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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与STURM RUGER & CO INC（RGR）财务数据对比。点击上方公司名可切换其他公司
STURM RUGER & CO INC的季度营收约是CONSUMER PORTFOLIO SERVICES, INC.的1.4倍（$151.1M vs $109.4M），CONSUMER PORTFOLIO SERVICES, INC.同比增速更快（3.9% vs 3.6%），CONSUMER PORTFOLIO SERVICES, INC.自由现金流更多（$288.3M vs $12.3M），过去两年CONSUMER PORTFOLIO SERVICES, INC.的营收复合增速更高（9.2% vs 5.1%）
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。
鲁格公司（Ruger）是总部位于美国康涅狄格州绍斯波特的枪械制造企业，除总部外，还在新罕布什尔州纽波特、北卡罗来纳州梅约丹以及亚利桑那州普雷斯科特设有生产工厂。公司由亚历山大·麦考密克·斯特姆与威廉·B·鲁格于1949年共同创立，自1969年起公开上市交易。
CPSS vs RGR — 直观对比
营收规模更大
RGR
是对方的1.4倍
$109.4M
营收增速更快
CPSS
高出0.3%
3.6%
自由现金流更多
CPSS
多$276.0M
$12.3M
两年增速更快
CPSS
近两年复合增速
5.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $151.1M |
| 净利润 | $5.0M | — |
| 毛利率 | — | 17.8% |
| 营业利润率 | 6.6% | 2.3% |
| 净利率 | 4.6% | — |
| 营收同比 | 3.9% | 3.6% |
| 净利润同比 | -3.2% | — |
| 每股收益（稀释后） | $0.21 | $0.22 |
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CPSSRGR
| Q4 25 | $109.4M | $151.1M | ||
| Q3 25 | $108.4M | $126.8M | ||
| Q2 25 | $109.8M | $132.5M | ||
| Q1 25 | $106.9M | $135.7M | ||
| Q4 24 | $105.3M | $145.8M | ||
| Q3 24 | $100.6M | $122.3M | ||
| Q2 24 | $95.9M | $130.8M | ||
| Q1 24 | $91.7M | $136.8M |
净利润CPSSRGR
| Q4 25 | $5.0M | — | ||
| Q3 25 | $4.9M | $1.6M | ||
| Q2 25 | $4.8M | $-17.2M | ||
| Q1 25 | $4.7M | $7.8M | ||
| Q4 24 | $5.1M | — | ||
| Q3 24 | $4.8M | $4.7M | ||
| Q2 24 | $4.7M | $8.3M | ||
| Q1 24 | $4.6M | $7.1M |
毛利率CPSSRGR
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.5% |
营业利润率CPSSRGR
| Q4 25 | 6.6% | 2.3% | ||
| Q3 25 | 6.5% | -2.7% | ||
| Q2 25 | 6.3% | -15.6% | ||
| Q1 25 | 6.4% | 6.2% | ||
| Q4 24 | 7.0% | 7.8% | ||
| Q3 24 | 6.8% | 3.1% | ||
| Q2 24 | 7.0% | 6.9% | ||
| Q1 24 | 7.1% | 5.5% |
净利率CPSSRGR
| Q4 25 | 4.6% | — | ||
| Q3 25 | 4.5% | 1.2% | ||
| Q2 25 | 4.4% | -13.0% | ||
| Q1 25 | 4.4% | 5.7% | ||
| Q4 24 | 4.9% | — | ||
| Q3 24 | 4.8% | 3.9% | ||
| Q2 24 | 4.9% | 6.3% | ||
| Q1 24 | 5.0% | 5.2% |
每股收益（稀释后）CPSSRGR
| Q4 25 | $0.21 | $0.22 | ||
| Q3 25 | $0.20 | $0.10 | ||
| Q2 25 | $0.20 | $-1.05 | ||
| Q1 25 | $0.19 | $0.46 | ||
| Q4 24 | $0.21 | $0.62 | ||
| Q3 24 | $0.20 | $0.28 | ||
| Q2 24 | $0.19 | $0.47 | ||
| Q1 24 | $0.19 | $0.40 |
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 | $92.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $309.5M | $283.8M |
| 总资产 | $3.9B | $342.0M |
| 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CPSSRGR
| Q4 25 | $6.3M | $92.5M | ||
| Q3 25 | $9.4M | $80.8M | ||
| Q2 25 | $15.8M | $101.4M | ||
| Q1 25 | $29.8M | $108.3M | ||
| Q4 24 | $11.7M | $105.5M | ||
| Q3 24 | $8.1M | $96.0M | ||
| Q2 24 | $9.8M | $105.6M | ||
| Q1 24 | $13.2M | $115.3M |
股东权益CPSSRGR
| Q4 25 | $309.5M | $283.8M | ||
| Q3 25 | $307.6M | $279.6M | ||
| Q2 25 | $303.1M | $289.3M | ||
| Q1 25 | $298.4M | $321.5M | ||
| Q4 24 | $292.8M | $319.6M | ||
| Q3 24 | $285.1M | $314.9M | ||
| Q2 24 | $280.3M | $321.5M | ||
| Q1 24 | $279.1M | $332.0M |
总资产CPSSRGR
| Q4 25 | $3.9B | $342.0M | ||
| Q3 25 | $3.8B | $342.3M | ||
| Q2 25 | $3.8B | $349.5M | ||
| Q1 25 | $3.7B | $379.0M | ||
| Q4 24 | $3.5B | $384.0M | ||
| Q3 24 | $3.5B | $373.5M | ||
| Q2 24 | $3.3B | $376.7M | ||
| Q1 24 | $3.0B | $385.0M |
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 | $15.5M |
| 自由现金流经营现金流 - 资本支出 | $288.3M | $12.3M |
| 自由现金流率自由现金流/营收 | 263.5% | 8.2% |
| 资本支出强度资本支出/营收 | 0.6% | 2.1% |
| 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 | $38.5M |
8季度趋势，按日历期对齐
经营现金流CPSSRGR
| Q4 25 | $289.0M | $15.5M | ||
| Q3 25 | $84.9M | $12.9M | ||
| Q2 25 | $54.5M | $14.7M | ||
| Q1 25 | $73.9M | $11.1M | ||
| Q4 24 | $233.8M | $20.0M | ||
| Q3 24 | $69.8M | $9.4M | ||
| Q2 24 | $43.3M | $18.7M | ||
| Q1 24 | $52.7M | $7.3M |
自由现金流CPSSRGR
| Q4 25 | $288.3M | $12.3M | ||
| Q3 25 | $84.9M | $7.0M | ||
| Q2 25 | $54.3M | $9.1M | ||
| Q1 25 | $73.4M | $10.0M | ||
| Q4 24 | $233.3M | $16.4M | ||
| Q3 24 | $69.7M | $2.6M | ||
| Q2 24 | $43.1M | $10.1M | ||
| Q1 24 | $52.6M | $5.6M |
自由现金流率CPSSRGR
| Q4 25 | 263.5% | 8.2% | ||
| Q3 25 | 78.3% | 5.5% | ||
| Q2 25 | 49.5% | 6.9% | ||
| Q1 25 | 68.7% | 7.4% | ||
| Q4 24 | 221.6% | 11.2% | ||
| Q3 24 | 69.3% | 2.1% | ||
| Q2 24 | 45.0% | 7.7% | ||
| Q1 24 | 57.3% | 4.1% |
资本支出强度CPSSRGR
| Q4 25 | 0.6% | 2.1% | ||
| Q3 25 | 0.0% | 4.6% | ||
| Q2 25 | 0.1% | 4.2% | ||
| Q1 25 | 0.4% | 0.8% | ||
| Q4 24 | 0.4% | 2.5% | ||
| Q3 24 | 0.1% | 5.5% | ||
| Q2 24 | 0.2% | 6.6% | ||
| Q1 24 | 0.1% | 1.3% |
现金转化率CPSSRGR
| Q4 25 | 58.02× | — | ||
| Q3 25 | 17.50× | 8.15× | ||
| Q2 25 | 11.35× | — | ||
| Q1 25 | 15.74× | 1.43× | ||
| Q4 24 | 45.43× | — | ||
| Q3 24 | 14.55× | 1.98× | ||
| Q2 24 | 9.27× | 2.27× | ||
| Q1 24 | 11.48× | 1.04× |
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
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
