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REPUBLIC BANCORP INC（RBCAA）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
REPUBLIC BANCORP INC的季度营收约是Repay Holdings Corp的1.2倍（$94.3M vs $78.6M），REPUBLIC BANCORP INC净利率更高（24.2% vs -178.3%，领先202.5%），REPUBLIC BANCORP INC同比增速更快（5.3% vs 0.4%），REPUBLIC BANCORP INC自由现金流更多（$161.1M vs $23.2M），过去两年Repay Holdings Corp的营收复合增速更高（-1.3% vs -11.5%）
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。
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。
RBCAA vs RPAY — 直观对比
营收规模更大
RBCAA
是对方的1.2倍
$78.6M
营收增速更快
RBCAA
高出4.9%
0.4%
净利率更高
RBCAA
高出202.5%
-178.3%
自由现金流更多
RBCAA
多$137.9M
$23.2M
两年增速更快
RPAY
近两年复合增速
-11.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $94.3M | $78.6M |
| 净利润 | $22.8M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 29.3% | -182.2% |
| 净利率 | 24.2% | -178.3% |
| 营收同比 | 5.3% | 0.4% |
| 净利润同比 | 20.0% | -3304.1% |
| 每股收益（稀释后） | — | $-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RBCAARPAY
| Q4 25 | $94.3M | $78.6M | ||
| Q3 25 | $93.5M | $77.7M | ||
| Q2 25 | $93.8M | $75.6M | ||
| Q1 25 | $135.8M | $77.3M | ||
| Q4 24 | $89.5M | $78.3M | ||
| Q3 24 | $88.1M | $79.1M | ||
| Q2 24 | $86.9M | $74.9M | ||
| Q1 24 | $120.3M | $80.7M |
净利润RBCAARPAY
| Q4 25 | $22.8M | $-140.1M | ||
| Q3 25 | $29.7M | $-6.4M | ||
| Q2 25 | $31.5M | $-102.3M | ||
| Q1 25 | $47.3M | $-7.9M | ||
| Q4 24 | $19.0M | $-4.1M | ||
| Q3 24 | $26.5M | $3.2M | ||
| Q2 24 | $25.2M | $-4.1M | ||
| Q1 24 | $30.6M | $-5.2M |
毛利率RBCAARPAY
| 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RBCAARPAY
| Q4 25 | 29.3% | -182.2% | ||
| Q3 25 | 40.4% | -3.9% | ||
| Q2 25 | 43.0% | -138.7% | ||
| Q1 25 | 44.1% | -4.7% | ||
| Q4 24 | 25.8% | -1.5% | ||
| Q3 24 | 38.4% | -0.9% | ||
| Q2 24 | 37.0% | -4.6% | ||
| Q1 24 | 32.2% | -3.1% |
净利率RBCAARPAY
| Q4 25 | 24.2% | -178.3% | ||
| Q3 25 | 31.8% | -8.3% | ||
| Q2 25 | 33.5% | -135.2% | ||
| Q1 25 | 34.8% | -10.3% | ||
| Q4 24 | 21.2% | -5.3% | ||
| Q3 24 | 30.1% | 4.1% | ||
| Q2 24 | 29.0% | -5.4% | ||
| Q1 24 | 25.4% | -6.5% |
每股收益（稀释后）RBCAARPAY
| Q4 25 | — | $-1.68 | ||
| Q3 25 | — | $-0.08 | ||
| Q2 25 | — | $-1.15 | ||
| Q1 25 | — | $-0.09 | ||
| Q4 24 | — | $-0.04 | ||
| Q3 24 | — | $0.03 | ||
| Q2 24 | — | $-0.04 | ||
| Q1 24 | — | $-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 | $220.0M | $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 | $7.0B | $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RBCAARPAY
| Q4 25 | $220.0M | $115.7M | ||
| Q3 25 | $484.2M | $95.7M | ||
| Q2 25 | $484.8M | $162.6M | ||
| Q1 25 | $793.0M | $165.5M | ||
| Q4 24 | $432.2M | $189.5M | ||
| Q3 24 | $530.9M | $168.7M | ||
| Q2 24 | $400.1M | $147.1M | ||
| Q1 24 | $546.4M | $128.3M |
总债务RBCAARPAY
| 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RBCAARPAY
| 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 | $992.0M | $761.3M | ||
| Q3 24 | $979.7M | $754.7M | ||
| Q2 24 | $955.4M | $815.4M | ||
| Q1 24 | $935.6M | $813.8M |
总资产RBCAARPAY
| Q4 25 | $7.0B | $1.2B | ||
| Q3 25 | $7.0B | $1.3B | ||
| Q2 25 | $7.0B | $1.4B | ||
| Q1 25 | $7.1B | $1.5B | ||
| Q4 24 | $6.8B | $1.6B | ||
| Q3 24 | $6.7B | $1.6B | ||
| Q2 24 | $6.6B | $1.5B | ||
| Q1 24 | $6.9B | $1.5B |
负债/权益比RBCAARPAY
| 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 | $168.2M | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $161.1M | $23.2M |
| 自由现金流率自由现金流/营收 | 170.9% | 29.6% |
| 资本支出强度资本支出/营收 | 7.5% | 0.1% |
| 现金转化率经营现金流/净利润 | 7.37× | — |
| 过去12个月自由现金流最近4个季度 | $288.6M | $90.7M |
8季度趋势，按日历期对齐
经营现金流RBCAARPAY
| Q4 25 | $168.2M | $23.3M | ||
| Q3 25 | $33.3M | $32.2M | ||
| Q2 25 | $8.4M | $33.1M | ||
| Q1 25 | $93.2M | $2.5M | ||
| Q4 24 | $149.0M | $34.3M | ||
| Q3 24 | $51.3M | $60.1M | ||
| Q2 24 | $4.0M | $31.0M | ||
| Q1 24 | $71.2M | $24.8M |
自由现金流RBCAARPAY
| Q4 25 | $161.1M | $23.2M | ||
| Q3 25 | $30.8M | $32.1M | ||
| Q2 25 | $5.2M | $33.0M | ||
| Q1 25 | $91.6M | $2.4M | ||
| Q4 24 | $143.2M | $34.0M | ||
| Q3 24 | $49.8M | $59.8M | ||
| Q2 24 | $2.7M | $30.5M | ||
| Q1 24 | $69.1M | $24.7M |
自由现金流率RBCAARPAY
| Q4 25 | 170.9% | 29.6% | ||
| Q3 25 | 32.9% | 41.3% | ||
| Q2 25 | 5.5% | 43.6% | ||
| Q1 25 | 67.4% | 3.0% | ||
| Q4 24 | 160.0% | 43.5% | ||
| Q3 24 | 56.5% | 75.6% | ||
| Q2 24 | 3.1% | 40.7% | ||
| Q1 24 | 57.5% | 30.6% |
资本支出强度RBCAARPAY
| Q4 25 | 7.5% | 0.1% | ||
| Q3 25 | 2.6% | 0.2% | ||
| Q2 25 | 3.5% | 0.1% | ||
| Q1 25 | 1.2% | 0.2% | ||
| Q4 24 | 6.5% | 0.3% | ||
| Q3 24 | 1.7% | 0.3% | ||
| Q2 24 | 1.5% | 0.6% | ||
| Q1 24 | 1.7% | 0.1% |
现金转化率RBCAARPAY
| Q4 25 | 7.37× | — | ||
| Q3 25 | 1.12× | — | ||
| Q2 25 | 0.27× | — | ||
| Q1 25 | 1.97× | — | ||
| Q4 24 | 7.84× | — | ||
| Q3 24 | 1.93× | 18.52× | ||
| Q2 24 | 0.16× | — | ||
| Q1 24 | 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
RBCAA
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% |
