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CREDIT ACCEPTANCE CORP（CACC）与Open Lending Corp（LPRO）财务数据对比。点击上方公司名可切换其他公司
CREDIT ACCEPTANCE CORP的季度营收约是Open Lending Corp的30.0倍（$579.9M vs $19.3M）。Open Lending Corp同比增速更快（134.0% vs 2.5%）。过去两年CREDIT ACCEPTANCE CORP的营收复合增速更高（6.8% vs -13.8%）
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。
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CACC vs LPRO — 直观对比
营收规模更大
CACC
是对方的30.0倍
$19.3M
营收增速更快
LPRO
高出131.5%
2.5%
两年增速更快
CACC
近两年复合增速
-13.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $579.9M | $19.3M |
| 净利润 | $122.0M | — |
| 毛利率 | — | 76.0% |
| 营业利润率 | 27.1% | 3.9% |
| 净利率 | 21.0% | — |
| 营收同比 | 2.5% | 134.0% |
| 净利润同比 | -19.7% | — |
| 每股收益（稀释后） | $10.87 | $-0.00 |
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CACCLPRO
| Q4 25 | $579.9M | $19.3M | ||
| Q3 25 | $582.4M | $24.2M | ||
| Q2 25 | $583.8M | $25.3M | ||
| Q1 25 | $571.1M | $24.4M | ||
| Q4 24 | $565.9M | $-56.9M | ||
| Q3 24 | $550.3M | $23.5M | ||
| Q2 24 | $538.2M | — | ||
| Q1 24 | $508.0M | — |
净利润CACCLPRO
| Q4 25 | $122.0M | — | ||
| Q3 25 | $108.2M | $-7.6M | ||
| Q2 25 | $87.4M | $1.0M | ||
| Q1 25 | $106.3M | $617.0K | ||
| Q4 24 | $151.9M | — | ||
| Q3 24 | $78.8M | $1.4M | ||
| Q2 24 | $-47.1M | — | ||
| Q1 24 | $64.3M | — |
毛利率CACCLPRO
| Q4 25 | — | 76.0% | ||
| Q3 25 | — | 78.0% | ||
| Q2 25 | — | 78.2% | ||
| Q1 25 | — | 75.1% | ||
| Q4 24 | — | 111.0% | ||
| Q3 24 | — | 73.9% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率CACCLPRO
| Q4 25 | 27.1% | 3.9% | ||
| Q3 25 | 25.6% | -31.9% | ||
| Q2 25 | 20.2% | 4.6% | ||
| Q1 25 | 24.8% | 3.1% | ||
| Q4 24 | 33.9% | 138.0% | ||
| Q3 24 | 19.4% | 7.9% | ||
| Q2 24 | -10.3% | — | ||
| Q1 24 | 17.0% | — |
净利率CACCLPRO
| Q4 25 | 21.0% | — | ||
| Q3 25 | 18.6% | -31.3% | ||
| Q2 25 | 15.0% | 4.1% | ||
| Q1 25 | 18.6% | 2.5% | ||
| Q4 24 | 26.8% | — | ||
| Q3 24 | 14.3% | 6.1% | ||
| Q2 24 | -8.8% | — | ||
| Q1 24 | 12.7% | — |
每股收益（稀释后）CACCLPRO
| Q4 25 | $10.87 | $-0.00 | ||
| Q3 25 | $9.43 | $-0.06 | ||
| Q2 25 | $7.42 | $0.01 | ||
| Q1 25 | $8.66 | $0.01 | ||
| Q4 24 | $12.28 | $-1.20 | ||
| Q3 24 | $6.35 | $0.01 | ||
| Q2 24 | $-3.83 | — | ||
| Q1 24 | $5.08 | — |
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 | $176.6M |
| 总债务越低越好 | — | $84.8M |
| 股东权益账面价值 | $1.5B | $75.0M |
| 总资产 | $8.6B | $236.7M |
| 负债/权益比越低杠杆越低 | — | 1.13× |
8季度趋势，按日历期对齐
现金及短期投资CACCLPRO
| Q4 25 | $22.8M | $176.6M | ||
| Q3 25 | $15.9M | $222.1M | ||
| Q2 25 | $70.0M | $230.7M | ||
| Q1 25 | $528.8M | $236.2M | ||
| Q4 24 | $343.7M | $243.2M | ||
| Q3 24 | $159.7M | $250.2M | ||
| Q2 24 | $8.3M | — | ||
| Q1 24 | $8.4M | — |
总债务CACCLPRO
| Q4 25 | — | $84.8M | ||
| Q3 25 | — | $134.4M | ||
| Q2 25 | — | $136.1M | ||
| Q1 25 | — | $137.9M | ||
| Q4 24 | — | $139.7M | ||
| Q3 24 | — | $141.5M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益CACCLPRO
| Q4 25 | $1.5B | $75.0M | ||
| Q3 25 | $1.6B | $72.8M | ||
| Q2 25 | $1.6B | $78.9M | ||
| Q1 25 | $1.7B | $79.8M | ||
| Q4 24 | $1.7B | $78.1M | ||
| Q3 24 | $1.6B | $220.5M | ||
| Q2 24 | $1.6B | — | ||
| Q1 24 | $1.7B | — |
总资产CACCLPRO
| Q4 25 | $8.6B | $236.7M | ||
| Q3 25 | $8.6B | $287.7M | ||
| Q2 25 | $8.7B | $296.7M | ||
| Q1 25 | $9.3B | $304.2M | ||
| Q4 24 | $8.9B | $296.4M | ||
| Q3 24 | $8.7B | $395.7M | ||
| Q2 24 | $8.3B | — | ||
| Q1 24 | $8.1B | — |
负债/权益比CACCLPRO
| Q4 25 | — | 1.13× | ||
| Q3 25 | — | 1.84× | ||
| Q2 25 | — | 1.72× | ||
| Q1 25 | — | 1.73× | ||
| Q4 24 | — | 1.79× | ||
| Q3 24 | — | 0.64× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $5.5M |
| 自由现金流经营现金流 - 资本支出 | $268.9M | — |
| 自由现金流率自由现金流/营收 | 46.4% | — |
| 资本支出强度资本支出/营收 | 0.1% | 0.0% |
| 现金转化率经营现金流/净利润 | 2.21× | — |
| 过去12个月自由现金流最近4个季度 | $1.1B | — |
8季度趋势，按日历期对齐
经营现金流CACCLPRO
| Q4 25 | $269.3M | $5.5M | ||
| Q3 25 | $299.4M | $-5.7M | ||
| Q2 25 | $139.7M | $848.0K | ||
| Q1 25 | $346.2M | $-3.8M | ||
| Q4 24 | $306.2M | $-3.4M | ||
| Q3 24 | $317.7M | $11.4M | ||
| Q2 24 | $204.0M | — | ||
| Q1 24 | $310.0M | — |
自由现金流CACCLPRO
| Q4 25 | $268.9M | — | ||
| Q3 25 | $298.8M | — | ||
| Q2 25 | $139.4M | $837.0K | ||
| Q1 25 | $345.9M | $-3.9M | ||
| Q4 24 | $305.5M | $-3.4M | ||
| Q3 24 | $317.3M | $11.3M | ||
| Q2 24 | $203.6M | — | ||
| Q1 24 | $309.7M | — |
自由现金流率CACCLPRO
| Q4 25 | 46.4% | — | ||
| Q3 25 | 51.3% | — | ||
| Q2 25 | 23.9% | 3.3% | ||
| Q1 25 | 60.6% | -15.9% | ||
| Q4 24 | 54.0% | 5.9% | ||
| Q3 24 | 57.7% | 48.0% | ||
| Q2 24 | 37.8% | — | ||
| Q1 24 | 61.0% | — |
资本支出强度CACCLPRO
| Q4 25 | 0.1% | 0.0% | ||
| Q3 25 | 0.1% | 0.0% | ||
| Q2 25 | 0.1% | 0.0% | ||
| Q1 25 | 0.1% | 0.2% | ||
| Q4 24 | 0.1% | -0.0% | ||
| Q3 24 | 0.1% | 0.5% | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.1% | — |
现金转化率CACCLPRO
| Q4 25 | 2.21× | — | ||
| Q3 25 | 2.77× | — | ||
| Q2 25 | 1.60× | 0.82× | ||
| Q1 25 | 3.26× | -6.22× | ||
| Q4 24 | 2.02× | — | ||
| Q3 24 | 4.03× | 7.92× | ||
| Q2 24 | — | — | ||
| Q1 24 | 4.82× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
