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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与REGIS CORP（RGS）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REGIS CORP的1.9倍（$109.4M vs $57.1M），CONSUMER PORTFOLIO SERVICES, INC.净利率更高（4.6% vs 0.8%，领先3.8%），REGIS CORP同比增速更快（22.3% vs 3.9%），CONSUMER PORTFOLIO SERVICES, INC.自由现金流更多（$288.3M vs $891.0K），过去两年CONSUMER PORTFOLIO SERVICES, INC.的营收复合增速更高（9.2% vs 7.8%）
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。
瑞吉斯公司是一家美国美发沙龙运营商，总部位于明尼苏达州明尼阿波利斯市。截至2021年8月，该集团旗下拥有5563家加盟沙龙以及276家直营门店，是北美地区规模领先的美发沙龙连锁经营企业。
CPSS vs RGS — 直观对比
营收规模更大
CPSS
是对方的1.9倍
$57.1M
营收增速更快
RGS
高出18.4%
3.9%
净利率更高
CPSS
高出3.8%
0.8%
自由现金流更多
CPSS
多$287.4M
$891.0K
两年增速更快
CPSS
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $57.1M |
| 净利润 | $5.0M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 6.6% | 10.8% |
| 净利率 | 4.6% | 0.8% |
| 营收同比 | 3.9% | 22.3% |
| 净利润同比 | -3.2% | -94.0% |
| 每股收益（稀释后） | $0.21 | $0.16 |
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CPSSRGS
| Q4 25 | $109.4M | $57.1M | ||
| Q3 25 | $108.4M | $59.0M | ||
| Q2 25 | $109.8M | $60.4M | ||
| Q1 25 | $106.9M | $57.0M | ||
| Q4 24 | $105.3M | $46.7M | ||
| Q3 24 | $100.6M | $46.1M | ||
| Q2 24 | $95.9M | $49.4M | ||
| Q1 24 | $91.7M | $49.2M |
净利润CPSSRGS
| Q4 25 | $5.0M | $456.0K | ||
| Q3 25 | $4.9M | $1.4M | ||
| Q2 25 | $4.8M | $116.5M | ||
| Q1 25 | $4.7M | $250.0K | ||
| Q4 24 | $5.1M | $7.6M | ||
| Q3 24 | $4.8M | $-853.0K | ||
| Q2 24 | $4.7M | $91.2M | ||
| Q1 24 | $4.6M | $-2.3M |
营业利润率CPSSRGS
| Q4 25 | 6.6% | 10.8% | ||
| Q3 25 | 6.5% | 10.0% | ||
| Q2 25 | 6.3% | 12.1% | ||
| Q1 25 | 6.4% | 8.8% | ||
| Q4 24 | 7.0% | 11.8% | ||
| Q3 24 | 6.8% | 4.6% | ||
| Q2 24 | 7.0% | — | ||
| Q1 24 | 7.1% | 8.3% |
净利率CPSSRGS
| Q4 25 | 4.6% | 0.8% | ||
| Q3 25 | 4.5% | 2.3% | ||
| Q2 25 | 4.4% | 192.9% | ||
| Q1 25 | 4.4% | 0.4% | ||
| Q4 24 | 4.9% | 16.4% | ||
| Q3 24 | 4.8% | -1.9% | ||
| Q2 24 | 4.9% | 184.7% | ||
| Q1 24 | 5.0% | -4.7% |
每股收益（稀释后）CPSSRGS
| Q4 25 | $0.21 | $0.16 | ||
| Q3 25 | $0.20 | $0.49 | ||
| Q2 25 | $0.20 | $43.67 | ||
| Q1 25 | $0.19 | $0.08 | ||
| Q4 24 | $0.21 | $2.71 | ||
| Q3 24 | $0.20 | $-0.36 | ||
| Q2 24 | $0.19 | $38.40 | ||
| Q1 24 | $0.19 | $-1.00 |
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 | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $309.5M | $188.7M |
| 总资产 | $3.9B | $588.3M |
| 负债/权益比越低杠杆越低 | — | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资CPSSRGS
| Q4 25 | $6.3M | $18.4M | ||
| Q3 25 | $9.4M | $16.6M | ||
| Q2 25 | $15.8M | $17.0M | ||
| Q1 25 | $29.8M | $13.3M | ||
| Q4 24 | $11.7M | $10.2M | ||
| Q3 24 | $8.1M | $6.3M | ||
| Q2 24 | $9.8M | $10.1M | ||
| Q1 24 | $13.2M | $5.9M |
总债务CPSSRGS
| Q4 25 | — | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
股东权益CPSSRGS
| Q4 25 | $309.5M | $188.7M | ||
| Q3 25 | $307.6M | $187.6M | ||
| Q2 25 | $303.1M | $185.6M | ||
| Q1 25 | $298.4M | $68.6M | ||
| Q4 24 | $292.8M | $66.7M | ||
| Q3 24 | $285.1M | $56.4M | ||
| Q2 24 | $280.3M | $56.8M | ||
| Q1 24 | $279.1M | $-35.8M |
总资产CPSSRGS
| Q4 25 | $3.9B | $588.3M | ||
| Q3 25 | $3.8B | $592.1M | ||
| Q2 25 | $3.8B | $599.0M | ||
| Q1 25 | $3.7B | $511.2M | ||
| Q4 24 | $3.5B | $530.1M | ||
| Q3 24 | $3.5B | $508.9M | ||
| Q2 24 | $3.3B | $530.5M | ||
| Q1 24 | $3.0B | $543.7M |
负债/权益比CPSSRGS
| Q4 25 | — | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 1.67× | ||
| Q3 24 | — | 1.69× | ||
| Q2 24 | — | 1.75× | ||
| Q1 24 | — | — |
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 | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $288.3M | $891.0K |
| 自由现金流率自由现金流/营收 | 263.5% | 1.6% |
| 资本支出强度资本支出/营收 | 0.6% | 1.4% |
| 现金转化率经营现金流/净利润 | 58.02× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $500.9M | $14.9M |
8季度趋势，按日历期对齐
经营现金流CPSSRGS
| Q4 25 | $289.0M | $1.7M | ||
| Q3 25 | $84.9M | $2.3M | ||
| Q2 25 | $54.5M | $6.8M | ||
| Q1 25 | $73.9M | $6.2M | ||
| Q4 24 | $233.8M | $2.1M | ||
| Q3 24 | $69.8M | $-1.3M | ||
| Q2 24 | $43.3M | $5.1M | ||
| Q1 24 | $52.7M | $-277.0K |
自由现金流CPSSRGS
| Q4 25 | $288.3M | $891.0K | ||
| Q3 25 | $84.9M | $1.9M | ||
| Q2 25 | $54.3M | $6.2M | ||
| Q1 25 | $73.4M | $5.9M | ||
| Q4 24 | $233.3M | $1.7M | ||
| Q3 24 | $69.7M | $-1.4M | ||
| Q2 24 | $43.1M | $5.1M | ||
| Q1 24 | $52.6M | $-326.0K |
自由现金流率CPSSRGS
| Q4 25 | 263.5% | 1.6% | ||
| Q3 25 | 78.3% | 3.2% | ||
| Q2 25 | 49.5% | 10.3% | ||
| Q1 25 | 68.7% | 10.3% | ||
| Q4 24 | 221.6% | 3.6% | ||
| Q3 24 | 69.3% | -3.0% | ||
| Q2 24 | 45.0% | 10.3% | ||
| Q1 24 | 57.3% | -0.7% |
资本支出强度CPSSRGS
| Q4 25 | 0.6% | 1.4% | ||
| Q3 25 | 0.0% | 0.7% | ||
| Q2 25 | 0.1% | 0.9% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 0.4% | 0.9% | ||
| Q3 24 | 0.1% | 0.0% | ||
| Q2 24 | 0.2% | 0.0% | ||
| Q1 24 | 0.1% | 0.1% |
现金转化率CPSSRGS
| Q4 25 | 58.02× | 3.65× | ||
| Q3 25 | 17.50× | 1.68× | ||
| Q2 25 | 11.35× | 0.06× | ||
| Q1 25 | 15.74× | 24.80× | ||
| Q4 24 | 45.43× | 0.28× | ||
| Q3 24 | 14.55× | — | ||
| Q2 24 | 9.27× | 0.06× | ||
| 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
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
