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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与Ribbon Communications Inc.（RBBN）财务数据对比。点击上方公司名可切换其他公司
Ribbon Communications Inc.的季度营收约是CONSUMER PORTFOLIO SERVICES, INC.的1.5倍（$162.6M vs $109.4M），Ribbon Communications Inc.净利率更高（54.8% vs 4.6%，领先50.2%），CONSUMER PORTFOLIO SERVICES, INC.同比增速更快（3.9% vs -10.3%），过去两年CONSUMER PORTFOLIO SERVICES, INC.的营收复合增速更高（9.2% vs -8.1%）
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。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
CPSS vs RBBN — 直观对比
营收规模更大
RBBN
是对方的1.5倍
$109.4M
营收增速更快
CPSS
高出14.2%
-10.3%
净利率更高
RBBN
高出50.2%
4.6%
两年增速更快
CPSS
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $162.6M |
| 净利润 | $5.0M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | 6.6% | 37.6% |
| 净利率 | 4.6% | 54.8% |
| 营收同比 | 3.9% | -10.3% |
| 净利润同比 | -3.2% | — |
| 每股收益（稀释后） | $0.21 | $0.50 |
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CPSSRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $109.4M | $227.3M | ||
| Q3 25 | $108.4M | $215.4M | ||
| Q2 25 | $109.8M | $220.6M | ||
| Q1 25 | $106.9M | $181.3M | ||
| Q4 24 | $105.3M | $251.4M | ||
| Q3 24 | $100.6M | $210.2M | ||
| Q2 24 | $95.9M | $192.6M |
净利润CPSSRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | $5.0M | — | ||
| Q3 25 | $4.9M | $-12.1M | ||
| Q2 25 | $4.8M | $-11.1M | ||
| Q1 25 | $4.7M | $-26.2M | ||
| Q4 24 | $5.1M | — | ||
| Q3 24 | $4.8M | $-13.4M | ||
| Q2 24 | $4.7M | $-16.8M |
毛利率CPSSRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率CPSSRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 6.6% | 4.1% | ||
| Q3 25 | 6.5% | 1.3% | ||
| Q2 25 | 6.3% | 1.9% | ||
| Q1 25 | 6.4% | -10.8% | ||
| Q4 24 | 7.0% | 13.2% | ||
| Q3 24 | 6.8% | -0.4% | ||
| Q2 24 | 7.0% | -1.0% |
净利率CPSSRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | 4.6% | — | ||
| Q3 25 | 4.5% | -5.6% | ||
| Q2 25 | 4.4% | -5.0% | ||
| Q1 25 | 4.4% | -14.5% | ||
| Q4 24 | 4.9% | — | ||
| Q3 24 | 4.8% | -6.4% | ||
| Q2 24 | 4.9% | -8.7% |
每股收益（稀释后）CPSSRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $0.21 | $0.50 | ||
| Q3 25 | $0.20 | $-0.07 | ||
| Q2 25 | $0.20 | $-0.06 | ||
| Q1 25 | $0.19 | $-0.15 | ||
| Q4 24 | $0.21 | $0.05 | ||
| Q3 24 | $0.20 | $-0.08 | ||
| Q2 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 | $67.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $309.5M | $419.1M |
| 总资产 | $3.9B | — |
| 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CPSSRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | $6.3M | $96.4M | ||
| Q3 25 | $9.4M | $74.8M | ||
| Q2 25 | $15.8M | $60.5M | ||
| Q1 25 | $29.8M | $71.2M | ||
| Q4 24 | $11.7M | $87.8M | ||
| Q3 24 | $8.1M | $37.2M | ||
| Q2 24 | $9.8M | $64.6M |
总债务CPSSRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $342.1M | ||
| Q3 25 | — | $344.3M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $347.4M | ||
| Q4 24 | — | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益CPSSRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $309.5M | $449.0M | ||
| Q3 25 | $307.6M | $360.1M | ||
| Q2 25 | $303.1M | $370.4M | ||
| Q1 25 | $298.4M | $381.8M | ||
| Q4 24 | $292.8M | $404.6M | ||
| Q3 24 | $285.1M | $395.5M | ||
| Q2 24 | $280.3M | $405.0M |
总资产CPSSRBBN
| Q1 26 | — | — | ||
| Q4 25 | $3.9B | $1.2B | ||
| Q3 25 | $3.8B | $1.1B | ||
| Q2 25 | $3.8B | $1.1B | ||
| Q1 25 | $3.7B | $1.1B | ||
| Q4 24 | $3.5B | $1.2B | ||
| Q3 24 | $3.5B | $1.1B | ||
| Q2 24 | $3.3B | $1.1B |
负债/权益比CPSSRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.76× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | — | 0.94× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 0.86× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $288.3M | — |
| 自由现金流率自由现金流/营收 | 263.5% | — |
| 资本支出强度资本支出/营收 | 0.6% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流CPSSRBBN
| Q1 26 | — | — | ||
| Q4 25 | $289.0M | $29.2M | ||
| Q3 25 | $84.9M | $26.5M | ||
| Q2 25 | $54.5M | $-795.0K | ||
| Q1 25 | $73.9M | $-3.5M | ||
| Q4 24 | $233.8M | $61.8M | ||
| Q3 24 | $69.8M | $-14.8M | ||
| Q2 24 | $43.3M | $-9.8M |
自由现金流CPSSRBBN
| Q1 26 | — | — | ||
| Q4 25 | $288.3M | $27.3M | ||
| Q3 25 | $84.9M | $21.0M | ||
| Q2 25 | $54.3M | $-6.5M | ||
| Q1 25 | $73.4M | $-15.7M | ||
| Q4 24 | $233.3M | $53.8M | ||
| Q3 24 | $69.7M | $-23.7M | ||
| Q2 24 | $43.1M | $-12.9M |
自由现金流率CPSSRBBN
| Q1 26 | — | — | ||
| Q4 25 | 263.5% | 12.0% | ||
| Q3 25 | 78.3% | 9.7% | ||
| Q2 25 | 49.5% | -2.9% | ||
| Q1 25 | 68.7% | -8.7% | ||
| Q4 24 | 221.6% | 21.4% | ||
| Q3 24 | 69.3% | -11.3% | ||
| Q2 24 | 45.0% | -6.7% |
资本支出强度CPSSRBBN
| Q1 26 | — | — | ||
| Q4 25 | 0.6% | 0.9% | ||
| Q3 25 | 0.0% | 2.6% | ||
| Q2 25 | 0.1% | 2.6% | ||
| Q1 25 | 0.4% | 6.7% | ||
| Q4 24 | 0.4% | 3.2% | ||
| Q3 24 | 0.1% | 4.2% | ||
| Q2 24 | 0.2% | 1.6% |
现金转化率CPSSRBBN
| Q1 26 | — | — | ||
| 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× | — |
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
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
