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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与RESOURCES CONNECTION, INC.（RGP）财务数据对比。点击上方公司名可切换其他公司
RESOURCES CONNECTION, INC.的季度营收约是CONSUMER PORTFOLIO SERVICES, INC.的1.1倍（$117.7M vs $109.4M），CONSUMER PORTFOLIO SERVICES, INC.净利率更高（4.6% vs -10.8%，领先15.3%），CONSUMER PORTFOLIO SERVICES, INC.同比增速更快（3.9% vs -19.2%），CONSUMER PORTFOLIO SERVICES, INC.自由现金流更多（$288.3M vs $15.6M），过去两年CONSUMER PORTFOLIO SERVICES, INC.的营收复合增速更高（9.2% vs -11.8%）
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。
RGP原名 Resources Global Professionals，是 Resources Connection, Inc. 的核心运营主体，面向全球客户提供多领域专业咨询服务，覆盖财务会计、信息管理、治理风险合规、人力资本、法务监管、企业咨询与重组、战略传播以及供应链管理等板块。
CPSS vs RGP — 直观对比
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $117.7M |
| 净利润 | $5.0M | $-12.7M |
| 毛利率 | — | 37.1% |
| 营业利润率 | 6.6% | -10.3% |
| 净利率 | 4.6% | -10.8% |
| 营收同比 | 3.9% | -19.2% |
| 净利润同比 | -3.2% | 81.6% |
| 每股收益（稀释后） | $0.21 | $-0.38 |
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
| Q4 25 | $109.4M | $117.7M | ||
| Q3 25 | $108.4M | $120.2M | ||
| Q2 25 | $109.8M | $139.3M | ||
| Q1 25 | $106.9M | $129.4M | ||
| Q4 24 | $105.3M | $145.6M | ||
| Q3 24 | $100.6M | $136.9M | ||
| Q2 24 | $95.9M | $148.2M | ||
| Q1 24 | $91.7M | $151.3M |
| Q4 25 | $5.0M | $-12.7M | ||
| Q3 25 | $4.9M | $-2.4M | ||
| Q2 25 | $4.8M | $-73.3M | ||
| Q1 25 | $4.7M | $-44.1M | ||
| Q4 24 | $5.1M | $-68.7M | ||
| Q3 24 | $4.8M | $-5.7M | ||
| Q2 24 | $4.7M | $10.5M | ||
| Q1 24 | $4.6M | $2.5M |
| Q4 25 | — | 37.1% | ||
| Q3 25 | — | 39.5% | ||
| Q2 25 | — | 40.2% | ||
| Q1 25 | — | 35.1% | ||
| Q4 24 | — | 38.5% | ||
| Q3 24 | — | 36.5% | ||
| Q2 24 | — | 40.2% | ||
| Q1 24 | — | 37.0% |
| Q4 25 | 6.6% | -10.3% | ||
| Q3 25 | 6.5% | -1.7% | ||
| Q2 25 | 6.3% | -47.0% | ||
| Q1 25 | 6.4% | -38.4% | ||
| Q4 24 | 7.0% | -52.7% | ||
| Q3 24 | 6.8% | -3.5% | ||
| Q2 24 | 7.0% | 7.6% | ||
| Q1 24 | 7.1% | 2.8% |
| Q4 25 | 4.6% | -10.8% | ||
| Q3 25 | 4.5% | -2.0% | ||
| Q2 25 | 4.4% | -52.6% | ||
| Q1 25 | 4.4% | -34.0% | ||
| Q4 24 | 4.9% | -47.2% | ||
| Q3 24 | 4.8% | -4.2% | ||
| Q2 24 | 4.9% | 7.1% | ||
| Q1 24 | 5.0% | 1.7% |
| Q4 25 | $0.21 | $-0.38 | ||
| Q3 25 | $0.20 | $-0.07 | ||
| Q2 25 | $0.20 | $-2.21 | ||
| Q1 25 | $0.19 | $-1.34 | ||
| Q4 24 | $0.21 | $-2.08 | ||
| Q3 24 | $0.20 | $-0.17 | ||
| Q2 24 | $0.19 | $0.31 | ||
| Q1 24 | $0.19 | $0.08 |
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 | $89.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $309.5M | $194.6M |
| 总资产 | $3.9B | $289.3M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $6.3M | $89.8M | ||
| Q3 25 | $9.4M | $77.5M | ||
| Q2 25 | $15.8M | $86.1M | ||
| Q1 25 | $29.8M | $72.5M | ||
| Q4 24 | $11.7M | $78.2M | ||
| Q3 24 | $8.1M | $89.6M | ||
| Q2 24 | $9.8M | $108.9M | ||
| Q1 24 | $13.2M | $113.8M |
| Q4 25 | $309.5M | $194.6M | ||
| Q3 25 | $307.6M | $206.4M | ||
| Q2 25 | $303.1M | $207.1M | ||
| Q1 25 | $298.4M | $277.8M | ||
| Q4 24 | $292.8M | $325.7M | ||
| Q3 24 | $285.1M | $407.2M | ||
| Q2 24 | $280.3M | $418.8M | ||
| Q1 24 | $279.1M | $414.9M |
| Q4 25 | $3.9B | $289.3M | ||
| Q3 25 | $3.8B | $287.2M | ||
| Q2 25 | $3.8B | $304.7M | ||
| Q1 25 | $3.7B | $375.6M | ||
| Q4 24 | $3.5B | $424.9M | ||
| Q3 24 | $3.5B | $512.9M | ||
| Q2 24 | $3.3B | $510.9M | ||
| Q1 24 | $3.0B | $523.2M |
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 | $15.9M |
| 自由现金流经营现金流 - 资本支出 | $288.3M | $15.6M |
| 自由现金流率自由现金流/营收 | 263.5% | 13.2% |
| 资本支出强度资本支出/营收 | 0.6% | 0.3% |
| 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 | $24.3M |
8季度趋势，按日历期对齐
| Q4 25 | $289.0M | $15.9M | ||
| Q3 25 | $84.9M | $-7.8M | ||
| Q2 25 | $54.5M | $16.8M | ||
| Q1 25 | $73.9M | $659.0K | ||
| Q4 24 | $233.8M | $1.8M | ||
| Q3 24 | $69.8M | $-309.0K | ||
| Q2 24 | $43.3M | $3.2M | ||
| Q1 24 | $52.7M | $20.5M |
| Q4 25 | $288.3M | $15.6M | ||
| Q3 25 | $84.9M | $-8.0M | ||
| Q2 25 | $54.3M | $16.5M | ||
| Q1 25 | $73.4M | $238.0K | ||
| Q4 24 | $233.3M | $61.0K | ||
| Q3 24 | $69.7M | $-575.0K | ||
| Q2 24 | $43.1M | $3.0M | ||
| Q1 24 | $52.6M | $20.4M |
| Q4 25 | 263.5% | 13.2% | ||
| Q3 25 | 78.3% | -6.6% | ||
| Q2 25 | 49.5% | 11.8% | ||
| Q1 25 | 68.7% | 0.2% | ||
| Q4 24 | 221.6% | 0.0% | ||
| Q3 24 | 69.3% | -0.4% | ||
| Q2 24 | 45.0% | 2.1% | ||
| Q1 24 | 57.3% | 13.5% |
| Q4 25 | 0.6% | 0.3% | ||
| Q3 25 | 0.0% | 0.1% | ||
| Q2 25 | 0.1% | 0.2% | ||
| Q1 25 | 0.4% | 0.3% | ||
| Q4 24 | 0.4% | 1.2% | ||
| Q3 24 | 0.1% | 0.2% | ||
| Q2 24 | 0.2% | 0.1% | ||
| Q1 24 | 0.1% | 0.1% |
| 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× | 0.30× | ||
| Q1 24 | 11.48× | 8.04× |
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
RGP
| US | $93.7M | 80% |
| Non Us | $24.0M | 20% |
