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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与Planet Labs PBC（PL）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Planet Labs PBC的1.3倍（$109.4M vs $81.3M），CONSUMER PORTFOLIO SERVICES, INC.净利率更高（4.6% vs -72.8%，领先77.4%），Planet Labs PBC同比增速更快（32.6% vs 3.9%），CONSUMER PORTFOLIO SERVICES, INC.自由现金流更多（$288.3M vs $1.9M），过去两年Planet Labs PBC的营收复合增速更高（17.5% 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。
Planet Labs PBC（常简称为Planet）是总部位于美国加利福尼亚州旧金山的上市地球影像企业，核心目标是实现全球范围的每日成像，以此监测地表变化、精准识别相关趋势，为多行业的地理数据分析需求提供可靠的数据支持。
CPSS vs PL — 直观对比
营收规模更大
CPSS
是对方的1.3倍
$81.3M
营收增速更快
PL
高出28.7%
3.9%
净利率更高
CPSS
高出77.4%
-72.8%
自由现金流更多
CPSS
多$286.4M
$1.9M
两年增速更快
PL
近两年复合增速
9.2%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $81.3M |
| 净利润 | $5.0M | $-59.2M |
| 毛利率 | — | 57.3% |
| 营业利润率 | 6.6% | -22.6% |
| 净利率 | 4.6% | -72.8% |
| 营收同比 | 3.9% | 32.6% |
| 净利润同比 | -3.2% | -194.7% |
| 每股收益（稀释后） | $0.21 | $-0.19 |
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CPSSPL
| Q4 25 | $109.4M | $81.3M | ||
| Q3 25 | $108.4M | $73.4M | ||
| Q2 25 | $109.8M | $66.3M | ||
| Q1 25 | $106.9M | $61.6M | ||
| Q4 24 | $105.3M | $61.3M | ||
| Q3 24 | $100.6M | $61.1M | ||
| Q2 24 | $95.9M | $60.4M | ||
| Q1 24 | $91.7M | $58.9M |
净利润CPSSPL
| Q4 25 | $5.0M | $-59.2M | ||
| Q3 25 | $4.9M | $-22.6M | ||
| Q2 25 | $4.8M | $-12.6M | ||
| Q1 25 | $4.7M | $-35.2M | ||
| Q4 24 | $5.1M | $-20.1M | ||
| Q3 24 | $4.8M | $-38.7M | ||
| Q2 24 | $4.7M | $-29.3M | ||
| Q1 24 | $4.6M | $-30.1M |
毛利率CPSSPL
| Q4 25 | — | 57.3% | ||
| Q3 25 | — | 57.6% | ||
| Q2 25 | — | 55.2% | ||
| Q1 25 | — | 62.1% | ||
| Q4 24 | — | 61.2% | ||
| Q3 24 | — | 52.9% | ||
| Q2 24 | — | 52.4% | ||
| Q1 24 | — | 55.2% |
营业利润率CPSSPL
| Q4 25 | 6.6% | -22.6% | ||
| Q3 25 | 6.5% | -24.5% | ||
| Q2 25 | 6.3% | -34.4% | ||
| Q1 25 | 6.4% | -31.5% | ||
| Q4 24 | 7.0% | -36.9% | ||
| Q3 24 | 6.8% | -64.8% | ||
| Q2 24 | 7.0% | -57.2% | ||
| Q1 24 | 7.1% | -57.6% |
净利率CPSSPL
| Q4 25 | 4.6% | -72.8% | ||
| Q3 25 | 4.5% | -30.8% | ||
| Q2 25 | 4.4% | -19.1% | ||
| Q1 25 | 4.4% | -57.1% | ||
| Q4 24 | 4.9% | -32.8% | ||
| Q3 24 | 4.8% | -63.3% | ||
| Q2 24 | 4.9% | -48.5% | ||
| Q1 24 | 5.0% | -51.1% |
每股收益（稀释后）CPSSPL
| Q4 25 | $0.21 | $-0.19 | ||
| Q3 25 | $0.20 | $-0.07 | ||
| Q2 25 | $0.20 | $-0.04 | ||
| Q1 25 | $0.19 | $-0.12 | ||
| Q4 24 | $0.21 | $-0.07 | ||
| Q3 24 | $0.20 | $-0.13 | ||
| Q2 24 | $0.19 | $-0.10 | ||
| 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 | $443.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $309.5M | $349.6M |
| 总资产 | $3.9B | $1.1B |
| 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CPSSPL
| Q4 25 | $6.3M | $443.3M | ||
| Q3 25 | $9.4M | $181.1M | ||
| Q2 25 | $15.8M | $133.5M | ||
| Q1 25 | $29.8M | $118.0M | ||
| Q4 24 | $11.7M | $139.0M | ||
| Q3 24 | $8.1M | $148.3M | ||
| Q2 24 | $9.8M | $107.4M | ||
| Q1 24 | $13.2M | $83.9M |
股东权益CPSSPL
| Q4 25 | $309.5M | $349.6M | ||
| Q3 25 | $307.6M | $435.7M | ||
| Q2 25 | $303.1M | $444.8M | ||
| Q1 25 | $298.4M | $441.3M | ||
| Q4 24 | $292.8M | $464.6M | ||
| Q3 24 | $285.1M | $473.2M | ||
| Q2 24 | $280.3M | $500.3M | ||
| Q1 24 | $279.1M | $518.0M |
总资产CPSSPL
| Q4 25 | $3.9B | $1.1B | ||
| Q3 25 | $3.8B | $696.4M | ||
| Q2 25 | $3.8B | $658.4M | ||
| Q1 25 | $3.7B | $633.8M | ||
| Q4 24 | $3.5B | $630.8M | ||
| Q3 24 | $3.5B | $658.4M | ||
| Q2 24 | $3.3B | $674.6M | ||
| Q1 24 | $3.0B | $702.0M |
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 | $28.6M |
| 自由现金流经营现金流 - 资本支出 | $288.3M | $1.9M |
| 自由现金流率自由现金流/营收 | 263.5% | 2.3% |
| 资本支出强度资本支出/营收 | 0.6% | 32.9% |
| 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 | $40.7M |
8季度趋势，按日历期对齐
经营现金流CPSSPL
| Q4 25 | $289.0M | $28.6M | ||
| Q3 25 | $84.9M | $67.8M | ||
| Q2 25 | $54.5M | $17.3M | ||
| Q1 25 | $73.9M | $-6.3M | ||
| Q4 24 | $233.8M | $4.1M | ||
| Q3 24 | $69.8M | $-7.9M | ||
| Q2 24 | $43.3M | $-4.3M | ||
| Q1 24 | $52.7M | $-6.8M |
自由现金流CPSSPL
| Q4 25 | $288.3M | $1.9M | ||
| Q3 25 | $84.9M | $47.5M | ||
| Q2 25 | $54.3M | $9.2M | ||
| Q1 25 | $73.4M | $-17.9M | ||
| Q4 24 | $233.3M | $-3.6M | ||
| Q3 24 | $69.7M | $-23.0M | ||
| Q2 24 | $43.1M | $-14.2M | ||
| Q1 24 | $52.6M | $-15.7M |
自由现金流率CPSSPL
| Q4 25 | 263.5% | 2.3% | ||
| Q3 25 | 78.3% | 64.7% | ||
| Q2 25 | 49.5% | 13.9% | ||
| Q1 25 | 68.7% | -29.1% | ||
| Q4 24 | 221.6% | -5.8% | ||
| Q3 24 | 69.3% | -37.6% | ||
| Q2 24 | 45.0% | -23.6% | ||
| Q1 24 | 57.3% | -26.7% |
资本支出强度CPSSPL
| Q4 25 | 0.6% | 32.9% | ||
| Q3 25 | 0.0% | 27.6% | ||
| Q2 25 | 0.1% | 12.3% | ||
| Q1 25 | 0.4% | 18.9% | ||
| Q4 24 | 0.4% | 12.5% | ||
| Q3 24 | 0.1% | 24.8% | ||
| Q2 24 | 0.2% | 16.4% | ||
| Q1 24 | 0.1% | 15.1% |
现金转化率CPSSPL
| 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
业务分部营收拆解
CPSS
暂无分部数据
PL
| Defense And Intelligence | $49.4M | 61% |
| Civil Government | $18.8M | 23% |
| Commercial | $13.1M | 16% |
