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CREDIT ACCEPTANCE CORP（CACC）与固瑞克（GGG）财务数据对比。点击上方公司名可切换其他公司
固瑞克的季度营收约是CREDIT ACCEPTANCE CORP的1.0倍（$593.2M vs $579.9M），固瑞克净利率更高（22.3% vs 21.0%，领先1.3%），固瑞克同比增速更快（8.1% vs 2.5%），CREDIT ACCEPTANCE CORP自由现金流更多（$268.9M vs $184.3M），过去两年固瑞克的营收复合增速更高（9.8% 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。
固瑞克（Graco Inc.）是总部位于美国明尼苏达州明尼阿波利斯的工业企业，专注于流体处理系统及相关产品的研发与制造，旗下产品销往全球各地，广泛应用于多个工业领域。
CACC vs GGG — 直观对比
营收规模更大
GGG
是对方的1.0倍
$579.9M
营收增速更快
GGG
高出5.6%
2.5%
净利率更高
GGG
高出1.3%
21.0%
自由现金流更多
CACC
多$84.6M
$184.3M
两年增速更快
GGG
近两年复合增速
6.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $579.9M | $593.2M |
| 净利润 | $122.0M | $132.5M |
| 毛利率 | — | 51.7% |
| 营业利润率 | 27.1% | 26.7% |
| 净利率 | 21.0% | 22.3% |
| 营收同比 | 2.5% | 8.1% |
| 净利润同比 | -19.7% | 21.9% |
| 每股收益（稀释后） | $10.87 | $0.78 |
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CACCGGG
| Q4 25 | $579.9M | $593.2M | ||
| Q3 25 | $582.4M | $543.4M | ||
| Q2 25 | $583.8M | $571.8M | ||
| Q1 25 | $571.1M | $528.3M | ||
| Q4 24 | $565.9M | $548.7M | ||
| Q3 24 | $550.3M | $519.2M | ||
| Q2 24 | $538.2M | $553.2M | ||
| Q1 24 | $508.0M | $492.2M |
净利润CACCGGG
| Q4 25 | $122.0M | $132.5M | ||
| Q3 25 | $108.2M | $137.6M | ||
| Q2 25 | $87.4M | $127.6M | ||
| Q1 25 | $106.3M | $124.1M | ||
| Q4 24 | $151.9M | $108.7M | ||
| Q3 24 | $78.8M | $122.2M | ||
| Q2 24 | $-47.1M | $133.0M | ||
| Q1 24 | $64.3M | $122.2M |
毛利率CACCGGG
| Q4 25 | — | 51.7% | ||
| Q3 25 | — | 53.2% | ||
| Q2 25 | — | 52.4% | ||
| Q1 25 | — | 52.6% | ||
| Q4 24 | — | 50.9% | ||
| Q3 24 | — | 53.2% | ||
| Q2 24 | — | 54.4% | ||
| Q1 24 | — | 54.1% |
营业利润率CACCGGG
| Q4 25 | 27.1% | 26.7% | ||
| Q3 25 | 25.6% | 30.3% | ||
| Q2 25 | 20.2% | 27.5% | ||
| Q1 25 | 24.8% | 27.3% | ||
| Q4 24 | 33.9% | 23.7% | ||
| Q3 24 | 19.4% | 28.1% | ||
| Q2 24 | -10.3% | 29.2% | ||
| Q1 24 | 17.0% | 27.0% |
净利率CACCGGG
| Q4 25 | 21.0% | 22.3% | ||
| Q3 25 | 18.6% | 25.3% | ||
| Q2 25 | 15.0% | 22.3% | ||
| Q1 25 | 18.6% | 23.5% | ||
| Q4 24 | 26.8% | 19.8% | ||
| Q3 24 | 14.3% | 23.5% | ||
| Q2 24 | -8.8% | 24.0% | ||
| Q1 24 | 12.7% | 24.8% |
每股收益（稀释后）CACCGGG
| Q4 25 | $10.87 | $0.78 | ||
| Q3 25 | $9.43 | $0.82 | ||
| Q2 25 | $7.42 | $0.76 | ||
| Q1 25 | $8.66 | $0.72 | ||
| Q4 24 | $12.28 | $0.63 | ||
| Q3 24 | $6.35 | $0.71 | ||
| Q2 24 | $-3.83 | $0.77 | ||
| Q1 24 | $5.08 | $0.71 |
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 | $624.1M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $2.7B |
| 总资产 | $8.6B | $3.3B |
| 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CACCGGG
| Q4 25 | $22.8M | $624.1M | ||
| Q3 25 | $15.9M | $618.7M | ||
| Q2 25 | $70.0M | $534.9M | ||
| Q1 25 | $528.8M | $536.1M | ||
| Q4 24 | $343.7M | $675.3M | ||
| Q3 24 | $159.7M | $764.5M | ||
| Q2 24 | $8.3M | $666.0M | ||
| Q1 24 | $8.4M | $622.7M |
股东权益CACCGGG
| Q4 25 | $1.5B | $2.7B | ||
| Q3 25 | $1.6B | $2.6B | ||
| Q2 25 | $1.6B | $2.5B | ||
| Q1 25 | $1.7B | $2.5B | ||
| Q4 24 | $1.7B | $2.6B | ||
| Q3 24 | $1.6B | $2.5B | ||
| Q2 24 | $1.6B | $2.4B | ||
| Q1 24 | $1.7B | $2.3B |
总资产CACCGGG
| Q4 25 | $8.6B | $3.3B | ||
| Q3 25 | $8.6B | $3.2B | ||
| Q2 25 | $8.7B | $3.0B | ||
| Q1 25 | $9.3B | $3.0B | ||
| Q4 24 | $8.9B | $3.1B | ||
| Q3 24 | $8.7B | $3.0B | ||
| Q2 24 | $8.3B | $2.9B | ||
| Q1 24 | $8.1B | $2.8B |
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 | $196.3M |
| 自由现金流经营现金流 - 资本支出 | $268.9M | $184.3M |
| 自由现金流率自由现金流/营收 | 46.4% | 31.1% |
| 资本支出强度资本支出/营收 | 0.1% | 2.0% |
| 现金转化率经营现金流/净利润 | 2.21× | 1.48× |
| 过去12个月自由现金流最近4个季度 | $1.1B | $637.9M |
8季度趋势，按日历期对齐
经营现金流CACCGGG
| Q4 25 | $269.3M | $196.3M | ||
| Q3 25 | $299.4M | $179.2M | ||
| Q2 25 | $139.7M | $182.7M | ||
| Q1 25 | $346.2M | $125.4M | ||
| Q4 24 | $306.2M | $185.2M | ||
| Q3 24 | $317.7M | $178.6M | ||
| Q2 24 | $204.0M | $139.0M | ||
| Q1 24 | $310.0M | $118.9M |
自由现金流CACCGGG
| Q4 25 | $268.9M | $184.3M | ||
| Q3 25 | $298.8M | $175.7M | ||
| Q2 25 | $139.4M | $163.1M | ||
| Q1 25 | $345.9M | $114.8M | ||
| Q4 24 | $305.5M | $171.3M | ||
| Q3 24 | $317.3M | $159.2M | ||
| Q2 24 | $203.6M | $102.7M | ||
| Q1 24 | $309.7M | $81.7M |
自由现金流率CACCGGG
| Q4 25 | 46.4% | 31.1% | ||
| Q3 25 | 51.3% | 32.3% | ||
| Q2 25 | 23.9% | 28.5% | ||
| Q1 25 | 60.6% | 21.7% | ||
| Q4 24 | 54.0% | 31.2% | ||
| Q3 24 | 57.7% | 30.7% | ||
| Q2 24 | 37.8% | 18.6% | ||
| Q1 24 | 61.0% | 16.6% |
资本支出强度CACCGGG
| Q4 25 | 0.1% | 2.0% | ||
| Q3 25 | 0.1% | 0.6% | ||
| Q2 25 | 0.1% | 3.4% | ||
| Q1 25 | 0.1% | 2.0% | ||
| Q4 24 | 0.1% | 2.5% | ||
| Q3 24 | 0.1% | 3.7% | ||
| Q2 24 | 0.1% | 6.6% | ||
| Q1 24 | 0.1% | 7.6% |
现金转化率CACCGGG
| Q4 25 | 2.21× | 1.48× | ||
| Q3 25 | 2.77× | 1.30× | ||
| Q2 25 | 1.60× | 1.43× | ||
| Q1 25 | 3.26× | 1.01× | ||
| Q4 24 | 2.02× | 1.70× | ||
| Q3 24 | 4.03× | 1.46× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | 4.82× | 0.97× |
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% |
GGG
| Industrial | $284.3M | 48% |
| Contractor | $265.5M | 45% |
| Other | $43.4M | 7% |
