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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与RIGEL PHARMACEUTICALS INC（RIGL）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RIGEL PHARMACEUTICALS INC的1.6倍（$109.4M vs $69.8M），RIGEL PHARMACEUTICALS INC净利率更高（384.0% vs 4.6%，领先379.5%），RIGEL PHARMACEUTICALS INC同比增速更快（21.2% vs 3.9%），过去两年RIGEL PHARMACEUTICALS INC的营收复合增速更高（53.7% vs 9.2%）
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。
Rigel制药是一家临床阶段生物技术企业，专注于研发及商业化针对自身免疫性疾病、炎症性疾病与血液疾病的靶向小分子疗法，核心市场位于美国，旗下已获批产品可治疗成人免疫性血小板减少症，致力于满足未被覆盖的临床医疗需求。
CPSS vs RIGL — 直观对比
营收规模更大
CPSS
是对方的1.6倍
$69.8M
营收增速更快
RIGL
高出17.3%
3.9%
净利率更高
RIGL
高出379.5%
4.6%
两年增速更快
RIGL
近两年复合增速
9.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $69.8M |
| 净利润 | $5.0M | $268.1M |
| 毛利率 | — | 91.5% |
| 营业利润率 | 6.6% | 33.2% |
| 净利率 | 4.6% | 384.0% |
| 营收同比 | 3.9% | 21.2% |
| 净利润同比 | -3.2% | 1769.2% |
| 每股收益（稀释后） | $0.21 | $14.11 |
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CPSSRIGL
| Q4 25 | $109.4M | $69.8M | ||
| Q3 25 | $108.4M | $69.5M | ||
| Q2 25 | $109.8M | $101.7M | ||
| Q1 25 | $106.9M | $53.3M | ||
| Q4 24 | $105.3M | $57.6M | ||
| Q3 24 | $100.6M | $55.3M | ||
| Q2 24 | $95.9M | $36.8M | ||
| Q1 24 | $91.7M | $29.5M |
净利润CPSSRIGL
| Q4 25 | $5.0M | $268.1M | ||
| Q3 25 | $4.9M | $27.9M | ||
| Q2 25 | $4.8M | $59.6M | ||
| Q1 25 | $4.7M | $11.4M | ||
| Q4 24 | $5.1M | $14.3M | ||
| Q3 24 | $4.8M | $12.4M | ||
| Q2 24 | $4.7M | $-1.0M | ||
| Q1 24 | $4.6M | $-8.2M |
毛利率CPSSRIGL
| Q4 25 | — | 91.5% | ||
| Q3 25 | — | 93.2% | ||
| Q2 25 | — | 95.6% | ||
| Q1 25 | — | 91.7% | ||
| Q4 24 | — | 89.9% | ||
| Q3 24 | — | 85.5% | ||
| Q2 24 | — | 92.4% | ||
| Q1 24 | — | 93.1% |
营业利润率CPSSRIGL
| Q4 25 | 6.6% | 33.2% | ||
| Q3 25 | 6.5% | 40.9% | ||
| Q2 25 | 6.3% | 60.1% | ||
| Q1 25 | 6.4% | 23.9% | ||
| Q4 24 | 7.0% | 28.9% | ||
| Q3 24 | 6.8% | 25.4% | ||
| Q2 24 | 7.0% | 1.2% | ||
| Q1 24 | 7.1% | -23.6% |
净利率CPSSRIGL
| Q4 25 | 4.6% | 384.0% | ||
| Q3 25 | 4.5% | 40.2% | ||
| Q2 25 | 4.4% | 58.6% | ||
| Q1 25 | 4.4% | 21.5% | ||
| Q4 24 | 4.9% | 24.9% | ||
| Q3 24 | 4.8% | 22.5% | ||
| Q2 24 | 4.9% | -2.8% | ||
| Q1 24 | 5.0% | -27.9% |
每股收益（稀释后）CPSSRIGL
| Q4 25 | $0.21 | $14.11 | ||
| Q3 25 | $0.20 | $1.46 | ||
| Q2 25 | $0.20 | $3.28 | ||
| Q1 25 | $0.19 | $0.63 | ||
| Q4 24 | $0.21 | $0.82 | ||
| Q3 24 | $0.20 | $0.70 | ||
| Q2 24 | $0.19 | $-0.06 | ||
| Q1 24 | $0.19 | $-0.47 |
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 | $155.0M |
| 总债务越低越好 | — | $52.5M |
| 股东权益账面价值 | $309.5M | $391.5M |
| 总资产 | $3.9B | $513.6M |
| 负债/权益比越低杠杆越低 | — | 0.13× |
8季度趋势，按日历期对齐
现金及短期投资CPSSRIGL
| Q4 25 | $6.3M | $155.0M | ||
| Q3 25 | $9.4M | $137.1M | ||
| Q2 25 | $15.8M | $108.4M | ||
| Q1 25 | $29.8M | $77.1M | ||
| Q4 24 | $11.7M | $77.3M | ||
| Q3 24 | $8.1M | $61.1M | ||
| Q2 24 | $9.8M | $49.1M | ||
| Q1 24 | $13.2M | $49.5M |
总债务CPSSRIGL
| Q4 25 | — | $52.5M | ||
| Q3 25 | — | $60.0M | ||
| Q2 25 | — | $60.0M | ||
| Q1 25 | — | $60.0M | ||
| Q4 24 | — | $60.0M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $60.0M | ||
| Q1 24 | — | $60.0M |
股东权益CPSSRIGL
| Q4 25 | $309.5M | $391.5M | ||
| Q3 25 | $307.6M | $117.6M | ||
| Q2 25 | $303.1M | $81.9M | ||
| Q1 25 | $298.4M | $18.6M | ||
| Q4 24 | $292.8M | $3.3M | ||
| Q3 24 | $285.1M | $-14.6M | ||
| Q2 24 | $280.3M | $-29.9M | ||
| Q1 24 | $279.1M | $-31.7M |
总资产CPSSRIGL
| Q4 25 | $3.9B | $513.6M | ||
| Q3 25 | $3.8B | $242.5M | ||
| Q2 25 | $3.8B | $206.7M | ||
| Q1 25 | $3.7B | $176.0M | ||
| Q4 24 | $3.5B | $164.0M | ||
| Q3 24 | $3.5B | $139.4M | ||
| Q2 24 | $3.3B | $128.4M | ||
| Q1 24 | $3.0B | $126.5M |
负债/权益比CPSSRIGL
| Q4 25 | — | 0.13× | ||
| Q3 25 | — | 0.51× | ||
| Q2 25 | — | 0.73× | ||
| Q1 25 | — | 3.23× | ||
| Q4 24 | — | 18.25× | ||
| 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 | $22.0M |
| 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× | 0.08× |
| 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CPSSRIGL
| Q4 25 | $289.0M | $22.0M | ||
| Q3 25 | $84.9M | $24.0M | ||
| Q2 25 | $54.5M | $30.5M | ||
| Q1 25 | $73.9M | $-893.0K | ||
| Q4 24 | $233.8M | $14.5M | ||
| Q3 24 | $69.8M | $21.7M | ||
| Q2 24 | $43.3M | $302.0K | ||
| Q1 24 | $52.7M | $-5.0M |
自由现金流CPSSRIGL
| Q4 25 | $288.3M | — | ||
| Q3 25 | $84.9M | — | ||
| Q2 25 | $54.3M | — | ||
| Q1 25 | $73.4M | — | ||
| Q4 24 | $233.3M | — | ||
| Q3 24 | $69.7M | — | ||
| Q2 24 | $43.1M | — | ||
| Q1 24 | $52.6M | — |
自由现金流率CPSSRIGL
| Q4 25 | 263.5% | — | ||
| Q3 25 | 78.3% | — | ||
| Q2 25 | 49.5% | — | ||
| Q1 25 | 68.7% | — | ||
| Q4 24 | 221.6% | — | ||
| Q3 24 | 69.3% | — | ||
| Q2 24 | 45.0% | — | ||
| Q1 24 | 57.3% | — |
资本支出强度CPSSRIGL
| Q4 25 | 0.6% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.2% | — | ||
| Q1 24 | 0.1% | — |
现金转化率CPSSRIGL
| Q4 25 | 58.02× | 0.08× | ||
| Q3 25 | 17.50× | 0.86× | ||
| Q2 25 | 11.35× | 0.51× | ||
| Q1 25 | 15.74× | -0.08× | ||
| Q4 24 | 45.43× | 1.01× | ||
| Q3 24 | 14.55× | 1.75× | ||
| 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
