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CREDIT ACCEPTANCE CORP（CACC）与SLM Corp（SLM）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SLM Corp的1.0倍（$579.9M vs $560.0M）。SLM Corp净利率更高（55.0% vs 21.0%，领先34.0%）。过去两年SLM Corp的营收复合增速更高（22.7% 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。
尼康旗下SLM Solutions AG总部位于德国吕贝克，是金属3D打印机领域的上市生产商，共同拥有SLM文字商标，集团股份自2014年5月9日起在法兰克福证券交易所高级市场板块挂牌交易。
CACC vs SLM — 直观对比
营收规模更大
CACC
是对方的1.0倍
$560.0M
净利率更高
SLM
高出34.0%
21.0%
两年增速更快
SLM
近两年复合增速
6.8%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $579.9M | $560.0M |
| 净利润 | $122.0M | $308.0M |
| 毛利率 | — | — |
| 营业利润率 | 27.1% | — |
| 净利率 | 21.0% | 55.0% |
| 营收同比 | 2.5% | — |
| 净利润同比 | -19.7% | 1.0% |
| 每股收益（稀释后） | $10.87 | $1.54 |
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CACCSLM
| Q1 26 | — | $560.0M | ||
| Q4 25 | $579.9M | $377.1M | ||
| Q3 25 | $582.4M | $373.0M | ||
| Q2 25 | $583.8M | $376.8M | ||
| Q1 25 | $571.1M | $375.0M | ||
| Q4 24 | $565.9M | $362.2M | ||
| Q3 24 | $550.3M | $359.4M | ||
| Q2 24 | $538.2M | $372.2M |
净利润CACCSLM
| Q1 26 | — | $308.0M | ||
| Q4 25 | $122.0M | $233.2M | ||
| Q3 25 | $108.2M | $135.8M | ||
| Q2 25 | $87.4M | $71.3M | ||
| Q1 25 | $106.3M | $304.5M | ||
| Q4 24 | $151.9M | $111.6M | ||
| Q3 24 | $78.8M | $-45.2M | ||
| Q2 24 | $-47.1M | $252.0M |
营业利润率CACCSLM
| Q1 26 | — | — | ||
| Q4 25 | 27.1% | 83.8% | ||
| Q3 25 | 25.6% | 49.8% | ||
| Q2 25 | 20.2% | 23.3% | ||
| Q1 25 | 24.8% | — | ||
| Q4 24 | 33.9% | 36.5% | ||
| Q3 24 | 19.4% | -16.6% | ||
| Q2 24 | -10.3% | 91.0% |
净利率CACCSLM
| Q1 26 | — | 55.0% | ||
| Q4 25 | 21.0% | 61.8% | ||
| Q3 25 | 18.6% | 36.4% | ||
| Q2 25 | 15.0% | 18.9% | ||
| Q1 25 | 18.6% | 81.2% | ||
| Q4 24 | 26.8% | 30.8% | ||
| Q3 24 | 14.3% | -12.6% | ||
| Q2 24 | -8.8% | 67.7% |
每股收益（稀释后）CACCSLM
| Q1 26 | — | $1.54 | ||
| Q4 25 | $10.87 | $1.11 | ||
| Q3 25 | $9.43 | $0.63 | ||
| Q2 25 | $7.42 | $0.32 | ||
| Q1 25 | $8.66 | $1.40 | ||
| Q4 24 | $12.28 | $0.53 | ||
| Q3 24 | $6.35 | $-0.23 | ||
| Q2 24 | $-3.83 | $1.11 |
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 | $5.2B |
| 总债务越低越好 | — | $6.2B |
| 股东权益账面价值 | $1.5B | $2.4B |
| 总资产 | $8.6B | $29.4B |
| 负债/权益比越低杠杆越低 | — | 2.53× |
8季度趋势，按日历期对齐
现金及短期投资CACCSLM
| Q1 26 | — | $5.2B | ||
| Q4 25 | $22.8M | $4.2B | ||
| Q3 25 | $15.9M | $3.5B | ||
| Q2 25 | $70.0M | $4.1B | ||
| Q1 25 | $528.8M | $3.7B | ||
| Q4 24 | $343.7M | $4.7B | ||
| Q3 24 | $159.7M | $4.5B | ||
| Q2 24 | $8.3M | $5.3B |
总债务CACCSLM
| Q1 26 | — | $6.2B | ||
| Q4 25 | — | $5.4B | ||
| Q3 25 | — | $6.8B | ||
| Q2 25 | — | $6.4B | ||
| Q1 25 | — | $6.1B | ||
| Q4 24 | — | $6.4B | ||
| Q3 24 | — | $6.0B | ||
| Q2 24 | — | $5.4B |
股东权益CACCSLM
| Q1 26 | — | $2.4B | ||
| Q4 25 | $1.5B | $2.5B | ||
| Q3 25 | $1.6B | $2.3B | ||
| Q2 25 | $1.6B | $2.4B | ||
| Q1 25 | $1.7B | $2.4B | ||
| Q4 24 | $1.7B | $2.2B | ||
| Q3 24 | $1.6B | $2.1B | ||
| Q2 24 | $1.6B | $2.3B |
总资产CACCSLM
| Q1 26 | — | $29.4B | ||
| Q4 25 | $8.6B | $29.7B | ||
| Q3 25 | $8.6B | $29.6B | ||
| Q2 25 | $8.7B | $29.6B | ||
| Q1 25 | $9.3B | $28.9B | ||
| Q4 24 | $8.9B | $30.1B | ||
| Q3 24 | $8.7B | $30.0B | ||
| Q2 24 | $8.3B | $28.8B |
负债/权益比CACCSLM
| Q1 26 | — | 2.53× | ||
| Q4 25 | — | 2.19× | ||
| Q3 25 | — | 2.92× | ||
| Q2 25 | — | 2.70× | ||
| Q1 25 | — | 2.56× | ||
| Q4 24 | — | 2.98× | ||
| Q3 24 | — | 2.83× | ||
| Q2 24 | — | 2.37× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $268.9M | — |
| 自由现金流率自由现金流/营收 | 46.4% | — |
| 资本支出强度资本支出/营收 | 0.1% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流CACCSLM
| Q1 26 | — | — | ||
| Q4 25 | $269.3M | $-64.5M | ||
| Q3 25 | $299.4M | $-49.3M | ||
| Q2 25 | $139.7M | $-138.7M | ||
| Q1 25 | $346.2M | $-146.1M | ||
| Q4 24 | $306.2M | $4.5M | ||
| Q3 24 | $317.7M | $-113.4M | ||
| Q2 24 | $204.0M | $-143.8M |
自由现金流CACCSLM
| Q1 26 | — | — | ||
| Q4 25 | $268.9M | — | ||
| Q3 25 | $298.8M | — | ||
| Q2 25 | $139.4M | — | ||
| Q1 25 | $345.9M | — | ||
| Q4 24 | $305.5M | — | ||
| Q3 24 | $317.3M | — | ||
| Q2 24 | $203.6M | — |
自由现金流率CACCSLM
| Q1 26 | — | — | ||
| Q4 25 | 46.4% | — | ||
| Q3 25 | 51.3% | — | ||
| Q2 25 | 23.9% | — | ||
| Q1 25 | 60.6% | — | ||
| Q4 24 | 54.0% | — | ||
| Q3 24 | 57.7% | — | ||
| Q2 24 | 37.8% | — |
资本支出强度CACCSLM
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.1% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.1% | — |
现金转化率CACCSLM
| Q1 26 | — | — | ||
| Q4 25 | 2.21× | -0.28× | ||
| Q3 25 | 2.77× | -0.36× | ||
| Q2 25 | 1.60× | -1.95× | ||
| Q1 25 | 3.26× | -0.48× | ||
| Q4 24 | 2.02× | 0.04× | ||
| Q3 24 | 4.03× | — | ||
| Q2 24 | — | -0.57× |
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
暂无分部数据
SLM
| Net Interest Income | $375.0M | 67% |
| Noninterest Income | $185.0M | 33% |
