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Q2 Holdings, Inc.（QTWO）与Remitly Global, Inc.（RELY）财务数据对比。点击上方公司名可切换其他公司
Remitly Global, Inc.的季度营收约是Q2 Holdings, Inc.的2.1倍（$442.2M vs $208.2M），Q2 Holdings, Inc.净利率更高（9.8% vs 9.3%，领先0.5%），Remitly Global, Inc.同比增速更快（25.7% vs 13.8%），Remitly Global, Inc.自由现金流更多（$143.3M vs $61.7M），过去两年Remitly Global, Inc.的营收复合增速更高（28.2% vs 12.2%）
Q2 Holdings是一家全球金融科技企业，主要开发云原生数字银行平台及解决方案，服务地区性银行、社区银行、信用合作社等金融机构，帮助其为个人及企业客户提供安全便捷的线上、移动端银行服务，核心市场覆盖北美。
Remitly Global是总部位于美国西雅图的跨境汇款服务提供商，2011年由马修·奥本海默、乔希·哈格与希瓦斯·古拉蒂共同创立，主要为用户提供覆盖全球170多个国家和地区的国际汇款服务，2021年9月在纳斯达克交易所上市。
QTWO vs RELY — 直观对比
营收规模更大
RELY
是对方的2.1倍
$208.2M
营收增速更快
RELY
高出11.9%
13.8%
净利率更高
QTWO
高出0.5%
9.3%
自由现金流更多
RELY
多$81.6M
$61.7M
两年增速更快
RELY
近两年复合增速
12.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $208.2M | $442.2M |
| 净利润 | $20.4M | $41.2M |
| 毛利率 | 55.4% | — |
| 营业利润率 | 8.1% | 8.8% |
| 净利率 | 9.8% | 9.3% |
| 营收同比 | 13.8% | 25.7% |
| 净利润同比 | 12365.2% | 820.1% |
| 每股收益（稀释后） | $0.32 | $0.19 |
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QTWORELY
| Q4 25 | $208.2M | $442.2M | ||
| Q3 25 | $201.7M | $419.5M | ||
| Q2 25 | $195.1M | $411.9M | ||
| Q1 25 | $189.7M | $361.6M | ||
| Q4 24 | $183.0M | $351.9M | ||
| Q3 24 | $175.0M | $336.5M | ||
| Q2 24 | $172.9M | $306.4M | ||
| Q1 24 | $165.5M | $269.1M |
净利润QTWORELY
| Q4 25 | $20.4M | $41.2M | ||
| Q3 25 | $15.0M | $8.8M | ||
| Q2 25 | $11.8M | $6.5M | ||
| Q1 25 | $4.8M | $11.4M | ||
| Q4 24 | $164.0K | $-5.7M | ||
| Q3 24 | $-11.8M | $1.9M | ||
| Q2 24 | $-13.1M | $-12.1M | ||
| Q1 24 | $-13.8M | $-21.1M |
毛利率QTWORELY
| Q4 25 | 55.4% | — | ||
| Q3 25 | 54.0% | — | ||
| Q2 25 | 53.6% | — | ||
| Q1 25 | 53.2% | — | ||
| Q4 24 | 52.6% | — | ||
| Q3 24 | 50.9% | — | ||
| Q2 24 | 50.2% | — | ||
| Q1 24 | 49.7% | — |
营业利润率QTWORELY
| Q4 25 | 8.1% | 8.8% | ||
| Q3 25 | 5.5% | 2.8% | ||
| Q2 25 | 5.0% | 3.6% | ||
| Q1 25 | 1.2% | 3.4% | ||
| Q4 24 | -0.9% | -1.1% | ||
| Q3 24 | -7.3% | 0.1% | ||
| Q2 24 | -7.9% | -5.1% | ||
| Q1 24 | -8.6% | -7.4% |
净利率QTWORELY
| Q4 25 | 9.8% | 9.3% | ||
| Q3 25 | 7.5% | 2.1% | ||
| Q2 25 | 6.0% | 1.6% | ||
| Q1 25 | 2.5% | 3.1% | ||
| Q4 24 | 0.1% | -1.6% | ||
| Q3 24 | -6.7% | 0.6% | ||
| Q2 24 | -7.6% | -3.9% | ||
| Q1 24 | -8.4% | -7.8% |
每股收益（稀释后）QTWORELY
| Q4 25 | $0.32 | $0.19 | ||
| Q3 25 | $0.23 | $0.04 | ||
| Q2 25 | $0.18 | $0.03 | ||
| Q1 25 | $0.07 | $0.05 | ||
| Q4 24 | $0.01 | $-0.03 | ||
| Q3 24 | $-0.20 | $0.01 | ||
| Q2 24 | $-0.22 | $-0.06 | ||
| Q1 24 | $-0.23 | $-0.11 |
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 | $432.7M | $542.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $661.8M | $868.8M |
| 总资产 | $1.3B | $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QTWORELY
| Q4 25 | $432.7M | $542.4M | ||
| Q3 25 | $568.7M | $476.9M | ||
| Q2 25 | $532.1M | $515.9M | ||
| Q1 25 | $486.0M | $493.9M | ||
| Q4 24 | $446.6M | $368.1M | ||
| Q3 24 | $407.9M | $324.4M | ||
| Q2 24 | $372.1M | $185.2M | ||
| Q1 24 | $338.5M | $286.0M |
股东权益QTWORELY
| Q4 25 | $661.8M | $868.8M | ||
| Q3 25 | $622.9M | $797.2M | ||
| Q2 25 | $584.3M | $764.9M | ||
| Q1 25 | $545.5M | $723.5M | ||
| Q4 24 | $517.8M | $665.5M | ||
| Q3 24 | $495.1M | $630.8M | ||
| Q2 24 | $480.7M | $578.9M | ||
| Q1 24 | $465.0M | $549.4M |
总资产QTWORELY
| Q4 25 | $1.3B | $1.5B | ||
| Q3 25 | $1.4B | $1.2B | ||
| Q2 25 | $1.4B | $1.2B | ||
| Q1 25 | $1.3B | $1.1B | ||
| Q4 24 | $1.3B | $1.0B | ||
| Q3 24 | $1.3B | $970.4M | ||
| Q2 24 | $1.2B | $950.2M | ||
| Q1 24 | $1.2B | $1.1B |
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 | $63.7M | $149.6M |
| 自由现金流经营现金流 - 资本支出 | $61.7M | $143.3M |
| 自由现金流率自由现金流/营收 | 29.6% | 32.4% |
| 资本支出强度资本支出/营收 | 1.0% | 1.4% |
| 现金转化率经营现金流/净利润 | 3.12× | 3.63× |
| 过去12个月自由现金流最近4个季度 | $194.7M | $288.7M |
8季度趋势，按日历期对齐
经营现金流QTWORELY
| Q4 25 | $63.7M | $149.6M | ||
| Q3 25 | $45.6M | $1.4M | ||
| Q2 25 | $48.6M | $41.2M | ||
| Q1 25 | $43.5M | $132.9M | ||
| Q4 24 | $43.0M | $-27.3M | ||
| Q3 24 | $43.3M | $146.8M | ||
| Q2 24 | $36.0M | $48.9M | ||
| Q1 24 | $13.4M | $-56.8M |
自由现金流QTWORELY
| Q4 25 | $61.7M | $143.3M | ||
| Q3 25 | $42.9M | $-2.1M | ||
| Q2 25 | $47.3M | $28.6M | ||
| Q1 25 | $42.7M | $118.9M | ||
| Q4 24 | $41.6M | $-30.1M | ||
| Q3 24 | $40.9M | $145.6M | ||
| Q2 24 | $34.6M | $47.8M | ||
| Q1 24 | $12.0M | $-57.8M |
自由现金流率QTWORELY
| Q4 25 | 29.6% | 32.4% | ||
| Q3 25 | 21.3% | -0.5% | ||
| Q2 25 | 24.3% | 6.9% | ||
| Q1 25 | 22.5% | 32.9% | ||
| Q4 24 | 22.7% | -8.5% | ||
| Q3 24 | 23.3% | 43.3% | ||
| Q2 24 | 20.0% | 15.6% | ||
| Q1 24 | 7.3% | -21.5% |
资本支出强度QTWORELY
| Q4 25 | 1.0% | 1.4% | ||
| Q3 25 | 1.3% | 0.8% | ||
| Q2 25 | 0.7% | 3.1% | ||
| Q1 25 | 0.4% | 3.9% | ||
| Q4 24 | 0.8% | 0.8% | ||
| Q3 24 | 1.4% | 0.3% | ||
| Q2 24 | 0.8% | 0.4% | ||
| Q1 24 | 0.8% | 0.4% |
现金转化率QTWORELY
| Q4 25 | 3.12× | 3.63× | ||
| Q3 25 | 3.03× | 0.16× | ||
| Q2 25 | 4.13× | 6.30× | ||
| Q1 25 | 9.16× | 11.71× | ||
| Q4 24 | 262.41× | — | ||
| Q3 24 | — | 76.56× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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
QTWO
| Subscriptions | $170.7M | 82% |
| Other | $20.1M | 10% |
| Transactional Services | $17.4M | 8% |
RELY
暂无分部数据
