vs
CPI Card Group Inc.（PMTS）とBRC Group Holdings, Inc.（RILY）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
BRC Group Holdings, Inc.の直近四半期売上が大きい（$188.3M vs $153.1M、CPI Card Group Inc.の約1.2倍）。BRC Group Holdings, Inc.の純利益率が高く（47.9% vs 4.8%、差は43.1%）。CPI Card Group Inc.の前年同期比売上増加率が高い（22.3% vs -21.9%）。過去8四半期でCPI Card Group Inc.の売上複合成長率が高い（16.9% vs -15.4%）
CPI Card Group Inc.は決済カード製造および関連ソリューションを提供するリーディングカンパニーで、接触式・非接触式のクレジットカード、デビットカード、プリペイドカードの製造や個別化サービスを手がけ、主に北米地域の金融機関、フィンテック企業、小売ブランドを顧客層としています。
PMTS vs RILY — 直接比較
売上が大きい
RILY
1.2倍大きい
$153.1M
売上成長率が高い
PMTS
+44.2%の差
-21.9%
純利益率が高い
RILY
純利益率が43.1%高い
4.8%
2年売上CAGRが高い
PMTS
2年複合成長率
-15.4%
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $153.1M | $188.3M |
| 純利益 | $7.3M | $90.3M |
| 粗利率 | 31.5% | 79.5% |
| 営業利益率 | 12.0% | 32.3% |
| 純利益率 | 4.8% | 47.9% |
| 売上前年比 | 22.3% | -21.9% |
| 純利益前年比 | 8.5% | 1710.8% |
| EPS（希薄化後） | $0.62 | $2.78 |
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
売上PMTSRILY
| Q4 25 | $153.1M | $188.3M | ||
| Q3 25 | $138.0M | $215.3M | ||
| Q2 25 | $129.8M | $188.2M | ||
| Q1 25 | $122.8M | $197.2M | ||
| Q4 24 | $125.1M | $241.0M | ||
| Q3 24 | $124.8M | $225.5M | ||
| Q2 24 | $118.8M | $256.0M | ||
| Q1 24 | $111.9M | $263.4M |
純利益PMTSRILY
| Q4 25 | $7.3M | $90.3M | ||
| Q3 25 | $2.3M | $91.1M | ||
| Q2 25 | $518.0K | $139.5M | ||
| Q1 25 | $4.8M | $-10.0M | ||
| Q4 24 | $6.8M | $-5.6M | ||
| Q3 24 | $1.3M | $-284.4M | ||
| Q2 24 | $6.0M | $-433.6M | ||
| Q1 24 | $5.5M | $-49.2M |
粗利率PMTSRILY
| Q4 25 | 31.5% | 79.5% | ||
| Q3 25 | 29.7% | 83.7% | ||
| Q2 25 | 30.9% | 81.3% | ||
| Q1 25 | 33.2% | 81.4% | ||
| Q4 24 | 34.1% | 79.8% | ||
| Q3 24 | 35.8% | 82.1% | ||
| Q2 24 | 35.7% | 84.5% | ||
| Q1 24 | 37.1% | 85.3% |
営業利益率PMTSRILY
| Q4 25 | 12.0% | 32.3% | ||
| Q3 25 | 9.4% | 30.4% | ||
| Q2 25 | 7.3% | 5.7% | ||
| Q1 25 | 11.5% | -31.2% | ||
| Q4 24 | 12.7% | -69.2% | ||
| Q3 24 | 14.3% | -36.4% | ||
| Q2 24 | 12.5% | -90.8% | ||
| Q1 24 | 12.6% | -6.1% |
純利益率PMTSRILY
| Q4 25 | 4.8% | 47.9% | ||
| Q3 25 | 1.7% | 42.3% | ||
| Q2 25 | 0.4% | 74.1% | ||
| Q1 25 | 3.9% | -5.1% | ||
| Q4 24 | 5.4% | -2.3% | ||
| Q3 24 | 1.0% | -126.1% | ||
| Q2 24 | 5.1% | -169.4% | ||
| Q1 24 | 4.9% | -18.7% |
EPS（希薄化後）PMTSRILY
| Q4 25 | $0.62 | $2.78 | ||
| Q3 25 | $0.19 | $2.91 | ||
| Q2 25 | $0.04 | $4.50 | ||
| Q1 25 | $0.40 | $-0.39 | ||
| Q4 24 | $0.56 | $-0.01 | ||
| Q3 24 | $0.11 | $-9.39 | ||
| Q2 24 | $0.51 | $-14.35 | ||
| Q1 24 | $0.46 | $-1.71 |
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 | $21.7M | $226.6M |
| 総負債低いほど良い | $286.7M | $1.4B |
| 株主資本純資産 | $-17.3M | $-171.5M |
| 総資産 | $403.2M | $1.7B |
| 負債/資本比率低いほどレバレッジが低い | — | — |
8四半期トレンド — 暦四半期で整列
現金・短期投資PMTSRILY
| Q4 25 | $21.7M | $226.6M | ||
| Q3 25 | $16.0M | $184.2M | ||
| Q2 25 | $17.1M | $267.4M | ||
| Q1 25 | $31.5M | $138.3M | ||
| Q4 24 | $33.5M | $146.9M | ||
| Q3 24 | $14.7M | $159.2M | ||
| Q2 24 | $7.5M | $236.9M | ||
| Q1 24 | $17.1M | $190.7M |
総負債PMTSRILY
| Q4 25 | $286.7M | $1.4B | ||
| Q3 25 | $308.4M | $1.3B | ||
| Q2 25 | $310.9M | $1.3B | ||
| Q1 25 | $280.7M | $1.4B | ||
| Q4 24 | $280.4M | $1.5B | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — | ||
| Q1 24 | $265.3M | — |
株主資本PMTSRILY
| Q4 25 | $-17.3M | $-171.5M | ||
| Q3 25 | $-25.7M | $-260.5M | ||
| Q2 25 | $-29.0M | $-351.7M | ||
| Q1 25 | $-29.7M | $-496.8M | ||
| Q4 24 | $-35.6M | $-488.2M | ||
| Q3 24 | $-42.8M | $-497.6M | ||
| Q2 24 | $-44.6M | $-218.3M | ||
| Q1 24 | $-48.5M | $228.4M |
総資産PMTSRILY
| Q4 25 | $403.2M | $1.7B | ||
| Q3 25 | $407.1M | $1.7B | ||
| Q2 25 | $399.8M | $1.5B | ||
| Q1 25 | $351.9M | $1.5B | ||
| Q4 24 | $349.7M | $1.8B | ||
| Q3 24 | $342.3M | $2.2B | ||
| Q2 24 | $321.4M | $3.2B | ||
| Q1 24 | $319.8M | $5.0B |
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 | $39.6M | $26.2M |
| フリーキャッシュフロー営業CF - 設備投資 | $35.2M | — |
| FCFマージンFCF / 売上 | 23.0% | — |
| 設備投資強度設備投資 / 売上 | 2.9% | — |
| キャッシュ転換率営業CF / 純利益 | 5.39× | 0.29× |
| 直近12ヶ月FCF直近4四半期 | $41.3M | — |
8四半期トレンド — 暦四半期で整列
営業キャッシュフローPMTSRILY
| Q4 25 | $39.6M | $26.2M | ||
| Q3 25 | $10.0M | $-60.6M | ||
| Q2 25 | $4.3M | $-25.6M | ||
| Q1 25 | $5.6M | $184.0K | ||
| Q4 24 | $26.7M | $-2.7M | ||
| Q3 24 | $12.5M | $19.5M | ||
| Q2 24 | $-4.8M | $111.5M | ||
| Q1 24 | $8.9M | $135.4M |
フリーキャッシュフローPMTSRILY
| Q4 25 | $35.2M | — | ||
| Q3 25 | $5.3M | — | ||
| Q2 25 | $533.0K | — | ||
| Q1 25 | $292.0K | — | ||
| Q4 24 | $21.6M | — | ||
| Q3 24 | $11.1M | — | ||
| Q2 24 | $-6.0M | — | ||
| Q1 24 | $7.4M | — |
FCFマージンPMTSRILY
| Q4 25 | 23.0% | — | ||
| Q3 25 | 3.8% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 17.3% | — | ||
| Q3 24 | 8.9% | — | ||
| Q2 24 | -5.0% | — | ||
| Q1 24 | 6.6% | — |
設備投資強度PMTSRILY
| Q4 25 | 2.9% | — | ||
| Q3 25 | 3.4% | — | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 4.3% | — | ||
| Q4 24 | 4.0% | — | ||
| Q3 24 | 1.2% | — | ||
| Q2 24 | 1.0% | — | ||
| Q1 24 | 1.3% | — |
キャッシュ転換率PMTSRILY
| Q4 25 | 5.39× | 0.29× | ||
| Q3 25 | 4.32× | -0.66× | ||
| Q2 25 | 8.39× | -0.18× | ||
| Q1 25 | 1.17× | — | ||
| Q4 24 | 3.94× | — | ||
| Q3 24 | 9.70× | — | ||
| Q2 24 | -0.79× | — | ||
| Q1 24 | 1.63× | — |
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
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
RILY
| Transferred At Point In Time | $101.4M | 54% |
| Wealth Management Segment | $30.7M | 16% |
| Corporate Finance Consulting And Investment Banking Fees | $27.1M | 14% |
| Services And Fees | $24.8M | 13% |
| Commissions Fees And Reimbursed Expenses | $4.8M | 3% |
