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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与HEARTLAND EXPRESS INC（HTLD）财务数据对比。点击上方公司名可切换其他公司
HEARTLAND EXPRESS INC的季度营收约是CONSUMER PORTFOLIO SERVICES, INC.的1.6倍（$179.4M vs $109.4M），CONSUMER PORTFOLIO SERVICES, INC.净利率更高（4.6% vs -10.8%，领先15.4%），CONSUMER PORTFOLIO SERVICES, INC.同比增速更快（3.9% vs -26.1%），CONSUMER PORTFOLIO SERVICES, INC.自由现金流更多（$288.3M vs $-44.2M），过去两年CONSUMER PORTFOLIO SERVICES, INC.的营收复合增速更高（9.2% vs -18.5%）
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。
哈特兰德快运是一家总部位于艾奥瓦州北利伯蒂的美国公路货运企业，核心业务为覆盖美国全境的整车公路运输服务，在北美干线货运领域拥有稳定的运营网络与行业经验。
CPSS vs HTLD — 直观对比
营收规模更大
HTLD
是对方的1.6倍
$109.4M
营收增速更快
CPSS
高出30.0%
-26.1%
净利率更高
CPSS
高出15.4%
-10.8%
自由现金流更多
CPSS
多$332.5M
$-44.2M
两年增速更快
CPSS
近两年复合增速
-18.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $179.4M |
| 净利润 | $5.0M | $-19.4M |
| 毛利率 | — | — |
| 营业利润率 | 6.6% | -12.7% |
| 净利率 | 4.6% | -10.8% |
| 营收同比 | 3.9% | -26.1% |
| 净利润同比 | -3.2% | -949.2% |
| 每股收益（稀释后） | $0.21 | $-0.24 |
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CPSSHTLD
| Q4 25 | $109.4M | $179.4M | ||
| Q3 25 | $108.4M | $196.5M | ||
| Q2 25 | $109.8M | $210.4M | ||
| Q1 25 | $106.9M | $219.4M | ||
| Q4 24 | $105.3M | $242.6M | ||
| Q3 24 | $100.6M | $259.9M | ||
| Q2 24 | $95.9M | $274.8M | ||
| Q1 24 | $91.7M | $270.3M |
净利润CPSSHTLD
| Q4 25 | $5.0M | $-19.4M | ||
| Q3 25 | $4.9M | $-8.3M | ||
| Q2 25 | $4.8M | $-10.9M | ||
| Q1 25 | $4.7M | $-13.9M | ||
| Q4 24 | $5.1M | $-1.9M | ||
| Q3 24 | $4.8M | $-9.3M | ||
| Q2 24 | $4.7M | $-3.5M | ||
| Q1 24 | $4.6M | $-15.1M |
营业利润率CPSSHTLD
| Q4 25 | 6.6% | -12.7% | ||
| Q3 25 | 6.5% | -3.7% | ||
| Q2 25 | 6.3% | -5.9% | ||
| Q1 25 | 6.4% | -6.8% | ||
| Q4 24 | 7.0% | 0.4% | ||
| Q3 24 | 6.8% | -2.7% | ||
| Q2 24 | 7.0% | 0.1% | ||
| Q1 24 | 7.1% | -5.3% |
净利率CPSSHTLD
| Q4 25 | 4.6% | -10.8% | ||
| Q3 25 | 4.5% | -4.2% | ||
| Q2 25 | 4.4% | -5.2% | ||
| Q1 25 | 4.4% | -6.3% | ||
| Q4 24 | 4.9% | -0.8% | ||
| Q3 24 | 4.8% | -3.6% | ||
| Q2 24 | 4.9% | -1.3% | ||
| Q1 24 | 5.0% | -5.6% |
每股收益（稀释后）CPSSHTLD
| Q4 25 | $0.21 | $-0.24 | ||
| Q3 25 | $0.20 | $-0.11 | ||
| Q2 25 | $0.20 | $-0.14 | ||
| Q1 25 | $0.19 | $-0.18 | ||
| Q4 24 | $0.21 | $-0.03 | ||
| Q3 24 | $0.20 | $-0.12 | ||
| Q2 24 | $0.19 | $-0.04 | ||
| Q1 24 | $0.19 | $-0.19 |
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 | $18.5M |
| 总债务越低越好 | — | $154.1M |
| 股东权益账面价值 | $309.5M | $755.3M |
| 总资产 | $3.9B | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.20× |
8季度趋势，按日历期对齐
现金及短期投资CPSSHTLD
| Q4 25 | $6.3M | $18.5M | ||
| Q3 25 | $9.4M | $32.7M | ||
| Q2 25 | $15.8M | $22.9M | ||
| Q1 25 | $29.8M | $23.9M | ||
| Q4 24 | $11.7M | $12.8M | ||
| Q3 24 | $8.1M | $30.7M | ||
| Q2 24 | $9.8M | $23.9M | ||
| Q1 24 | $13.2M | $23.8M |
总债务CPSSHTLD
| Q4 25 | — | $154.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $187.9M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益CPSSHTLD
| Q4 25 | $309.5M | $755.3M | ||
| Q3 25 | $307.6M | $775.6M | ||
| Q2 25 | $303.1M | $786.7M | ||
| Q1 25 | $298.4M | $807.7M | ||
| Q4 24 | $292.8M | $822.6M | ||
| Q3 24 | $285.1M | $825.7M | ||
| Q2 24 | $280.3M | $836.8M | ||
| Q1 24 | $279.1M | $848.8M |
总资产CPSSHTLD
| Q4 25 | $3.9B | $1.2B | ||
| Q3 25 | $3.8B | $1.3B | ||
| Q2 25 | $3.8B | $1.3B | ||
| Q1 25 | $3.7B | $1.3B | ||
| Q4 24 | $3.5B | $1.3B | ||
| Q3 24 | $3.5B | $1.4B | ||
| Q2 24 | $3.3B | $1.4B | ||
| Q1 24 | $3.0B | $1.5B |
负债/权益比CPSSHTLD
| Q4 25 | — | 0.20× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.23× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $14.9M |
| 自由现金流经营现金流 - 资本支出 | $288.3M | $-44.2M |
| 自由现金流率自由现金流/营收 | 263.5% | -24.6% |
| 资本支出强度资本支出/营收 | 0.6% | 33.0% |
| 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 | $-66.9M |
8季度趋势，按日历期对齐
经营现金流CPSSHTLD
| Q4 25 | $289.0M | $14.9M | ||
| Q3 25 | $84.9M | $27.5M | ||
| Q2 25 | $54.5M | $21.0M | ||
| Q1 25 | $73.9M | $25.8M | ||
| Q4 24 | $233.8M | $37.8M | ||
| Q3 24 | $69.8M | $35.6M | ||
| Q2 24 | $43.3M | $40.0M | ||
| Q1 24 | $52.7M | $31.0M |
自由现金流CPSSHTLD
| Q4 25 | $288.3M | $-44.2M | ||
| Q3 25 | $84.9M | $-12.2M | ||
| Q2 25 | $54.3M | $-12.8M | ||
| Q1 25 | $73.4M | $2.3M | ||
| Q4 24 | $233.3M | $-45.5M | ||
| Q3 24 | $69.7M | $24.6M | ||
| Q2 24 | $43.1M | $29.4M | ||
| Q1 24 | $52.6M | $26.3M |
自由现金流率CPSSHTLD
| Q4 25 | 263.5% | -24.6% | ||
| Q3 25 | 78.3% | -6.2% | ||
| Q2 25 | 49.5% | -6.1% | ||
| Q1 25 | 68.7% | 1.0% | ||
| Q4 24 | 221.6% | -18.8% | ||
| Q3 24 | 69.3% | 9.5% | ||
| Q2 24 | 45.0% | 10.7% | ||
| Q1 24 | 57.3% | 9.7% |
资本支出强度CPSSHTLD
| Q4 25 | 0.6% | 33.0% | ||
| Q3 25 | 0.0% | 20.2% | ||
| Q2 25 | 0.1% | 16.1% | ||
| Q1 25 | 0.4% | 10.7% | ||
| Q4 24 | 0.4% | 34.3% | ||
| Q3 24 | 0.1% | 4.2% | ||
| Q2 24 | 0.2% | 3.8% | ||
| Q1 24 | 0.1% | 1.7% |
现金转化率CPSSHTLD
| Q4 25 | 58.02× | — | ||
| Q3 25 | 17.50× | — | ||
| Q2 25 | 11.35× | — | ||
| Q1 25 | 15.74× | — | ||
| Q4 24 | 45.43× | — | ||
| Q3 24 | 14.55× | — | ||
| Q2 24 | 9.27× | — | ||
| Q1 24 | 11.48× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
