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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）とRepay Holdings Corp（RPAY）の財務データ比較。上の社名をクリックして会社を切り替えられます
CONSUMER PORTFOLIO SERVICES, INC.の直近四半期売上が大きい（$109.4M vs $78.6M、Repay Holdings Corpの約1.4倍）。CONSUMER PORTFOLIO SERVICES, INC.の純利益率が高く（4.6% vs -178.3%、差は182.8%）。CONSUMER PORTFOLIO SERVICES, INC.の前年同期比売上増加率が高い（3.9% vs 0.4%）。CONSUMER PORTFOLIO SERVICES, INC.の直近四半期フリーキャッシュフローが多い（$288.3M vs $23.2M）。過去8四半期でCONSUMER PORTFOLIO SERVICES, INC.の売上複合成長率が高い（9.2% vs -1.3%）
Consumer Portfolio Services, Inc.は米国に本拠を置く特殊金融企業で、信用履歴が少ないまたは信用スコアが低位の顧客を対象に、自動車販売店と提携し新車・中古車購入向けの間接自動車ローン融資や債権管理サービスを提供している。
Repay Holdings Corpは北米を主要市場とする決済テクノロジー企業で、小売、医療、自動車サービス、電子商取引などの業種の企業向けに、クレジット・デビットカード決済処理、ACH送金、POSシステム連携を含む統合決済ソリューションを提供し、顧客の業務効率化を支援しています。
CPSS vs RPAY — 直接比較
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $109.4M | $78.6M |
| 純利益 | $5.0M | $-140.1M |
| 粗利率 | — | 74.2% |
| 営業利益率 | 6.6% | -182.2% |
| 純利益率 | 4.6% | -178.3% |
| 売上前年比 | 3.9% | 0.4% |
| 純利益前年比 | -3.2% | -3304.1% |
| EPS（希薄化後） | $0.21 | $-1.68 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
| Q4 25 | $109.4M | $78.6M | ||
| Q3 25 | $108.4M | $77.7M | ||
| Q2 25 | $109.8M | $75.6M | ||
| Q1 25 | $106.9M | $77.3M | ||
| Q4 24 | $105.3M | $78.3M | ||
| Q3 24 | $100.6M | $79.1M | ||
| Q2 24 | $95.9M | $74.9M | ||
| Q1 24 | $91.7M | $80.7M |
| Q4 25 | $5.0M | $-140.1M | ||
| Q3 25 | $4.9M | $-6.4M | ||
| Q2 25 | $4.8M | $-102.3M | ||
| Q1 25 | $4.7M | $-7.9M | ||
| Q4 24 | $5.1M | $-4.1M | ||
| Q3 24 | $4.8M | $3.2M | ||
| Q2 24 | $4.7M | $-4.1M | ||
| Q1 24 | $4.6M | $-5.2M |
| 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% |
| Q4 25 | 6.6% | -182.2% | ||
| Q3 25 | 6.5% | -3.9% | ||
| Q2 25 | 6.3% | -138.7% | ||
| Q1 25 | 6.4% | -4.7% | ||
| Q4 24 | 7.0% | -1.5% | ||
| Q3 24 | 6.8% | -0.9% | ||
| Q2 24 | 7.0% | -4.6% | ||
| Q1 24 | 7.1% | -3.1% |
| Q4 25 | 4.6% | -178.3% | ||
| Q3 25 | 4.5% | -8.3% | ||
| Q2 25 | 4.4% | -135.2% | ||
| Q1 25 | 4.4% | -10.3% | ||
| Q4 24 | 4.9% | -5.3% | ||
| Q3 24 | 4.8% | 4.1% | ||
| Q2 24 | 4.9% | -5.4% | ||
| Q1 24 | 5.0% | -6.5% |
| Q4 25 | $0.21 | $-1.68 | ||
| Q3 25 | $0.20 | $-0.08 | ||
| Q2 25 | $0.20 | $-1.15 | ||
| Q1 25 | $0.19 | $-0.09 | ||
| Q4 24 | $0.21 | $-0.04 | ||
| Q3 24 | $0.20 | $0.03 | ||
| Q2 24 | $0.19 | $-0.04 | ||
| Q1 24 | $0.19 | $-0.06 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $6.3M | $115.7M |
| 総負債低いほど良い | — | $280.1M |
| 株主資本純資産 | $309.5M | $484.4M |
| 総資産 | $3.9B | $1.2B |
| 負債/資本比率低いほどレバレッジが低い | — | 0.58× |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $6.3M | $115.7M | ||
| Q3 25 | $9.4M | $95.7M | ||
| Q2 25 | $15.8M | $162.6M | ||
| Q1 25 | $29.8M | $165.5M | ||
| Q4 24 | $11.7M | $189.5M | ||
| Q3 24 | $8.1M | $168.7M | ||
| Q2 24 | $9.8M | $147.1M | ||
| Q1 24 | $13.2M | $128.3M |
| 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 |
| Q4 25 | $309.5M | $484.4M | ||
| Q3 25 | $307.6M | $616.9M | ||
| Q2 25 | $303.1M | $633.7M | ||
| Q1 25 | $298.4M | $755.7M | ||
| Q4 24 | $292.8M | $761.3M | ||
| Q3 24 | $285.1M | $754.7M | ||
| Q2 24 | $280.3M | $815.4M | ||
| Q1 24 | $279.1M | $813.8M |
| Q4 25 | $3.9B | $1.2B | ||
| Q3 25 | $3.8B | $1.3B | ||
| Q2 25 | $3.8B | $1.4B | ||
| Q1 25 | $3.7B | $1.5B | ||
| Q4 24 | $3.5B | $1.6B | ||
| Q3 24 | $3.5B | $1.6B | ||
| Q2 24 | $3.3B | $1.5B | ||
| Q1 24 | $3.0B | $1.5B |
| 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× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $289.0M | $23.3M |
| フリーキャッシュフロー営業CF - 設備投資 | $288.3M | $23.2M |
| FCFマージンFCF / 売上 | 263.5% | 29.6% |
| 設備投資強度設備投資 / 売上 | 0.6% | 0.1% |
| キャッシュ転換率営業CF / 純利益 | 58.02× | — |
| 直近12ヶ月FCF直近4四半期 | $500.9M | $90.7M |
8四半期トレンド — 暦四半期で整列
| Q4 25 | $289.0M | $23.3M | ||
| Q3 25 | $84.9M | $32.2M | ||
| Q2 25 | $54.5M | $33.1M | ||
| Q1 25 | $73.9M | $2.5M | ||
| Q4 24 | $233.8M | $34.3M | ||
| Q3 24 | $69.8M | $60.1M | ||
| Q2 24 | $43.3M | $31.0M | ||
| Q1 24 | $52.7M | $24.8M |
| Q4 25 | $288.3M | $23.2M | ||
| Q3 25 | $84.9M | $32.1M | ||
| Q2 25 | $54.3M | $33.0M | ||
| Q1 25 | $73.4M | $2.4M | ||
| Q4 24 | $233.3M | $34.0M | ||
| Q3 24 | $69.7M | $59.8M | ||
| Q2 24 | $43.1M | $30.5M | ||
| Q1 24 | $52.6M | $24.7M |
| Q4 25 | 263.5% | 29.6% | ||
| Q3 25 | 78.3% | 41.3% | ||
| Q2 25 | 49.5% | 43.6% | ||
| Q1 25 | 68.7% | 3.0% | ||
| Q4 24 | 221.6% | 43.5% | ||
| Q3 24 | 69.3% | 75.6% | ||
| Q2 24 | 45.0% | 40.7% | ||
| Q1 24 | 57.3% | 30.6% |
| Q4 25 | 0.6% | 0.1% | ||
| Q3 25 | 0.0% | 0.2% | ||
| Q2 25 | 0.1% | 0.1% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 0.4% | 0.3% | ||
| Q3 24 | 0.1% | 0.3% | ||
| Q2 24 | 0.2% | 0.6% | ||
| Q1 24 | 0.1% | 0.1% |
| Q4 25 | 58.02× | — | ||
| Q3 25 | 17.50× | — | ||
| Q2 25 | 11.35× | — | ||
| Q1 25 | 15.74× | — | ||
| Q4 24 | 45.43× | — | ||
| Q3 24 | 14.55× | 18.52× | ||
| Q2 24 | 9.27× | — | ||
| Q1 24 | 11.48× | — |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
CPSS
セグメントデータなし
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
