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CREDIT ACCEPTANCE CORP（CACC）与CNX Resources Corp（CNX）财务数据对比。点击上方公司名可切换其他公司
CNX Resources Corp的季度营收约是CREDIT ACCEPTANCE CORP的1.1倍（$610.5M vs $579.9M），CNX Resources Corp净利率更高（32.1% vs 21.0%，领先11.1%），CNX Resources Corp同比增速更快（347.0% vs 2.5%），CREDIT ACCEPTANCE CORP自由现金流更多（$268.9M vs $122.6M），过去两年CNX Resources Corp的营收复合增速更高（32.0% vs 6.8%）
Credit Acceptance是一家汽车金融服务提供商，主要提供汽车贷款及相关金融产品。公司通过覆盖全国的合作汽车经销商网络开展业务，设有“投资组合计划”和“采购计划”两大业务项目，可向汽车经销商提供资金，以此换取对应消费者贷款的后续服务权利。
CNX资源公司是总部位于美国匹兹堡的天然气企业，业务布局覆盖阿巴拉契亚盆地，核心产区位于宾夕法尼亚州、俄亥俄州、西弗吉尼亚州的马塞勒斯和尤蒂卡页岩区，同时在弗吉尼亚州开发煤层气资产、运营甲烷捕获减排项目，拥有完善的中游业务体系，是美国规模最大的天然气生产商之一。
CACC vs CNX — 直观对比
营收规模更大
CNX
是对方的1.1倍
$579.9M
营收增速更快
CNX
高出344.5%
2.5%
净利率更高
CNX
高出11.1%
21.0%
自由现金流更多
CACC
多$146.3M
$122.6M
两年增速更快
CNX
近两年复合增速
6.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $579.9M | $610.5M |
| 净利润 | $122.0M | $196.3M |
| 毛利率 | — | — |
| 营业利润率 | 27.1% | — |
| 净利率 | 21.0% | 32.1% |
| 营收同比 | 2.5% | 347.0% |
| 净利润同比 | -19.7% | 235.7% |
| 每股收益（稀释后） | $10.87 | $1.58 |
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CACCCNX
| Q4 25 | $579.9M | $610.5M | ||
| Q3 25 | $582.4M | $583.8M | ||
| Q2 25 | $583.8M | $962.4M | ||
| Q1 25 | $571.1M | — | ||
| Q4 24 | $565.9M | — | ||
| Q3 24 | $550.3M | $424.2M | ||
| Q2 24 | $538.2M | $321.4M | ||
| Q1 24 | $508.0M | $384.6M |
净利润CACCCNX
| Q4 25 | $122.0M | $196.3M | ||
| Q3 25 | $108.2M | $202.1M | ||
| Q2 25 | $87.4M | $432.5M | ||
| Q1 25 | $106.3M | — | ||
| Q4 24 | $151.9M | — | ||
| Q3 24 | $78.8M | $65.5M | ||
| Q2 24 | $-47.1M | $-18.3M | ||
| Q1 24 | $64.3M | $6.9M |
营业利润率CACCCNX
| Q4 25 | 27.1% | — | ||
| Q3 25 | 25.6% | — | ||
| Q2 25 | 20.2% | — | ||
| Q1 25 | 24.8% | — | ||
| Q4 24 | 33.9% | — | ||
| Q3 24 | 19.4% | — | ||
| Q2 24 | -10.3% | — | ||
| Q1 24 | 17.0% | — |
净利率CACCCNX
| Q4 25 | 21.0% | 32.1% | ||
| Q3 25 | 18.6% | 34.6% | ||
| Q2 25 | 15.0% | 44.9% | ||
| Q1 25 | 18.6% | — | ||
| Q4 24 | 26.8% | — | ||
| Q3 24 | 14.3% | 15.4% | ||
| Q2 24 | -8.8% | -5.7% | ||
| Q1 24 | 12.7% | 1.8% |
每股收益（稀释后）CACCCNX
| Q4 25 | $10.87 | $1.58 | ||
| Q3 25 | $9.43 | $1.21 | ||
| Q2 25 | $7.42 | $2.53 | ||
| Q1 25 | $8.66 | — | ||
| Q4 24 | $12.28 | — | ||
| Q3 24 | $6.35 | $0.37 | ||
| Q2 24 | $-3.83 | $-0.12 | ||
| Q1 24 | $5.08 | $0.04 |
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 | $22.8M | $779.0K |
| 总债务越低越好 | — | $2.4B |
| 股东权益账面价值 | $1.5B | $4.3B |
| 总资产 | $8.6B | $9.1B |
| 负债/权益比越低杠杆越低 | — | 0.56× |
8季度趋势，按日历期对齐
现金及短期投资CACCCNX
| Q4 25 | $22.8M | $779.0K | ||
| Q3 25 | $15.9M | $4.7M | ||
| Q2 25 | $70.0M | $3.4M | ||
| Q1 25 | $528.8M | — | ||
| Q4 24 | $343.7M | — | ||
| Q3 24 | $159.7M | $1.3M | ||
| Q2 24 | $8.3M | $3.9M | ||
| Q1 24 | $8.4M | $2.0M |
总债务CACCCNX
| Q4 25 | — | $2.4B | ||
| Q3 25 | — | $2.6B | ||
| Q2 25 | — | $2.6B | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $2.3B | ||
| Q2 24 | — | $2.3B | ||
| Q1 24 | — | $2.3B |
股东权益CACCCNX
| Q4 25 | $1.5B | $4.3B | ||
| Q3 25 | $1.6B | $4.1B | ||
| Q2 25 | $1.6B | $4.1B | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.6B | $4.3B | ||
| Q2 24 | $1.6B | $4.3B | ||
| Q1 24 | $1.7B | $4.3B |
总资产CACCCNX
| Q4 25 | $8.6B | $9.1B | ||
| Q3 25 | $8.6B | $8.9B | ||
| Q2 25 | $8.7B | $9.0B | ||
| Q1 25 | $9.3B | — | ||
| Q4 24 | $8.9B | — | ||
| Q3 24 | $8.7B | $8.5B | ||
| Q2 24 | $8.3B | $8.6B | ||
| Q1 24 | $8.1B | $8.7B |
负债/权益比CACCCNX
| Q4 25 | — | 0.56× | ||
| Q3 25 | — | 0.63× | ||
| Q2 25 | — | 0.64× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.54× | ||
| Q2 24 | — | 0.54× | ||
| 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 | $269.3M | $297.0M |
| 自由现金流经营现金流 - 资本支出 | $268.9M | $122.6M |
| 自由现金流率自由现金流/营收 | 46.4% | 20.1% |
| 资本支出强度资本支出/营收 | 0.1% | 28.6% |
| 现金转化率经营现金流/净利润 | 2.21× | 1.51× |
| 过去12个月自由现金流最近4个季度 | $1.1B | $505.2M |
8季度趋势，按日历期对齐
经营现金流CACCCNX
| Q4 25 | $269.3M | $297.0M | ||
| Q3 25 | $299.4M | $233.8M | ||
| Q2 25 | $139.7M | $282.5M | ||
| Q1 25 | $346.2M | — | ||
| Q4 24 | $306.2M | — | ||
| Q3 24 | $317.7M | $170.2M | ||
| Q2 24 | $204.0M | $191.8M | ||
| Q1 24 | $310.0M | $185.1M |
自由现金流CACCCNX
| Q4 25 | $268.9M | $122.6M | ||
| Q3 25 | $298.8M | $158.2M | ||
| Q2 25 | $139.4M | $168.9M | ||
| Q1 25 | $345.9M | — | ||
| Q4 24 | $305.5M | — | ||
| Q3 24 | $317.3M | $55.4M | ||
| Q2 24 | $203.6M | $39.8M | ||
| Q1 24 | $309.7M | $16.9M |
自由现金流率CACCCNX
| Q4 25 | 46.4% | 20.1% | ||
| Q3 25 | 51.3% | 27.1% | ||
| Q2 25 | 23.9% | 17.6% | ||
| Q1 25 | 60.6% | — | ||
| Q4 24 | 54.0% | — | ||
| Q3 24 | 57.7% | 13.1% | ||
| Q2 24 | 37.8% | 12.4% | ||
| Q1 24 | 61.0% | 4.4% |
资本支出强度CACCCNX
| Q4 25 | 0.1% | 28.6% | ||
| Q3 25 | 0.1% | 12.9% | ||
| Q2 25 | 0.1% | 11.8% | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 0.1% | 27.0% | ||
| Q2 24 | 0.1% | 47.3% | ||
| Q1 24 | 0.1% | 43.7% |
现金转化率CACCCNX
| Q4 25 | 2.21× | 1.51× | ||
| Q3 25 | 2.77× | 1.16× | ||
| Q2 25 | 1.60× | 0.65× | ||
| Q1 25 | 3.26× | — | ||
| Q4 24 | 2.02× | — | ||
| Q3 24 | 4.03× | 2.60× | ||
| Q2 24 | — | — | ||
| Q1 24 | 4.82× | 27.01× |
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
CACC
| Loans Receivable | $553.0M | 95% |
| Other | $26.9M | 5% |
CNX
| Natural Gas Reserves | $436.6M | 72% |
| Other | $66.8M | 11% |
| NG Ls | $38.1M | 6% |
| Coalbed Methane | $35.2M | 6% |
| Shale | $17.5M | 3% |
| Oil And Gas Purchased | $14.4M | 2% |
| Oil And Condensate | $1.9M | 0% |
