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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与Resolute Holdings Management, Inc.（RHLD）财务数据对比。点击上方公司名可切换其他公司
Resolute Holdings Management, 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 -1.5%，领先6.0%），CONSUMER PORTFOLIO SERVICES, INC.自由现金流更多（$288.3M vs $189.2M）
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。
Resolute Holdings Management, Inc.是一家澳大利亚矿业企业，核心业务布局于非洲地区，目前运营两座金矿，分别为位于马里的 Syama 金矿和塞内加尔的 Mako 金矿，专注于黄金资源的勘探、开采及相关运营管理工作。
CPSS vs RHLD — 直观对比
营收规模更大
RHLD
是对方的1.1倍
$109.4M
净利率更高
CPSS
高出6.0%
-1.5%
自由现金流更多
CPSS
多$99.1M
$189.2M
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $117.7M |
| 净利润 | $5.0M | $-1.7M |
| 毛利率 | — | 55.7% |
| 营业利润率 | 6.6% | 30.2% |
| 净利率 | 4.6% | -1.5% |
| 营收同比 | 3.9% | — |
| 净利润同比 | -3.2% | — |
| 每股收益（稀释后） | $0.21 | $-0.20 |
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CPSSRHLD
| Q4 25 | $109.4M | $117.7M | ||
| Q3 25 | $108.4M | $120.9M | ||
| Q2 25 | $109.8M | $119.6M | ||
| Q1 25 | $106.9M | $103.9M | ||
| Q4 24 | $105.3M | — | ||
| Q3 24 | $100.6M | — | ||
| Q2 24 | $95.9M | — | ||
| Q1 24 | $91.7M | — |
净利润CPSSRHLD
| Q4 25 | $5.0M | $-1.7M | ||
| Q3 25 | $4.9M | $-231.0K | ||
| Q2 25 | $4.8M | $-611.0K | ||
| Q1 25 | $4.7M | $-3.4M | ||
| Q4 24 | $5.1M | — | ||
| Q3 24 | $4.8M | — | ||
| Q2 24 | $4.7M | — | ||
| Q1 24 | $4.6M | — |
毛利率CPSSRHLD
| Q4 25 | — | 55.7% | ||
| Q3 25 | — | 59.0% | ||
| Q2 25 | — | 57.5% | ||
| Q1 25 | — | 52.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率CPSSRHLD
| Q4 25 | 6.6% | 30.2% | ||
| Q3 25 | 6.5% | 34.3% | ||
| Q2 25 | 6.3% | 34.0% | ||
| Q1 25 | 6.4% | 24.7% | ||
| Q4 24 | 7.0% | — | ||
| Q3 24 | 6.8% | — | ||
| Q2 24 | 7.0% | — | ||
| Q1 24 | 7.1% | — |
净利率CPSSRHLD
| Q4 25 | 4.6% | -1.5% | ||
| Q3 25 | 4.5% | -0.2% | ||
| Q2 25 | 4.4% | -0.5% | ||
| Q1 25 | 4.4% | -3.2% | ||
| Q4 24 | 4.9% | — | ||
| Q3 24 | 4.8% | — | ||
| Q2 24 | 4.9% | — | ||
| Q1 24 | 5.0% | — |
每股收益（稀释后）CPSSRHLD
| Q4 25 | $0.21 | $-0.20 | ||
| Q3 25 | $0.20 | $-0.03 | ||
| Q2 25 | $0.20 | $-0.07 | ||
| Q1 25 | $0.19 | $-0.39 | ||
| Q4 24 | $0.21 | — | ||
| Q3 24 | $0.20 | — | ||
| Q2 24 | $0.19 | — | ||
| Q1 24 | $0.19 | — |
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 | $205.5M |
| 总债务越低越好 | — | $169.8M |
| 股东权益账面价值 | $309.5M | $6.5M |
| 总资产 | $3.9B | $333.4M |
| 负债/权益比越低杠杆越低 | — | 26.03× |
8季度趋势，按日历期对齐
现金及短期投资CPSSRHLD
| Q4 25 | $6.3M | $205.5M | ||
| Q3 25 | $9.4M | $148.0M | ||
| Q2 25 | $15.8M | $99.9M | ||
| Q1 25 | $29.8M | $71.0M | ||
| Q4 24 | $11.7M | — | ||
| Q3 24 | $8.1M | — | ||
| Q2 24 | $9.8M | — | ||
| Q1 24 | $13.2M | — |
总债务CPSSRHLD
| Q4 25 | — | $169.8M | ||
| Q3 25 | — | $173.4M | ||
| Q2 25 | — | $177.1M | ||
| Q1 25 | — | $180.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益CPSSRHLD
| Q4 25 | $309.5M | $6.5M | ||
| Q3 25 | $307.6M | $10.8M | ||
| Q2 25 | $303.1M | $9.6M | ||
| Q1 25 | $298.4M | $8.9M | ||
| Q4 24 | $292.8M | — | ||
| Q3 24 | $285.1M | — | ||
| Q2 24 | $280.3M | — | ||
| Q1 24 | $279.1M | — |
总资产CPSSRHLD
| Q4 25 | $3.9B | $333.4M | ||
| Q3 25 | $3.8B | $293.2M | ||
| Q2 25 | $3.8B | $253.3M | ||
| Q1 25 | $3.7B | $214.3M | ||
| Q4 24 | $3.5B | — | ||
| Q3 24 | $3.5B | — | ||
| Q2 24 | $3.3B | — | ||
| Q1 24 | $3.0B | — |
负债/权益比CPSSRHLD
| Q4 25 | — | 26.03× | ||
| Q3 25 | — | 16.01× | ||
| Q2 25 | — | 18.42× | ||
| Q1 25 | — | 20.38× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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 | $196.1M |
| 自由现金流经营现金流 - 资本支出 | $288.3M | $189.2M |
| 自由现金流率自由现金流/营收 | 263.5% | 160.8% |
| 资本支出强度资本支出/营收 | 0.6% | 5.8% |
| 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 | $313.2M |
8季度趋势，按日历期对齐
经营现金流CPSSRHLD
| Q4 25 | $289.0M | $196.1M | ||
| Q3 25 | $84.9M | $59.6M | ||
| Q2 25 | $54.5M | $48.9M | ||
| Q1 25 | $73.9M | $18.4M | ||
| Q4 24 | $233.8M | — | ||
| Q3 24 | $69.8M | — | ||
| Q2 24 | $43.3M | — | ||
| Q1 24 | $52.7M | — |
自由现金流CPSSRHLD
| Q4 25 | $288.3M | $189.2M | ||
| Q3 25 | $84.9M | $58.6M | ||
| Q2 25 | $54.3M | $47.5M | ||
| Q1 25 | $73.4M | $17.8M | ||
| Q4 24 | $233.3M | — | ||
| Q3 24 | $69.7M | — | ||
| Q2 24 | $43.1M | — | ||
| Q1 24 | $52.6M | — |
自由现金流率CPSSRHLD
| Q4 25 | 263.5% | 160.8% | ||
| Q3 25 | 78.3% | 48.5% | ||
| Q2 25 | 49.5% | 39.7% | ||
| Q1 25 | 68.7% | 17.1% | ||
| Q4 24 | 221.6% | — | ||
| Q3 24 | 69.3% | — | ||
| Q2 24 | 45.0% | — | ||
| Q1 24 | 57.3% | — |
资本支出强度CPSSRHLD
| Q4 25 | 0.6% | 5.8% | ||
| Q3 25 | 0.0% | 0.8% | ||
| Q2 25 | 0.1% | 1.2% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.2% | — | ||
| Q1 24 | 0.1% | — |
现金转化率CPSSRHLD
| 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
