64 | $0.03 | ||
| Q2 24 | $1.72 | $-0.04 | ||
| Q1 24 | $1.58 | $-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 | — | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $1.1B | $484.4M |
| 总资产 | $9.6B | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资QCRHRPAY
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
总债务QCRHRPAY
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
股东权益QCRHRPAY
| Q4 25 | $1.1B | $484.4M | ||
| Q3 25 | $1.1B | $616.9M | ||
| Q2 25 | $1.1B | $633.7M | ||
| Q1 25 | $1.0B | $755.7M | ||
| Q4 24 | $997.4M | $761.3M | ||
| Q3 24 | $976.6M | $754.7M | ||
| Q2 24 | $936.3M | $815.4M | ||
| Q1 24 | $907.3M | $813.8M |
总资产QCRHRPAY
| Q4 25 | $9.6B | $1.2B | ||
| Q3 25 | $9.6B | $1.3B | ||
| Q2 25 | $9.2B | $1.4B | ||
| Q1 25 | $9.2B | $1.5B | ||
| Q4 24 | $9.0B | $1.6B | ||
| Q3 24 | $9.1B | $1.6B | ||
| Q2 24 | $8.9B | $1.5B | ||
| Q1 24 | $8.6B | $1.5B |
负债/权益比QCRHRPAY
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $421.5M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $354.1M | $23.2M |
| 自由现金流率自由现金流/营收 | 330.9% | 29.6% |
| 资本支出强度资本支出/营收 | 63.0% | 0.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $397.4M | $90.7M |
8季度趋势，按日历期对齐
经营现金流QCRHRPAY
| Q4 25 | $421.5M | $23.3M | ||
| Q3 25 | $47.5M | $32.2M | ||
| Q2 25 | $42.2M | $33.1M | ||
| Q1 25 | $-3.6M | $2.5M | ||
| Q4 24 | $444.5M | $34.3M | ||
| Q3 24 | $238.1M | $60.1M | ||
| Q2 24 | $26.3M | $31.0M | ||
| Q1 24 | $2.7M | $24.8M |
自由现金流QCRHRPAY
| Q4 25 | $354.1M | $23.2M | ||
| Q3 25 | $31.7M | $32.1M | ||
| Q2 25 | $24.2M | $33.0M | ||
| Q1 25 | $-12.7M | $2.4M | ||
| Q4 24 | $400.0M | $34.0M | ||
| Q3 24 | $229.9M | $59.8M | ||
| Q2 24 | $16.2M | $30.5M | ||
| Q1 24 | $-9.4M | $24.7M |
自由现金流率QCRHRPAY
| Q4 25 | 330.9% | 29.6% | ||
| Q3 25 | 31.3% | 41.3% | ||
| Q2 25 | 28.8% | 43.6% | ||
| Q1 25 | -16.5% | 3.0% | ||
| Q4 24 | 435.6% | 43.5% | ||
| Q3 24 | 150.7% | 75.6% | ||
| Q2 24 | 10.7% | 40.7% | ||
| Q1 24 | -6.6% | 30.6% |
资本支出强度QCRHRPAY
| Q4 25 | 63.0% | 0.1% | ||
| Q3 25 | 15.5% | 0.2% | ||
| Q2 25 | 21.4% | 0.1% | ||
| Q1 25 | 11.9% | 0.2% | ||
| Q4 24 | 48.4% | 0.3% | ||
| Q3 24 | 5.4% | 0.3% | ||
| Q2 24 | 6.8% | 0.6% | ||
| Q1 24 | 8.6% | 0.1% |
现金转化率QCRHRPAY
| Q4 25 | — | — | ||
| Q3 25 | 1.29× | — | ||
| Q2 25 | 1.46× | — | ||
| Q1 25 | -0.14× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 8.57× | 18.52× | ||
| Q2 24 | 0.90× | — | ||
| Q1 24 | 0.10× | — |
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
QCRH
暂无分部数据
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
