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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与PUMA BIOTECHNOLOGY, INC.（PBYI）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PUMA BIOTECHNOLOGY, INC.的1.5倍（$109.4M vs $75.5M），PUMA BIOTECHNOLOGY, INC.同比增速更快（27.7% vs 3.9%），CONSUMER PORTFOLIO SERVICES, INC.自由现金流更多（$288.3M vs $14.4M），过去两年PUMA BIOTECHNOLOGY, INC.的营收复合增速更高（31.3% 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。
彪马生物技术是一家公开上市的生物制药企业，总部位于美国加利福尼亚州洛杉矶，专注于创新药物研发相关业务，在生物制药领域开展研发与商业化运营。
CPSS vs PBYI — 直观对比
营收规模更大
CPSS
是对方的1.5倍
$75.5M
营收增速更快
PBYI
高出23.8%
3.9%
自由现金流更多
CPSS
多$273.9M
$14.4M
两年增速更快
PBYI
近两年复合增速
9.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $75.5M |
| 净利润 | $5.0M | — |
| 毛利率 | — | 69.3% |
| 营业利润率 | 6.6% | 22.7% |
| 净利率 | 4.6% | — |
| 营收同比 | 3.9% | 27.7% |
| 净利润同比 | -3.2% | — |
| 每股收益（稀释后） | $0.21 | $0.26 |
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CPSSPBYI
| Q4 25 | $109.4M | $75.5M | ||
| Q3 25 | $108.4M | $54.5M | ||
| Q2 25 | $109.8M | $52.4M | ||
| Q1 25 | $106.9M | $46.0M | ||
| Q4 24 | $105.3M | $59.1M | ||
| Q3 24 | $100.6M | $80.5M | ||
| Q2 24 | $95.9M | $47.1M | ||
| Q1 24 | $91.7M | $43.8M |
净利润CPSSPBYI
| Q4 25 | $5.0M | — | ||
| Q3 25 | $4.9M | $8.8M | ||
| Q2 25 | $4.8M | $5.9M | ||
| Q1 25 | $4.7M | $3.0M | ||
| Q4 24 | $5.1M | — | ||
| Q3 24 | $4.8M | $20.3M | ||
| Q2 24 | $4.7M | $-4.5M | ||
| Q1 24 | $4.6M | $-4.8M |
毛利率CPSSPBYI
| Q4 25 | — | 69.3% | ||
| Q3 25 | — | 77.7% | ||
| Q2 25 | — | 76.5% | ||
| Q1 25 | — | 77.1% | ||
| Q4 24 | — | 76.4% | ||
| Q3 24 | — | 63.9% | ||
| Q2 24 | — | 77.4% | ||
| Q1 24 | — | 75.5% |
营业利润率CPSSPBYI
| Q4 25 | 6.6% | 22.7% | ||
| Q3 25 | 6.5% | 17.6% | ||
| Q2 25 | 6.3% | 12.7% | ||
| Q1 25 | 6.4% | 8.7% | ||
| Q4 24 | 7.0% | 22.6% | ||
| Q3 24 | 6.8% | 27.4% | ||
| Q2 24 | 7.0% | -4.6% | ||
| Q1 24 | 7.1% | -5.3% |
净利率CPSSPBYI
| Q4 25 | 4.6% | — | ||
| Q3 25 | 4.5% | 16.2% | ||
| Q2 25 | 4.4% | 11.2% | ||
| Q1 25 | 4.4% | 6.5% | ||
| Q4 24 | 4.9% | — | ||
| Q3 24 | 4.8% | 25.2% | ||
| Q2 24 | 4.9% | -9.6% | ||
| Q1 24 | 5.0% | -11.0% |
每股收益（稀释后）CPSSPBYI
| Q4 25 | $0.21 | $0.26 | ||
| Q3 25 | $0.20 | $0.17 | ||
| Q2 25 | $0.20 | $0.12 | ||
| Q1 25 | $0.19 | $0.06 | ||
| Q4 24 | $0.21 | $0.40 | ||
| Q3 24 | $0.20 | $0.41 | ||
| Q2 24 | $0.19 | $-0.09 | ||
| Q1 24 | $0.19 | $-0.10 |
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 | $97.5M |
| 总债务越低越好 | — | $22.7M |
| 股东权益账面价值 | $309.5M | $130.3M |
| 总资产 | $3.9B | $216.3M |
| 负债/权益比越低杠杆越低 | — | 0.17× |
8季度趋势，按日历期对齐
现金及短期投资CPSSPBYI
| Q4 25 | $6.3M | $97.5M | ||
| Q3 25 | $9.4M | $94.4M | ||
| Q2 25 | $15.8M | $96.0M | ||
| Q1 25 | $29.8M | $93.2M | ||
| Q4 24 | $11.7M | $101.0M | ||
| Q3 24 | $8.1M | $96.7M | ||
| Q2 24 | $9.8M | $96.8M | ||
| Q1 24 | $13.2M | $107.2M |
总债务CPSSPBYI
| Q4 25 | — | $22.7M | ||
| Q3 25 | — | $34.0M | ||
| Q2 25 | — | $45.3M | ||
| Q1 25 | — | $56.7M | ||
| Q4 24 | — | $68.0M | ||
| Q3 24 | — | $79.3M | ||
| Q2 24 | — | $90.7M | ||
| Q1 24 | — | $102.0M |
股东权益CPSSPBYI
| Q4 25 | $309.5M | $130.3M | ||
| Q3 25 | $307.6M | $115.3M | ||
| Q2 25 | $303.1M | $104.7M | ||
| Q1 25 | $298.4M | $97.1M | ||
| Q4 24 | $292.8M | $92.1M | ||
| Q3 24 | $285.1M | $71.1M | ||
| Q2 24 | $280.3M | $48.5M | ||
| Q1 24 | $279.1M | $51.0M |
总资产CPSSPBYI
| Q4 25 | $3.9B | $216.3M | ||
| Q3 25 | $3.8B | $202.9M | ||
| Q2 25 | $3.8B | $194.9M | ||
| Q1 25 | $3.7B | $196.2M | ||
| Q4 24 | $3.5B | $213.3M | ||
| Q3 24 | $3.5B | $220.7M | ||
| Q2 24 | $3.3B | $205.0M | ||
| Q1 24 | $3.0B | $214.1M |
负债/权益比CPSSPBYI
| Q4 25 | — | 0.17× | ||
| Q3 25 | — | 0.30× | ||
| Q2 25 | — | 0.43× | ||
| Q1 25 | — | 0.58× | ||
| Q4 24 | — | 0.74× | ||
| Q3 24 | — | 1.12× | ||
| Q2 24 | — | 1.87× | ||
| Q1 24 | — | 2.00× |
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 | $14.4M |
| 自由现金流经营现金流 - 资本支出 | $288.3M | $14.4M |
| 自由现金流率自由现金流/营收 | 263.5% | 19.1% |
| 资本支出强度资本支出/营收 | 0.6% | 0.0% |
| 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 | $41.7M |
8季度趋势，按日历期对齐
经营现金流CPSSPBYI
| Q4 25 | $289.0M | $14.4M | ||
| Q3 25 | $84.9M | $9.7M | ||
| Q2 25 | $54.5M | $14.1M | ||
| Q1 25 | $73.9M | $3.6M | ||
| Q4 24 | $233.8M | $15.6M | ||
| Q3 24 | $69.8M | $11.0M | ||
| Q2 24 | $43.3M | $1.0M | ||
| Q1 24 | $52.7M | $11.2M |
自由现金流CPSSPBYI
| Q4 25 | $288.3M | $14.4M | ||
| Q3 25 | $84.9M | $9.7M | ||
| Q2 25 | $54.3M | $14.1M | ||
| Q1 25 | $73.4M | $3.6M | ||
| Q4 24 | $233.3M | $15.6M | ||
| Q3 24 | $69.7M | $11.0M | ||
| Q2 24 | $43.1M | $1.0M | ||
| Q1 24 | $52.6M | — |
自由现金流率CPSSPBYI
| Q4 25 | 263.5% | 19.1% | ||
| Q3 25 | 78.3% | 17.7% | ||
| Q2 25 | 49.5% | 26.8% | ||
| Q1 25 | 68.7% | 7.7% | ||
| Q4 24 | 221.6% | 26.4% | ||
| Q3 24 | 69.3% | 13.7% | ||
| Q2 24 | 45.0% | 2.1% | ||
| Q1 24 | 57.3% | — |
资本支出强度CPSSPBYI
| Q4 25 | 0.6% | 0.0% | ||
| Q3 25 | 0.0% | 0.0% | ||
| Q2 25 | 0.1% | 0.0% | ||
| Q1 25 | 0.4% | 0.1% | ||
| Q4 24 | 0.4% | 0.0% | ||
| Q3 24 | 0.1% | 0.0% | ||
| Q2 24 | 0.2% | 0.0% | ||
| Q1 24 | 0.1% | 0.0% |
现金转化率CPSSPBYI
| Q4 25 | 58.02× | — | ||
| Q3 25 | 17.50× | 1.10× | ||
| Q2 25 | 11.35× | 2.41× | ||
| Q1 25 | 15.74× | 1.21× | ||
| Q4 24 | 45.43× | — | ||
| Q3 24 | 14.55× | 0.54× | ||
| 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
