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CREDIT ACCEPTANCE CORP（CACC）与Regional Management Corp.（RM）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Regional Management Corp.的3.4倍（$579.9M vs $169.7M）。CREDIT ACCEPTANCE CORP净利率更高（21.0% vs 7.6%，领先13.4%）。Regional Management Corp.同比增速更快（9.6% vs 2.5%）。CREDIT ACCEPTANCE CORP自由现金流更多（$268.9M vs $78.6M）。过去两年Regional Management Corp.的营收复合增速更高（8.4% 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。
千禧管理有限责任公司是一家提供多策略对冲基金服务的投资管理机构，也是全球规模最大的另类资产管理机构之一，截至2026年1月，其管理资产规模达834亿美元，业务覆盖美洲、欧洲与亚洲。自1989年成立以来，截至2022年，该机构累计净收益在全球对冲基金中排名第四。
CACC vs RM — 直观对比
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $579.9M | $169.7M |
| 净利润 | $122.0M | $12.9M |
| 毛利率 | — | — |
| 营业利润率 | 27.1% | 9.5% |
| 净利率 | 21.0% | 7.6% |
| 营收同比 | 2.5% | 9.6% |
| 净利润同比 | -19.7% | 30.2% |
| 每股收益（稀释后） | $10.87 | $1.30 |
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
| Q4 25 | $579.9M | $169.7M | ||
| Q3 25 | $582.4M | $165.5M | ||
| Q2 25 | $583.8M | $157.4M | ||
| Q1 25 | $571.1M | $153.0M | ||
| Q4 24 | $565.9M | $154.8M | ||
| Q3 24 | $550.3M | $146.3M | ||
| Q2 24 | $538.2M | $143.0M | ||
| Q1 24 | $508.0M | $144.3M |
| Q4 25 | $122.0M | $12.9M | ||
| Q3 25 | $108.2M | $14.4M | ||
| Q2 25 | $87.4M | $10.1M | ||
| Q1 25 | $106.3M | $7.0M | ||
| Q4 24 | $151.9M | $9.9M | ||
| Q3 24 | $78.8M | $7.7M | ||
| Q2 24 | $-47.1M | $8.4M | ||
| Q1 24 | $64.3M | $15.2M |
| Q4 25 | 27.1% | 9.5% | ||
| Q3 25 | 25.6% | 11.5% | ||
| Q2 25 | 20.2% | 8.6% | ||
| Q1 25 | 24.8% | 6.0% | ||
| Q4 24 | 33.9% | 8.2% | ||
| Q3 24 | 19.4% | 6.9% | ||
| Q2 24 | -10.3% | 7.8% | ||
| Q1 24 | 17.0% | 13.8% |
| Q4 25 | 21.0% | 7.6% | ||
| Q3 25 | 18.6% | 8.7% | ||
| Q2 25 | 15.0% | 6.4% | ||
| Q1 25 | 18.6% | 4.6% | ||
| Q4 24 | 26.8% | 6.4% | ||
| Q3 24 | 14.3% | 5.2% | ||
| Q2 24 | -8.8% | 5.9% | ||
| Q1 24 | 12.7% | 10.5% |
| Q4 25 | $10.87 | $1.30 | ||
| Q3 25 | $9.43 | $1.42 | ||
| Q2 25 | $7.42 | $1.03 | ||
| Q1 25 | $8.66 | $0.70 | ||
| Q4 24 | $12.28 | $0.96 | ||
| Q3 24 | $6.35 | $0.76 | ||
| Q2 24 | $-3.83 | $0.86 | ||
| Q1 24 | $5.08 | $1.56 |
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 | — |
| 总债务越低越好 | — | $1.6B |
| 股东权益账面价值 | $1.5B | $373.1M |
| 总资产 | $8.6B | $2.1B |
| 负债/权益比越低杠杆越低 | — | 4.40× |
8季度趋势，按日历期对齐
| Q4 25 | $22.8M | — | ||
| Q3 25 | $15.9M | — | ||
| Q2 25 | $70.0M | — | ||
| Q1 25 | $528.8M | — | ||
| Q4 24 | $343.7M | — | ||
| Q3 24 | $159.7M | — | ||
| Q2 24 | $8.3M | — | ||
| Q1 24 | $8.4M | — |
| Q4 25 | — | $1.6B | ||
| Q3 25 | — | $1.6B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $1.5B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.4B | ||
| Q1 24 | — | $1.4B |
| Q4 25 | $1.5B | $373.1M | ||
| Q3 25 | $1.6B | $371.9M | ||
| Q2 25 | $1.6B | $363.0M | ||
| Q1 25 | $1.7B | $357.9M | ||
| Q4 24 | $1.7B | $357.1M | ||
| Q3 24 | $1.6B | $352.9M | ||
| Q2 24 | $1.6B | $344.9M | ||
| Q1 24 | $1.7B | $336.5M |
| Q4 25 | $8.6B | $2.1B | ||
| Q3 25 | $8.6B | $2.0B | ||
| Q2 25 | $8.7B | $2.0B | ||
| Q1 25 | $9.3B | $1.9B | ||
| Q4 24 | $8.9B | $1.9B | ||
| Q3 24 | $8.7B | $1.8B | ||
| Q2 24 | $8.3B | $1.8B | ||
| Q1 24 | $8.1B | $1.9B |
| Q4 25 | — | 4.40× | ||
| Q3 25 | — | 4.23× | ||
| Q2 25 | — | 4.14× | ||
| Q1 25 | — | 4.11× | ||
| Q4 24 | — | 4.12× | ||
| Q3 24 | — | 3.94× | ||
| Q2 24 | — | 3.98× | ||
| Q1 24 | — | 4.03× |
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 | $80.1M |
| 自由现金流经营现金流 - 资本支出 | $268.9M | $78.6M |
| 自由现金流率自由现金流/营收 | 46.4% | 46.3% |
| 资本支出强度资本支出/营收 | 0.1% | 0.9% |
| 现金转化率经营现金流/净利润 | 2.21× | 6.20× |
| 过去12个月自由现金流最近4个季度 | $1.1B | $304.3M |
8季度趋势，按日历期对齐
| Q4 25 | $269.3M | $80.1M | ||
| Q3 25 | $299.4M | $86.7M | ||
| Q2 25 | $139.7M | $78.7M | ||
| Q1 25 | $346.2M | $63.7M | ||
| Q4 24 | $306.2M | $63.8M | ||
| Q3 24 | $317.7M | $75.1M | ||
| Q2 24 | $204.0M | $71.5M | ||
| Q1 24 | $310.0M | $58.5M |
| Q4 25 | $268.9M | $78.6M | ||
| Q3 25 | $298.8M | $85.7M | ||
| Q2 25 | $139.4M | $77.6M | ||
| Q1 25 | $345.9M | $62.4M | ||
| Q4 24 | $305.5M | $62.3M | ||
| Q3 24 | $317.3M | $73.8M | ||
| Q2 24 | $203.6M | $70.3M | ||
| Q1 24 | $309.7M | $57.4M |
| Q4 25 | 46.4% | 46.3% | ||
| Q3 25 | 51.3% | 51.8% | ||
| Q2 25 | 23.9% | 49.3% | ||
| Q1 25 | 60.6% | 40.8% | ||
| Q4 24 | 54.0% | 40.3% | ||
| Q3 24 | 57.7% | 50.4% | ||
| Q2 24 | 37.8% | 49.1% | ||
| Q1 24 | 61.0% | 39.8% |
| Q4 25 | 0.1% | 0.9% | ||
| Q3 25 | 0.1% | 0.6% | ||
| Q2 25 | 0.1% | 0.6% | ||
| Q1 25 | 0.1% | 0.8% | ||
| Q4 24 | 0.1% | 1.0% | ||
| Q3 24 | 0.1% | 0.9% | ||
| Q2 24 | 0.1% | 0.8% | ||
| Q1 24 | 0.1% | 0.7% |
| Q4 25 | 2.21× | 6.20× | ||
| Q3 25 | 2.77× | 6.04× | ||
| Q2 25 | 1.60× | 7.76× | ||
| Q1 25 | 3.26× | 9.09× | ||
| Q4 24 | 2.02× | 6.44× | ||
| Q3 24 | 4.03× | 9.80× | ||
| Q2 24 | — | 8.47× | ||
| Q1 24 | 4.82× | 3.85× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
