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CREDIT ACCEPTANCE CORP（CACC）与Revolve Group, Inc.（RVLV）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Revolve Group, Inc.的1.8倍（$579.9M vs $324.4M），CREDIT ACCEPTANCE CORP净利率更高（21.0% vs 5.7%，领先15.3%），Revolve Group, Inc.同比增速更快（10.4% vs 2.5%），CREDIT ACCEPTANCE CORP自由现金流更多（$268.9M vs $-13.3M），过去两年Revolve Group, Inc.的营收复合增速更高（9.5% 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。
Revolve Theatre Company是总部位于英国泰晤士河畔亨利的剧团，专注于创作演出政治题材和莎士比亚系列戏剧作品，由奥利弗·登奇、乔·莫里斯与汤姆·史密斯共同创立运营。
CACC vs RVLV — 直观对比
营收规模更大
CACC
是对方的1.8倍
$324.4M
营收增速更快
RVLV
高出8.0%
2.5%
净利率更高
CACC
高出15.3%
5.7%
自由现金流更多
CACC
多$282.2M
$-13.3M
两年增速更快
RVLV
近两年复合增速
6.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $579.9M | $324.4M |
| 净利润 | $122.0M | $18.6M |
| 毛利率 | — | 53.3% |
| 营业利润率 | 27.1% | 6.3% |
| 净利率 | 21.0% | 5.7% |
| 营收同比 | 2.5% | 10.4% |
| 净利润同比 | -19.7% | 50.4% |
| 每股收益（稀释后） | $10.87 | $0.27 |
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CACCRVLV
| Q4 25 | $579.9M | $324.4M | ||
| Q3 25 | $582.4M | $295.6M | ||
| Q2 25 | $583.8M | $309.0M | ||
| Q1 25 | $571.1M | $296.7M | ||
| Q4 24 | $565.9M | $293.7M | ||
| Q3 24 | $550.3M | $283.1M | ||
| Q2 24 | $538.2M | $282.5M | ||
| Q1 24 | $508.0M | $270.6M |
净利润CACCRVLV
| Q4 25 | $122.0M | $18.6M | ||
| Q3 25 | $108.2M | $21.2M | ||
| Q2 25 | $87.4M | $10.2M | ||
| Q1 25 | $106.3M | $11.8M | ||
| Q4 24 | $151.9M | $12.3M | ||
| Q3 24 | $78.8M | $11.0M | ||
| Q2 24 | $-47.1M | $15.4M | ||
| Q1 24 | $64.3M | $10.9M |
毛利率CACCRVLV
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 54.6% | ||
| Q2 25 | — | 54.1% | ||
| Q1 25 | — | 52.0% | ||
| Q4 24 | — | 52.5% | ||
| Q3 24 | — | 51.2% | ||
| Q2 24 | — | 54.0% | ||
| Q1 24 | — | 52.3% |
营业利润率CACCRVLV
| Q4 25 | 27.1% | 6.3% | ||
| Q3 25 | 25.6% | 7.1% | ||
| Q2 25 | 20.2% | 5.8% | ||
| Q1 25 | 24.8% | 5.0% | ||
| Q4 24 | 33.9% | 3.9% | ||
| Q3 24 | 19.4% | 5.0% | ||
| Q2 24 | -10.3% | 5.8% | ||
| Q1 24 | 17.0% | 3.4% |
净利率CACCRVLV
| Q4 25 | 21.0% | 5.7% | ||
| Q3 25 | 18.6% | 7.2% | ||
| Q2 25 | 15.0% | 3.3% | ||
| Q1 25 | 18.6% | 4.0% | ||
| Q4 24 | 26.8% | 4.2% | ||
| Q3 24 | 14.3% | 3.9% | ||
| Q2 24 | -8.8% | 5.4% | ||
| Q1 24 | 12.7% | 4.0% |
每股收益（稀释后）CACCRVLV
| Q4 25 | $10.87 | $0.27 | ||
| Q3 25 | $9.43 | $0.29 | ||
| Q2 25 | $7.42 | $0.14 | ||
| Q1 25 | $8.66 | $0.16 | ||
| Q4 24 | $12.28 | $0.18 | ||
| Q3 24 | $6.35 | $0.15 | ||
| Q2 24 | $-3.83 | $0.21 | ||
| Q1 24 | $5.08 | $0.15 |
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 | $292.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $512.5M |
| 总资产 | $8.6B | $765.0M |
| 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CACCRVLV
| Q4 25 | $22.8M | $292.3M | ||
| Q3 25 | $15.9M | $315.4M | ||
| Q2 25 | $70.0M | $310.7M | ||
| Q1 25 | $528.8M | $300.8M | ||
| Q4 24 | $343.7M | $256.6M | ||
| Q3 24 | $159.7M | $252.8M | ||
| Q2 24 | $8.3M | $244.7M | ||
| Q1 24 | $8.4M | $273.4M |
股东权益CACCRVLV
| Q4 25 | $1.5B | $512.5M | ||
| Q3 25 | $1.6B | $490.2M | ||
| Q2 25 | $1.6B | $468.6M | ||
| Q1 25 | $1.7B | $453.4M | ||
| Q4 24 | $1.7B | $437.8M | ||
| Q3 24 | $1.6B | $420.8M | ||
| Q2 24 | $1.6B | $405.8M | ||
| Q1 24 | $1.7B | $389.9M |
总资产CACCRVLV
| Q4 25 | $8.6B | $765.0M | ||
| Q3 25 | $8.6B | $751.3M | ||
| Q2 25 | $8.7B | $722.9M | ||
| Q1 25 | $9.3B | $713.9M | ||
| Q4 24 | $8.9B | $665.5M | ||
| Q3 24 | $8.7B | $670.9M | ||
| Q2 24 | $8.3B | $657.8M | ||
| Q1 24 | $8.1B | $650.0M |
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 | $-10.2M |
| 自由现金流经营现金流 - 资本支出 | $268.9M | $-13.3M |
| 自由现金流率自由现金流/营收 | 46.4% | -4.1% |
| 资本支出强度资本支出/营收 | 0.1% | 1.0% |
| 现金转化率经营现金流/净利润 | 2.21× | -0.55× |
| 过去12个月自由现金流最近4个季度 | $1.1B | $48.0M |
8季度趋势，按日历期对齐
经营现金流CACCRVLV
| Q4 25 | $269.3M | $-10.2M | ||
| Q3 25 | $299.4M | $11.8M | ||
| Q2 25 | $139.7M | $12.6M | ||
| Q1 25 | $346.2M | $45.1M | ||
| Q4 24 | $306.2M | $3.9M | ||
| Q3 24 | $317.7M | $9.1M | ||
| Q2 24 | $204.0M | $-24.7M | ||
| Q1 24 | $310.0M | $38.4M |
自由现金流CACCRVLV
| Q4 25 | $268.9M | $-13.3M | ||
| Q3 25 | $298.8M | $7.5M | ||
| Q2 25 | $139.4M | $10.4M | ||
| Q1 25 | $345.9M | $43.4M | ||
| Q4 24 | $305.5M | $2.1M | ||
| Q3 24 | $317.3M | $8.0M | ||
| Q2 24 | $203.6M | $-25.7M | ||
| Q1 24 | $309.7M | $36.7M |
自由现金流率CACCRVLV
| Q4 25 | 46.4% | -4.1% | ||
| Q3 25 | 51.3% | 2.5% | ||
| Q2 25 | 23.9% | 3.4% | ||
| Q1 25 | 60.6% | 14.6% | ||
| Q4 24 | 54.0% | 0.7% | ||
| Q3 24 | 57.7% | 2.8% | ||
| Q2 24 | 37.8% | -9.1% | ||
| Q1 24 | 61.0% | 13.5% |
资本支出强度CACCRVLV
| Q4 25 | 0.1% | 1.0% | ||
| Q3 25 | 0.1% | 1.5% | ||
| Q2 25 | 0.1% | 0.7% | ||
| Q1 25 | 0.1% | 0.6% | ||
| Q4 24 | 0.1% | 0.6% | ||
| Q3 24 | 0.1% | 0.4% | ||
| Q2 24 | 0.1% | 0.4% | ||
| Q1 24 | 0.1% | 0.6% |
现金转化率CACCRVLV
| Q4 25 | 2.21× | -0.55× | ||
| Q3 25 | 2.77× | 0.56× | ||
| Q2 25 | 1.60× | 1.24× | ||
| Q1 25 | 3.26× | 3.82× | ||
| Q4 24 | 2.02× | 0.32× | ||
| Q3 24 | 4.03× | 0.83× | ||
| Q2 24 | — | -1.60× | ||
| Q1 24 | 4.82× | 3.53× |
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% |
RVLV
| Fashion Apparel | $155.1M | 48% |
| Dresses | $76.4M | 24% |
| Handbags Shoes And Accessories | $67.6M | 21% |
| Beauty | $20.3M | 6% |
| Manufactured Product Other | $5.0M | 2% |
| Breakage On Store Credit And Gift Cards | $900.0K | 0% |
