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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与OneStream, Inc.（OS）财务数据对比。点击上方公司名可切换其他公司
OneStream, Inc.的季度营收约是CONSUMER PORTFOLIO SERVICES, INC.的1.5倍（$163.7M vs $109.4M），CONSUMER PORTFOLIO SERVICES, INC.净利率更高（4.6% vs 0.6%，领先3.9%），OneStream, Inc.同比增速更快（23.6% vs 3.9%），CONSUMER PORTFOLIO SERVICES, INC.自由现金流更多（$288.3M vs $25.6M），过去两年OneStream, Inc.的营收复合增速更高（21.8% vs 9.2%）
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。
Blue Stream面向美国佛罗里达州科勒尔斯普林斯、韦斯顿两地的居民及商业客户，提供有线电视、有线固话、数字录像服务，以及最高速率达1G的宽带互联网接入服务，深耕当地通信市场，为用户提供稳定可靠的多元通信解决方案。
CPSS vs OS — 直观对比
营收规模更大
OS
是对方的1.5倍
$109.4M
营收增速更快
OS
高出19.7%
3.9%
净利率更高
CPSS
高出3.9%
0.6%
自由现金流更多
CPSS
多$262.6M
$25.6M
两年增速更快
OS
近两年复合增速
9.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $163.7M |
| 净利润 | $5.0M | $999.0K |
| 毛利率 | — | 69.8% |
| 营业利润率 | 6.6% | -3.2% |
| 净利率 | 4.6% | 0.6% |
| 营收同比 | 3.9% | 23.6% |
| 净利润同比 | -3.2% | — |
| 每股收益（稀释后） | $0.21 | — |
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CPSSOS
| Q4 25 | $109.4M | $163.7M | ||
| Q3 25 | $108.4M | $154.3M | ||
| Q2 25 | $109.8M | $147.6M | ||
| Q1 25 | $106.9M | $136.3M | ||
| Q4 24 | $105.3M | $132.5M | ||
| Q3 24 | $100.6M | $129.1M | ||
| Q2 24 | $95.9M | $117.5M | ||
| Q1 24 | $91.7M | $110.3M |
净利润CPSSOS
| Q4 25 | $5.0M | $999.0K | ||
| Q3 25 | $4.9M | $-8.8M | ||
| Q2 25 | $4.8M | $-18.4M | ||
| Q1 25 | $4.7M | $-24.0M | ||
| Q4 24 | $5.1M | — | ||
| Q3 24 | $4.8M | $-171.9M | ||
| Q2 24 | $4.7M | $-7.8M | ||
| Q1 24 | $4.6M | $-5.0M |
毛利率CPSSOS
| Q4 25 | — | 69.8% | ||
| Q3 25 | — | 68.1% | ||
| Q2 25 | — | 68.6% | ||
| Q1 25 | — | 68.0% | ||
| Q4 24 | — | 66.8% | ||
| Q3 24 | — | 50.1% | ||
| Q2 24 | — | 68.5% | ||
| Q1 24 | — | 69.1% |
营业利润率CPSSOS
| Q4 25 | 6.6% | -3.2% | ||
| Q3 25 | 6.5% | -11.3% | ||
| Q2 25 | 6.3% | -21.8% | ||
| Q1 25 | 6.4% | -29.3% | ||
| Q4 24 | 7.0% | -35.8% | ||
| Q3 24 | 6.8% | -197.6% | ||
| Q2 24 | 7.0% | -9.8% | ||
| Q1 24 | 7.1% | -4.9% |
净利率CPSSOS
| Q4 25 | 4.6% | 0.6% | ||
| Q3 25 | 4.5% | -5.7% | ||
| Q2 25 | 4.4% | -12.5% | ||
| Q1 25 | 4.4% | -17.6% | ||
| Q4 24 | 4.9% | — | ||
| Q3 24 | 4.8% | -133.1% | ||
| Q2 24 | 4.9% | -6.7% | ||
| Q1 24 | 5.0% | -4.5% |
每股收益（稀释后）CPSSOS
| Q4 25 | $0.21 | — | ||
| Q3 25 | $0.20 | — | ||
| Q2 25 | $0.20 | — | ||
| Q1 25 | $0.19 | — | ||
| Q4 24 | $0.21 | — | ||
| Q3 24 | $0.20 | $-1.06 | ||
| Q2 24 | $0.19 | — | ||
| Q1 24 | $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 | $693.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $309.5M | $504.7M |
| 总资产 | $3.9B | $1.0B |
| 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CPSSOS
| Q4 25 | $6.3M | $693.6M | ||
| Q3 25 | $9.4M | $653.9M | ||
| Q2 25 | $15.8M | $652.1M | ||
| Q1 25 | $29.8M | $593.9M | ||
| Q4 24 | $11.7M | $544.2M | ||
| Q3 24 | $8.1M | $495.5M | ||
| Q2 24 | $9.8M | $140.5M | ||
| Q1 24 | $13.2M | — |
股东权益CPSSOS
| Q4 25 | $309.5M | $504.7M | ||
| Q3 25 | $307.6M | $472.1M | ||
| Q2 25 | $303.1M | $458.2M | ||
| Q1 25 | $298.4M | $412.9M | ||
| Q4 24 | $292.8M | $386.2M | ||
| Q3 24 | $285.1M | $458.2M | ||
| Q2 24 | $280.3M | $97.5M | ||
| Q1 24 | $279.1M | $102.5M |
总资产CPSSOS
| Q4 25 | $3.9B | $1.0B | ||
| Q3 25 | $3.8B | $949.4M | ||
| Q2 25 | $3.8B | $910.5M | ||
| Q1 25 | $3.7B | $867.3M | ||
| Q4 24 | $3.5B | $823.2M | ||
| Q3 24 | $3.5B | $750.1M | ||
| Q2 24 | $3.3B | $379.7M | ||
| Q1 24 | $3.0B | — |
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 | $25.8M |
| 自由现金流经营现金流 - 资本支出 | $288.3M | $25.6M |
| 自由现金流率自由现金流/营收 | 263.5% | 15.7% |
| 资本支出强度资本支出/营收 | 0.6% | 0.1% |
| 现金转化率经营现金流/净利润 | 58.02× | 25.79× |
| 过去12个月自由现金流最近4个季度 | $500.9M | $95.6M |
8季度趋势，按日历期对齐
经营现金流CPSSOS
| Q4 25 | $289.0M | $25.8M | ||
| Q3 25 | $84.9M | $5.0M | ||
| Q2 25 | $54.5M | $29.7M | ||
| Q1 25 | $73.9M | $36.2M | ||
| Q4 24 | $233.8M | — | ||
| Q3 24 | $69.8M | $2.4M | ||
| Q2 24 | $43.3M | $8.1M | ||
| Q1 24 | $52.7M | $25.5M |
自由现金流CPSSOS
| Q4 25 | $288.3M | $25.6M | ||
| Q3 25 | $84.9M | $4.8M | ||
| Q2 25 | $54.3M | $29.4M | ||
| Q1 25 | $73.4M | $35.8M | ||
| Q4 24 | $233.3M | — | ||
| Q3 24 | $69.7M | $1.3M | ||
| Q2 24 | $43.1M | $7.7M | ||
| Q1 24 | $52.6M | $24.9M |
自由现金流率CPSSOS
| Q4 25 | 263.5% | 15.7% | ||
| Q3 25 | 78.3% | 3.1% | ||
| Q2 25 | 49.5% | 19.9% | ||
| Q1 25 | 68.7% | 26.3% | ||
| Q4 24 | 221.6% | — | ||
| Q3 24 | 69.3% | 1.0% | ||
| Q2 24 | 45.0% | 6.6% | ||
| Q1 24 | 57.3% | 22.5% |
资本支出强度CPSSOS
| Q4 25 | 0.6% | 0.1% | ||
| Q3 25 | 0.0% | 0.1% | ||
| Q2 25 | 0.1% | 0.2% | ||
| Q1 25 | 0.4% | 0.3% | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 0.1% | 0.8% | ||
| Q2 24 | 0.2% | 0.3% | ||
| Q1 24 | 0.1% | 0.6% |
现金转化率CPSSOS
| Q4 25 | 58.02× | 25.79× | ||
| 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
业务分部营收拆解
CPSS
暂无分部数据
OS
| Subscription And Circulation | $150.3M | 92% |
| Professional Services And Other | $9.4M | 6% |
| License | $4.0M | 2% |
