vs
CREDIT ACCEPTANCE CORP（CACC）与Revvity（RVTY）财务数据对比。点击上方公司名可切换其他公司
Revvity的季度营收约是CREDIT ACCEPTANCE CORP的1.3倍（$772.1M vs $579.9M），CREDIT ACCEPTANCE CORP净利率更高（21.0% vs 12.7%，领先8.3%），Revvity同比增速更快（5.9% vs 2.5%），CREDIT ACCEPTANCE CORP自由现金流更多（$268.9M vs $161.8M），过去两年Revvity的营收复合增速更高（9.0% 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。
Revvity是一家美国生命科学与诊断领域企业，主要服务制药、生物技术行业客户，重点围绕细胞治疗、基因治疗等前沿技术领域提供相关产品与解决方案，其前身为业务布局多元的老牌企业珀金埃尔默。
CACC vs RVTY — 直观对比
营收规模更大
RVTY
是对方的1.3倍
$579.9M
营收增速更快
RVTY
高出3.4%
2.5%
净利率更高
CACC
高出8.3%
12.7%
自由现金流更多
CACC
多$107.1M
$161.8M
两年增速更快
RVTY
近两年复合增速
6.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $579.9M | $772.1M |
| 净利润 | $122.0M | $98.4M |
| 毛利率 | — | — |
| 营业利润率 | 27.1% | 14.5% |
| 净利率 | 21.0% | 12.7% |
| 营收同比 | 2.5% | 5.9% |
| 净利润同比 | -19.7% | 3.9% |
| 每股收益（稀释后） | $10.87 | $0.86 |
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CACCRVTY
| Q4 25 | $579.9M | $772.1M | ||
| Q3 25 | $582.4M | $698.9M | ||
| Q2 25 | $583.8M | $720.3M | ||
| Q1 25 | $571.1M | $664.8M | ||
| Q4 24 | $565.9M | $729.4M | ||
| Q3 24 | $550.3M | $684.0M | ||
| Q2 24 | $538.2M | $691.7M | ||
| Q1 24 | $508.0M | $649.9M |
净利润CACCRVTY
| Q4 25 | $122.0M | $98.4M | ||
| Q3 25 | $108.2M | $46.7M | ||
| Q2 25 | $87.4M | $53.9M | ||
| Q1 25 | $106.3M | $42.2M | ||
| Q4 24 | $151.9M | $94.6M | ||
| Q3 24 | $78.8M | $94.4M | ||
| Q2 24 | $-47.1M | $55.4M | ||
| Q1 24 | $64.3M | $26.0M |
毛利率CACCRVTY
| Q4 25 | — | — | ||
| Q3 25 | — | 53.6% | ||
| Q2 25 | — | 54.5% | ||
| Q1 25 | — | 56.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 56.3% | ||
| Q2 24 | — | 55.7% | ||
| Q1 24 | — | 54.6% |
营业利润率CACCRVTY
| Q4 25 | 27.1% | 14.5% | ||
| Q3 25 | 25.6% | 11.7% | ||
| Q2 25 | 20.2% | 12.6% | ||
| Q1 25 | 24.8% | 10.9% | ||
| Q4 24 | 33.9% | 16.3% | ||
| Q3 24 | 19.4% | 14.3% | ||
| Q2 24 | -10.3% | 12.4% | ||
| Q1 24 | 17.0% | 6.8% |
净利率CACCRVTY
| Q4 25 | 21.0% | 12.7% | ||
| Q3 25 | 18.6% | 6.7% | ||
| Q2 25 | 15.0% | 7.5% | ||
| Q1 25 | 18.6% | 6.4% | ||
| Q4 24 | 26.8% | 13.0% | ||
| Q3 24 | 14.3% | 13.8% | ||
| Q2 24 | -8.8% | 8.0% | ||
| Q1 24 | 12.7% | 4.0% |
每股收益（稀释后）CACCRVTY
| Q4 25 | $10.87 | $0.86 | ||
| Q3 25 | $9.43 | $0.40 | ||
| Q2 25 | $7.42 | $0.46 | ||
| Q1 25 | $8.66 | $0.35 | ||
| Q4 24 | $12.28 | $0.77 | ||
| Q3 24 | $6.35 | $0.77 | ||
| Q2 24 | $-3.83 | $0.45 | ||
| Q1 24 | $5.08 | $0.21 |
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 | $919.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.5B | $7.3B |
| 总资产 | $8.6B | $12.2B |
| 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CACCRVTY
| Q4 25 | $22.8M | $919.9M | ||
| Q3 25 | $15.9M | $931.4M | ||
| Q2 25 | $70.0M | $991.8M | ||
| Q1 25 | $528.8M | $1.1B | ||
| Q4 24 | $343.7M | $1.2B | ||
| Q3 24 | $159.7M | $1.2B | ||
| Q2 24 | $8.3M | $2.0B | ||
| Q1 24 | $8.4M | $1.7B |
股东权益CACCRVTY
| Q4 25 | $1.5B | $7.3B | ||
| Q3 25 | $1.6B | $7.4B | ||
| Q2 25 | $1.6B | $7.6B | ||
| Q1 25 | $1.7B | $7.6B | ||
| Q4 24 | $1.7B | $7.7B | ||
| Q3 24 | $1.6B | $7.9B | ||
| Q2 24 | $1.6B | $7.9B | ||
| Q1 24 | $1.7B | $7.8B |
总资产CACCRVTY
| Q4 25 | $8.6B | $12.2B | ||
| Q3 25 | $8.6B | $12.1B | ||
| Q2 25 | $8.7B | $12.4B | ||
| Q1 25 | $9.3B | $12.4B | ||
| Q4 24 | $8.9B | $12.4B | ||
| Q3 24 | $8.7B | $12.8B | ||
| Q2 24 | $8.3B | $13.4B | ||
| Q1 24 | $8.1B | $13.4B |
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 | $182.0M |
| 自由现金流经营现金流 - 资本支出 | $268.9M | $161.8M |
| 自由现金流率自由现金流/营收 | 46.4% | 21.0% |
| 资本支出强度资本支出/营收 | 0.1% | 2.6% |
| 现金转化率经营现金流/净利润 | 2.21× | 1.85× |
| 过去12个月自由现金流最近4个季度 | $1.1B | $509.4M |
8季度趋势，按日历期对齐
经营现金流CACCRVTY
| Q4 25 | $269.3M | $182.0M | ||
| Q3 25 | $299.4M | $138.5M | ||
| Q2 25 | $139.7M | $134.3M | ||
| Q1 25 | $346.2M | $128.2M | ||
| Q4 24 | $306.2M | $174.2M | ||
| Q3 24 | $317.7M | $147.9M | ||
| Q2 24 | $204.0M | $158.6M | ||
| Q1 24 | $310.0M | $147.6M |
自由现金流CACCRVTY
| Q4 25 | $268.9M | $161.8M | ||
| Q3 25 | $298.8M | $120.0M | ||
| Q2 25 | $139.4M | $115.5M | ||
| Q1 25 | $345.9M | $112.2M | ||
| Q4 24 | $305.5M | $149.8M | ||
| Q3 24 | $317.3M | $125.6M | ||
| Q2 24 | $203.6M | $136.6M | ||
| Q1 24 | $309.7M | $129.7M |
自由现金流率CACCRVTY
| Q4 25 | 46.4% | 21.0% | ||
| Q3 25 | 51.3% | 17.2% | ||
| Q2 25 | 23.9% | 16.0% | ||
| Q1 25 | 60.6% | 16.9% | ||
| Q4 24 | 54.0% | 20.5% | ||
| Q3 24 | 57.7% | 18.4% | ||
| Q2 24 | 37.8% | 19.7% | ||
| Q1 24 | 61.0% | 20.0% |
资本支出强度CACCRVTY
| Q4 25 | 0.1% | 2.6% | ||
| Q3 25 | 0.1% | 2.6% | ||
| Q2 25 | 0.1% | 2.6% | ||
| Q1 25 | 0.1% | 2.4% | ||
| Q4 24 | 0.1% | 3.4% | ||
| Q3 24 | 0.1% | 3.3% | ||
| Q2 24 | 0.1% | 3.2% | ||
| Q1 24 | 0.1% | 2.7% |
现金转化率CACCRVTY
| Q4 25 | 2.21× | 1.85× | ||
| Q3 25 | 2.77× | 2.97× | ||
| Q2 25 | 1.60× | 2.49× | ||
| Q1 25 | 3.26× | 3.03× | ||
| Q4 24 | 2.02× | 1.84× | ||
| Q3 24 | 4.03× | 1.57× | ||
| Q2 24 | — | 2.87× | ||
| Q1 24 | 4.82× | 5.67× |
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% |
RVTY
| Immunodiagnostics | $240.8M | 31% |
| Life Sciences | $191.4M | 25% |
| Reproductive Health | $149.3M | 19% |
| Segment Operating Income | $132.0M | 17% |
| Software | $62.3M | 8% |
