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CREDIT ACCEPTANCE CORP（CACC）与Rackspace Technology, Inc.（RXT）财务数据对比。点击上方公司名可切换其他公司
Rackspace Technology, Inc.的季度营收约是CREDIT ACCEPTANCE CORP的1.2倍（$682.8M vs $579.9M），CREDIT ACCEPTANCE CORP净利率更高（21.0% vs -4.8%，领先25.8%），CREDIT ACCEPTANCE CORP同比增速更快（2.5% vs -0.4%），CREDIT ACCEPTANCE CORP自由现金流更多（$268.9M vs $56.0M），过去两年CREDIT ACCEPTANCE CORP的营收复合增速更高（6.8% vs -0.6%）
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。
Rackspace Technology, Inc.是总部位于美国得克萨斯州圣安东尼奥的云计算企业，在弗吉尼亚州雷斯顿以及澳大利亚、加拿大、英国、印度、迪拜、瑞士、荷兰、德国、新加坡、墨西哥、中国香港等多个国家和地区设有办事处，数据中心分布于全球多个主要城市，为客户提供专业的云计算相关服务。
CACC vs RXT — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $579.9M | $682.8M |
| 净利润 | $122.0M | $-32.7M |
| 毛利率 | — | 17.6% |
| 营业利润率 | 27.1% | -0.5% |
| 净利率 | 21.0% | -4.8% |
| 营收同比 | 2.5% | -0.4% |
| 净利润同比 | -19.7% | 41.6% |
| 每股收益（稀释后） | $10.87 | $-0.13 |
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 | $682.8M | ||
| Q3 25 | $582.4M | $671.2M | ||
| Q2 25 | $583.8M | $666.3M | ||
| Q1 25 | $571.1M | $665.4M | ||
| Q4 24 | $565.9M | $685.6M | ||
| Q3 24 | $550.3M | $675.8M | ||
| Q2 24 | $538.2M | $684.9M | ||
| Q1 24 | $508.0M | $690.8M |
| Q4 25 | $122.0M | $-32.7M | ||
| Q3 25 | $108.2M | $-67.1M | ||
| Q2 25 | $87.4M | $-54.5M | ||
| Q1 25 | $106.3M | $-71.5M | ||
| Q4 24 | $151.9M | $-56.0M | ||
| Q3 24 | $78.8M | $-186.6M | ||
| Q2 24 | $-47.1M | $25.0M | ||
| Q1 24 | $64.3M | $-640.6M |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 19.4% | ||
| Q2 25 | — | 19.4% | ||
| Q1 25 | — | 19.1% | ||
| Q4 24 | — | 19.2% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | — | 19.2% | ||
| Q1 24 | — | 19.2% |
| Q4 25 | 27.1% | -0.5% | ||
| Q3 25 | 25.6% | -5.1% | ||
| Q2 25 | 20.2% | -3.8% | ||
| Q1 25 | 24.8% | -5.8% | ||
| Q4 24 | 33.9% | -4.2% | ||
| Q3 24 | 19.4% | -25.7% | ||
| Q2 24 | -10.3% | -7.9% | ||
| Q1 24 | 17.0% | -94.5% |
| Q4 25 | 21.0% | -4.8% | ||
| Q3 25 | 18.6% | -10.0% | ||
| Q2 25 | 15.0% | -8.2% | ||
| Q1 25 | 18.6% | -10.7% | ||
| Q4 24 | 26.8% | -8.2% | ||
| Q3 24 | 14.3% | -27.6% | ||
| Q2 24 | -8.8% | 3.7% | ||
| Q1 24 | 12.7% | -92.7% |
| Q4 25 | $10.87 | $-0.13 | ||
| Q3 25 | $9.43 | $-0.28 | ||
| Q2 25 | $7.42 | $-0.23 | ||
| Q1 25 | $8.66 | $-0.31 | ||
| Q4 24 | $12.28 | $-0.20 | ||
| Q3 24 | $6.35 | $-0.82 | ||
| Q2 24 | $-3.83 | $0.11 | ||
| Q1 24 | $5.08 | $-2.91 |
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 | $105.8M |
| 总债务越低越好 | — | $2.7B |
| 股东权益账面价值 | $1.5B | $-1.2B |
| 总资产 | $8.6B | $2.8B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $22.8M | $105.8M | ||
| Q3 25 | $15.9M | $99.5M | ||
| Q2 25 | $70.0M | $103.9M | ||
| Q1 25 | $528.8M | $128.0M | ||
| Q4 24 | $343.7M | $144.0M | ||
| Q3 24 | $159.7M | $157.1M | ||
| Q2 24 | $8.3M | $190.2M | ||
| Q1 24 | $8.4M | $282.6M |
| Q4 25 | — | $2.7B | ||
| Q3 25 | — | $2.8B | ||
| Q2 25 | — | $2.8B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | — | $2.8B | ||
| Q3 24 | — | $2.8B | ||
| Q2 24 | — | $2.9B | ||
| Q1 24 | — | $3.0B |
| Q4 25 | $1.5B | $-1.2B | ||
| Q3 25 | $1.6B | $-1.2B | ||
| Q2 25 | $1.6B | $-1.1B | ||
| Q1 25 | $1.7B | $-1.1B | ||
| Q4 24 | $1.7B | $-1.0B | ||
| Q3 24 | $1.6B | $-949.7M | ||
| Q2 24 | $1.6B | $-756.2M | ||
| Q1 24 | $1.7B | $-787.2M |
| Q4 25 | $8.6B | $2.8B | ||
| Q3 25 | $8.6B | $2.8B | ||
| Q2 25 | $8.7B | $2.9B | ||
| Q1 25 | $9.3B | $3.0B | ||
| Q4 24 | $8.9B | $3.1B | ||
| Q3 24 | $8.7B | $3.1B | ||
| Q2 24 | $8.3B | $3.4B | ||
| Q1 24 | $8.1B | $3.5B |
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 | $59.7M |
| 自由现金流经营现金流 - 资本支出 | $268.9M | $56.0M |
| 自由现金流率自由现金流/营收 | 46.4% | 8.2% |
| 资本支出强度资本支出/营收 | 0.1% | 0.5% |
| 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 | $90.6M |
8季度趋势，按日历期对齐
| Q4 25 | $269.3M | $59.7M | ||
| Q3 25 | $299.4M | $70.7M | ||
| Q2 25 | $139.7M | $8.4M | ||
| Q1 25 | $346.2M | $12.6M | ||
| Q4 24 | $306.2M | $54.3M | ||
| Q3 24 | $317.7M | $51.8M | ||
| Q2 24 | $204.0M | $24.1M | ||
| Q1 24 | $310.0M | $-90.3M |
| Q4 25 | $268.9M | $56.0M | ||
| Q3 25 | $298.8M | $42.7M | ||
| Q2 25 | $139.4M | $-12.4M | ||
| Q1 25 | $345.9M | $4.3M | ||
| Q4 24 | $305.5M | $34.4M | ||
| Q3 24 | $317.3M | $27.3M | ||
| Q2 24 | $203.6M | $-14.5M | ||
| Q1 24 | $309.7M | $-118.4M |
| Q4 25 | 46.4% | 8.2% | ||
| Q3 25 | 51.3% | 6.4% | ||
| Q2 25 | 23.9% | -1.9% | ||
| Q1 25 | 60.6% | 0.6% | ||
| Q4 24 | 54.0% | 5.0% | ||
| Q3 24 | 57.7% | 4.0% | ||
| Q2 24 | 37.8% | -2.1% | ||
| Q1 24 | 61.0% | -17.1% |
| Q4 25 | 0.1% | 0.5% | ||
| Q3 25 | 0.1% | 4.2% | ||
| Q2 25 | 0.1% | 3.1% | ||
| Q1 25 | 0.1% | 1.2% | ||
| Q4 24 | 0.1% | 2.9% | ||
| Q3 24 | 0.1% | 3.6% | ||
| Q2 24 | 0.1% | 5.6% | ||
| Q1 24 | 0.1% | 4.1% |
| Q4 25 | 2.21× | — | ||
| Q3 25 | 2.77× | — | ||
| Q2 25 | 1.60× | — | ||
| Q1 25 | 3.26× | — | ||
| Q4 24 | 2.02× | — | ||
| Q3 24 | 4.03× | — | ||
| Q2 24 | — | 0.96× | ||
| 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
业务分部营收拆解
CACC
| Loans Receivable | $553.0M | 95% |
| Other | $26.9M | 5% |
RXT
| Public Cloud Services Segment | $442.2M | 65% |
| Private Cloud Service Segment | $240.6M | 35% |
