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CREDIT ACCEPTANCE CORP（CACC）与Rollins, Inc.（ROL）财务数据对比。点击上方公司名可切换其他公司
Rollins, Inc.的季度营收约是CREDIT ACCEPTANCE CORP的1.6倍（$906.4M vs $579.9M），CREDIT ACCEPTANCE CORP净利率更高（21.0% vs 11.9%，领先9.1%），Rollins, Inc.同比增速更快（10.2% vs 2.5%），CREDIT ACCEPTANCE CORP自由现金流更多（$268.9M vs $111.2M），过去两年CREDIT ACCEPTANCE CORP的营收复合增速更高（6.8% vs 0.8%）
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。
Rollins, Inc.是北美知名虫害防治服务商，面向住宅及商业客户提供专业防控服务。公司依托Orkin、HomeTeam Pest Defense等多家全资子公司布局全球业务，覆盖北美、英国等市场，在民用及商用虫害治理领域具备深厚的行业积累与品牌优势。
CACC vs ROL — 直观对比
营收规模更大
ROL
是对方的1.6倍
$579.9M
营收增速更快
ROL
高出7.7%
2.5%
净利率更高
CACC
高出9.1%
11.9%
自由现金流更多
CACC
多$157.7M
$111.2M
两年增速更快
CACC
近两年复合增速
0.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $579.9M | $906.4M |
| 净利润 | $122.0M | $107.8M |
| 毛利率 | — | — |
| 营业利润率 | 27.1% | 16.1% |
| 净利率 | 21.0% | 11.9% |
| 营收同比 | 2.5% | 10.2% |
| 净利润同比 | -19.7% | 2.5% |
| 每股收益（稀释后） | $10.87 | $0.22 |
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CACCROL
| Q1 26 | — | $906.4M | ||
| Q4 25 | $579.9M | $912.9M | ||
| Q3 25 | $582.4M | $1.0B | ||
| Q2 25 | $583.8M | $999.5M | ||
| Q1 25 | $571.1M | $822.5M | ||
| Q4 24 | $565.9M | $832.2M | ||
| Q3 24 | $550.3M | $916.3M | ||
| Q2 24 | $538.2M | $891.9M |
净利润CACCROL
| Q1 26 | — | $107.8M | ||
| Q4 25 | $122.0M | $116.4M | ||
| Q3 25 | $108.2M | $163.5M | ||
| Q2 25 | $87.4M | $141.5M | ||
| Q1 25 | $106.3M | $105.2M | ||
| Q4 24 | $151.9M | $105.7M | ||
| Q3 24 | $78.8M | $136.9M | ||
| Q2 24 | $-47.1M | $129.4M |
营业利润率CACCROL
| Q1 26 | — | 16.1% | ||
| Q4 25 | 27.1% | 17.5% | ||
| Q3 25 | 25.6% | 21.9% | ||
| Q2 25 | 20.2% | 19.8% | ||
| Q1 25 | 24.8% | 17.3% | ||
| Q4 24 | 33.9% | 18.1% | ||
| Q3 24 | 19.4% | 20.9% | ||
| Q2 24 | -10.3% | 20.4% |
净利率CACCROL
| Q1 26 | — | 11.9% | ||
| Q4 25 | 21.0% | 12.8% | ||
| Q3 25 | 18.6% | 15.9% | ||
| Q2 25 | 15.0% | 14.2% | ||
| Q1 25 | 18.6% | 12.8% | ||
| Q4 24 | 26.8% | 12.7% | ||
| Q3 24 | 14.3% | 14.9% | ||
| Q2 24 | -8.8% | 14.5% |
每股收益（稀释后）CACCROL
| Q1 26 | — | $0.22 | ||
| Q4 25 | $10.87 | $0.24 | ||
| Q3 25 | $9.43 | $0.34 | ||
| Q2 25 | $7.42 | $0.29 | ||
| Q1 25 | $8.66 | $0.22 | ||
| Q4 24 | $12.28 | $0.22 | ||
| Q3 24 | $6.35 | $0.28 | ||
| Q2 24 | $-3.83 | $0.27 |
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 | $116.5M |
| 总债务越低越好 | — | $650.6M |
| 股东权益账面价值 | $1.5B | $1.4B |
| 总资产 | $8.6B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.47× |
8季度趋势，按日历期对齐
现金及短期投资CACCROL
| Q1 26 | — | $116.5M | ||
| Q4 25 | $22.8M | $100.0M | ||
| Q3 25 | $15.9M | $127.4M | ||
| Q2 25 | $70.0M | $123.0M | ||
| Q1 25 | $528.8M | $201.2M | ||
| Q4 24 | $343.7M | $89.6M | ||
| Q3 24 | $159.7M | $95.3M | ||
| Q2 24 | $8.3M | $106.7M |
总债务CACCROL
| Q1 26 | — | $650.6M | ||
| Q4 25 | — | $486.1M | ||
| Q3 25 | — | $485.7M | ||
| Q2 25 | — | $485.3M | ||
| Q1 25 | — | $485.5M | ||
| Q4 24 | — | $395.3M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益CACCROL
| Q1 26 | — | $1.4B | ||
| Q4 25 | $1.5B | $1.4B | ||
| Q3 25 | $1.6B | $1.5B | ||
| Q2 25 | $1.6B | $1.4B | ||
| Q1 25 | $1.7B | $1.4B | ||
| Q4 24 | $1.7B | $1.3B | ||
| Q3 24 | $1.6B | $1.3B | ||
| Q2 24 | $1.6B | $1.2B |
总资产CACCROL
| Q1 26 | — | $3.2B | ||
| Q4 25 | $8.6B | $3.1B | ||
| Q3 25 | $8.6B | $3.2B | ||
| Q2 25 | $8.7B | $3.2B | ||
| Q1 25 | $9.3B | $2.9B | ||
| Q4 24 | $8.9B | $2.8B | ||
| Q3 24 | $8.7B | $2.8B | ||
| Q2 24 | $8.3B | $2.8B |
负债/权益比CACCROL
| Q1 26 | — | 0.47× | ||
| Q4 25 | — | 0.35× | ||
| Q3 25 | — | 0.32× | ||
| Q2 25 | — | 0.34× | ||
| Q1 25 | — | 0.36× | ||
| Q4 24 | — | 0.30× | ||
| Q3 24 | — | — | ||
| Q2 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 | $118.4M |
| 自由现金流经营现金流 - 资本支出 | $268.9M | $111.2M |
| 自由现金流率自由现金流/营收 | 46.4% | 12.3% |
| 资本支出强度资本支出/营收 | 0.1% | 0.8% |
| 现金转化率经营现金流/净利润 | 2.21× | 1.10× |
| 过去12个月自由现金流最近4个季度 | $1.1B | $621.1M |
8季度趋势，按日历期对齐
经营现金流CACCROL
| Q1 26 | — | $118.4M | ||
| Q4 25 | $269.3M | $164.7M | ||
| Q3 25 | $299.4M | $191.3M | ||
| Q2 25 | $139.7M | $175.1M | ||
| Q1 25 | $346.2M | $146.9M | ||
| Q4 24 | $306.2M | $188.2M | ||
| Q3 24 | $317.7M | $146.9M | ||
| Q2 24 | $204.0M | $145.1M |
自由现金流CACCROL
| Q1 26 | — | $111.2M | ||
| Q4 25 | $268.9M | $159.0M | ||
| Q3 25 | $298.8M | $182.8M | ||
| Q2 25 | $139.4M | $168.0M | ||
| Q1 25 | $345.9M | $140.1M | ||
| Q4 24 | $305.5M | $184.0M | ||
| Q3 24 | $317.3M | $139.4M | ||
| Q2 24 | $203.6M | $136.4M |
自由现金流率CACCROL
| Q1 26 | — | 12.3% | ||
| Q4 25 | 46.4% | 17.4% | ||
| Q3 25 | 51.3% | 17.8% | ||
| Q2 25 | 23.9% | 16.8% | ||
| Q1 25 | 60.6% | 17.0% | ||
| Q4 24 | 54.0% | 22.1% | ||
| Q3 24 | 57.7% | 15.2% | ||
| Q2 24 | 37.8% | 15.3% |
资本支出强度CACCROL
| Q1 26 | — | 0.8% | ||
| Q4 25 | 0.1% | 0.6% | ||
| Q3 25 | 0.1% | 0.8% | ||
| Q2 25 | 0.1% | 0.7% | ||
| Q1 25 | 0.1% | 0.8% | ||
| Q4 24 | 0.1% | 0.5% | ||
| Q3 24 | 0.1% | 0.8% | ||
| Q2 24 | 0.1% | 1.0% |
现金转化率CACCROL
| Q1 26 | — | 1.10× | ||
| Q4 25 | 2.21× | 1.41× | ||
| Q3 25 | 2.77× | 1.17× | ||
| Q2 25 | 1.60× | 1.24× | ||
| Q1 25 | 3.26× | 1.40× | ||
| Q4 24 | 2.02× | 1.78× | ||
| Q3 24 | 4.03× | 1.07× | ||
| Q2 24 | — | 1.12× |
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% |
ROL
暂无分部数据
