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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与CANTALOUPE, INC.（CTLP）财务数据对比。点击上方公司名可切换其他公司
CONSUMER PORTFOLIO SERVICES, INC.的季度营收约是CANTALOUPE, INC.的1.4倍（$109.4M vs $78.7M），CONSUMER PORTFOLIO SERVICES, INC.净利率更高（4.6% vs -0.1%，领先4.6%），CANTALOUPE, INC.同比增速更快（6.8% vs 3.9%），CONSUMER PORTFOLIO SERVICES, INC.自由现金流更多（$288.3M vs $-614.0K），过去两年CONSUMER PORTFOLIO SERVICES, INC.的营收复合增速更高（9.2% vs 7.7%）
Consumer Portfolio Services, Inc.是总部位于美国的专业金融公司，主要面向信用记录有限或信用评分不佳的消费者，与各类汽车经销商合作，提供新车及二手车购买的间接汽车贷款融资及贷后管理服务。
坎塔卢波（原美国技术公司）是一家美国科技企业，核心业务为ePort无现金支付受理技术，依托持专利的PCI合规ePort Connect服务开展运营。该服务可通过无线方式为消费者提供信用卡、借记卡以及Apple Pay、Google Pay等NFC钱包支付选项，同时为运营商提供遥测与机器间通信服务，ePort技术主要应用于...
CPSS vs CTLP — 直观对比
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $78.7M |
| 净利润 | $5.0M | $-70.0K |
| 毛利率 | — | — |
| 营业利润率 | 6.6% | 2.0% |
| 净利率 | 4.6% | -0.1% |
| 营收同比 | 3.9% | 6.8% |
| 净利润同比 | -3.2% | -101.4% |
| 每股收益（稀释后） | $0.21 | $0.00 |
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 | $109.4M | $78.7M | ||
| Q3 25 | $108.4M | $80.9M | ||
| Q2 25 | $109.8M | $82.6M | ||
| Q1 25 | $106.9M | $75.4M | ||
| Q4 24 | $105.3M | $73.7M | ||
| Q3 24 | $100.6M | $70.8M | ||
| Q2 24 | $95.9M | $72.7M | ||
| Q1 24 | $91.7M | $67.9M |
| Q4 25 | $5.0M | $-70.0K | ||
| Q3 25 | $4.9M | $-919.0K | ||
| Q2 25 | $4.8M | $6.8M | ||
| Q1 25 | $4.7M | $49.2M | ||
| Q4 24 | $5.1M | $5.0M | ||
| Q3 24 | $4.8M | $3.6M | ||
| Q2 24 | $4.7M | $2.2M | ||
| Q1 24 | $4.6M | $4.7M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 39.6% |
| Q4 25 | 6.6% | 2.0% | ||
| Q3 25 | 6.5% | 2.0% | ||
| Q2 25 | 6.3% | 6.3% | ||
| Q1 25 | 6.4% | 9.1% | ||
| Q4 24 | 7.0% | 8.4% | ||
| Q3 24 | 6.8% | 5.8% | ||
| Q2 24 | 7.0% | 4.9% | ||
| Q1 24 | 7.1% | 6.3% |
| Q4 25 | 4.6% | -0.1% | ||
| Q3 25 | 4.5% | -1.1% | ||
| Q2 25 | 4.4% | 8.3% | ||
| Q1 25 | 4.4% | 65.2% | ||
| Q4 24 | 4.9% | 6.7% | ||
| Q3 24 | 4.8% | 5.0% | ||
| Q2 24 | 4.9% | 3.0% | ||
| Q1 24 | 5.0% | 6.9% |
| Q4 25 | $0.21 | $0.00 | ||
| Q3 25 | $0.20 | $-0.02 | ||
| Q2 25 | $0.20 | $0.10 | ||
| Q1 25 | $0.19 | $0.65 | ||
| Q4 24 | $0.21 | $0.07 | ||
| Q3 24 | $0.20 | $0.04 | ||
| Q2 24 | $0.19 | $0.03 | ||
| Q1 24 | $0.19 | $0.06 |
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 | $6.3M | $53.0M |
| 总债务越低越好 | — | $37.7M |
| 股东权益账面价值 | $309.5M | $252.5M |
| 总资产 | $3.9B | $381.9M |
| 负债/权益比越低杠杆越低 | — | 0.15× |
8季度趋势，按日历期对齐
| Q4 25 | $6.3M | $53.0M | ||
| Q3 25 | $9.4M | $55.0M | ||
| Q2 25 | $15.8M | $51.1M | ||
| Q1 25 | $29.8M | $46.3M | ||
| Q4 24 | $11.7M | $27.7M | ||
| Q3 24 | $8.1M | $33.1M | ||
| Q2 24 | $9.8M | $58.9M | ||
| Q1 24 | $13.2M | $50.2M |
| Q4 25 | — | $37.7M | ||
| Q3 25 | — | $38.3M | ||
| Q2 25 | — | $38.7M | ||
| Q1 25 | — | $39.2M | ||
| Q4 24 | — | $37.0M | ||
| Q3 24 | — | $37.3M | ||
| Q2 24 | — | $37.5M | ||
| Q1 24 | — | $38.1M |
| Q4 25 | $309.5M | $252.5M | ||
| Q3 25 | $307.6M | $251.8M | ||
| Q2 25 | $303.1M | $251.0M | ||
| Q1 25 | $298.4M | $240.7M | ||
| Q4 24 | $292.8M | $190.1M | ||
| Q3 24 | $285.1M | $186.2M | ||
| Q2 24 | $280.3M | $181.7M | ||
| Q1 24 | $279.1M | $178.8M |
| Q4 25 | $3.9B | $381.9M | ||
| Q3 25 | $3.8B | $389.5M | ||
| Q2 25 | $3.8B | $381.9M | ||
| Q1 25 | $3.7B | $370.5M | ||
| Q4 24 | $3.5B | $303.0M | ||
| Q3 24 | $3.5B | $312.1M | ||
| Q2 24 | $3.3B | $335.6M | ||
| Q1 24 | $3.0B | $319.9M |
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.15× | ||
| Q1 25 | — | 0.16× | ||
| Q4 24 | — | 0.19× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.21× | ||
| Q1 24 | — | 0.21× |
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 | $289.0M | $3.1M |
| 自由现金流经营现金流 - 资本支出 | $288.3M | $-614.0K |
| 自由现金流率自由现金流/营收 | 263.5% | -0.8% |
| 资本支出强度资本支出/营收 | 0.6% | 4.8% |
| 现金转化率经营现金流/净利润 | 58.02× | — |
| 过去12个月自由现金流最近4个季度 | $500.9M | $25.8M |
8季度趋势，按日历期对齐
| Q4 25 | $289.0M | $3.1M | ||
| Q3 25 | $84.9M | $7.0M | ||
| Q2 25 | $54.5M | $9.4M | ||
| Q1 25 | $73.9M | $22.4M | ||
| Q4 24 | $233.8M | $522.0K | ||
| Q3 24 | $69.8M | $-12.0M | ||
| Q2 24 | $43.3M | $14.3M | ||
| Q1 24 | $52.7M | $14.7M |
| Q4 25 | $288.3M | $-614.0K | ||
| Q3 25 | $84.9M | $3.5M | ||
| Q2 25 | $54.3M | $4.3M | ||
| Q1 25 | $73.4M | $18.6M | ||
| Q4 24 | $233.3M | $-3.8M | ||
| Q3 24 | $69.7M | $-15.8M | ||
| Q2 24 | $43.1M | $8.5M | ||
| Q1 24 | $52.6M | $11.4M |
| Q4 25 | 263.5% | -0.8% | ||
| Q3 25 | 78.3% | 4.4% | ||
| Q2 25 | 49.5% | 5.3% | ||
| Q1 25 | 68.7% | 24.6% | ||
| Q4 24 | 221.6% | -5.1% | ||
| Q3 24 | 69.3% | -22.3% | ||
| Q2 24 | 45.0% | 11.7% | ||
| Q1 24 | 57.3% | 16.9% |
| Q4 25 | 0.6% | 4.8% | ||
| Q3 25 | 0.0% | 4.2% | ||
| Q2 25 | 0.1% | 6.2% | ||
| Q1 25 | 0.4% | 5.1% | ||
| Q4 24 | 0.4% | 5.8% | ||
| Q3 24 | 0.1% | 5.4% | ||
| Q2 24 | 0.2% | 7.9% | ||
| Q1 24 | 0.1% | 4.8% |
| Q4 25 | 58.02× | — | ||
| Q3 25 | 17.50× | — | ||
| Q2 25 | 11.35× | 1.38× | ||
| Q1 25 | 15.74× | 0.46× | ||
| Q4 24 | 45.43× | 0.10× | ||
| Q3 24 | 14.55× | -3.36× | ||
| Q2 24 | 9.27× | 6.47× | ||
| Q1 24 | 11.48× | 3.16× |
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
CPSS
暂无分部数据
CTLP
| Transaction Processing | $47.9M | 61% |
| Subscription Revenue | $21.8M | 28% |
| Products | $9.0M | 11% |
