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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与Repay Holdings Corp（RPAY）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Repay Holdings Corp的1.4倍（$109.4M vs $78.6M），CONSUMER PORTFOLIO SERVICES, INC.净利率更高（4.6% vs -178.3%，领先182.8%），CONSUMER PORTFOLIO SERVICES, INC.同比增速更快（3.9% vs 0.4%），CONSUMER PORTFOLIO SERVICES, INC.自由现金流更多（$288.3M vs $23.2M），过去两年CONSUMER PORTFOLIO SERVICES, INC.的营收复合增速更高（9.2% vs -1.3%）
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。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
CPSS vs RPAY — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $78.6M |
| 净利润 | $5.0M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 6.6% | -182.2% |
| 净利率 | 4.6% | -178.3% |
| 营收同比 | 3.9% | 0.4% |
| 净利润同比 | -3.2% | -3304.1% |
| 每股收益（稀释后） | $0.21 | $-1.68 |
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 | $78.6M | ||
| Q3 25 | $108.4M | $77.7M | ||
| Q2 25 | $109.8M | $75.6M | ||
| Q1 25 | $106.9M | $77.3M | ||
| Q4 24 | $105.3M | $78.3M | ||
| Q3 24 | $100.6M | $79.1M | ||
| Q2 24 | $95.9M | $74.9M | ||
| Q1 24 | $91.7M | $80.7M |
| Q4 25 | $5.0M | $-140.1M | ||
| Q3 25 | $4.9M | $-6.4M | ||
| Q2 25 | $4.8M | $-102.3M | ||
| Q1 25 | $4.7M | $-7.9M | ||
| Q4 24 | $5.1M | $-4.1M | ||
| Q3 24 | $4.8M | $3.2M | ||
| Q2 24 | $4.7M | $-4.1M | ||
| Q1 24 | $4.6M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 6.6% | -182.2% | ||
| Q3 25 | 6.5% | -3.9% | ||
| Q2 25 | 6.3% | -138.7% | ||
| Q1 25 | 6.4% | -4.7% | ||
| Q4 24 | 7.0% | -1.5% | ||
| Q3 24 | 6.8% | -0.9% | ||
| Q2 24 | 7.0% | -4.6% | ||
| Q1 24 | 7.1% | -3.1% |
| Q4 25 | 4.6% | -178.3% | ||
| Q3 25 | 4.5% | -8.3% | ||
| Q2 25 | 4.4% | -135.2% | ||
| Q1 25 | 4.4% | -10.3% | ||
| Q4 24 | 4.9% | -5.3% | ||
| Q3 24 | 4.8% | 4.1% | ||
| Q2 24 | 4.9% | -5.4% | ||
| Q1 24 | 5.0% | -6.5% |
| Q4 25 | $0.21 | $-1.68 | ||
| Q3 25 | $0.20 | $-0.08 | ||
| Q2 25 | $0.20 | $-1.15 | ||
| Q1 25 | $0.19 | $-0.09 | ||
| Q4 24 | $0.21 | $-0.04 | ||
| Q3 24 | $0.20 | $0.03 | ||
| Q2 24 | $0.19 | $-0.04 | ||
| Q1 24 | $0.19 | $-0.06 |
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 | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $309.5M | $484.4M |
| 总资产 | $3.9B | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.58× |
8季度趋势，按日历期对齐
| Q4 25 | $6.3M | $115.7M | ||
| Q3 25 | $9.4M | $95.7M | ||
| Q2 25 | $15.8M | $162.6M | ||
| Q1 25 | $29.8M | $165.5M | ||
| Q4 24 | $11.7M | $189.5M | ||
| Q3 24 | $8.1M | $168.7M | ||
| Q2 24 | $9.8M | $147.1M | ||
| Q1 24 | $13.2M | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $309.5M | $484.4M | ||
| Q3 25 | $307.6M | $616.9M | ||
| Q2 25 | $303.1M | $633.7M | ||
| Q1 25 | $298.4M | $755.7M | ||
| Q4 24 | $292.8M | $761.3M | ||
| Q3 24 | $285.1M | $754.7M | ||
| Q2 24 | $280.3M | $815.4M | ||
| Q1 24 | $279.1M | $813.8M |
| Q4 25 | $3.9B | $1.2B | ||
| Q3 25 | $3.8B | $1.3B | ||
| Q2 25 | $3.8B | $1.4B | ||
| Q1 25 | $3.7B | $1.5B | ||
| Q4 24 | $3.5B | $1.6B | ||
| Q3 24 | $3.5B | $1.6B | ||
| Q2 24 | $3.3B | $1.5B | ||
| Q1 24 | $3.0B | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $288.3M | $23.2M |
| 自由现金流率自由现金流/营收 | 263.5% | 29.6% |
| 资本支出强度资本支出/营收 | 0.6% | 0.1% |
| 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 | $90.7M |
8季度趋势，按日历期对齐
| Q4 25 | $289.0M | $23.3M | ||
| Q3 25 | $84.9M | $32.2M | ||
| Q2 25 | $54.5M | $33.1M | ||
| Q1 25 | $73.9M | $2.5M | ||
| Q4 24 | $233.8M | $34.3M | ||
| Q3 24 | $69.8M | $60.1M | ||
| Q2 24 | $43.3M | $31.0M | ||
| Q1 24 | $52.7M | $24.8M |
| Q4 25 | $288.3M | $23.2M | ||
| Q3 25 | $84.9M | $32.1M | ||
| Q2 25 | $54.3M | $33.0M | ||
| Q1 25 | $73.4M | $2.4M | ||
| Q4 24 | $233.3M | $34.0M | ||
| Q3 24 | $69.7M | $59.8M | ||
| Q2 24 | $43.1M | $30.5M | ||
| Q1 24 | $52.6M | $24.7M |
| Q4 25 | 263.5% | 29.6% | ||
| Q3 25 | 78.3% | 41.3% | ||
| Q2 25 | 49.5% | 43.6% | ||
| Q1 25 | 68.7% | 3.0% | ||
| Q4 24 | 221.6% | 43.5% | ||
| Q3 24 | 69.3% | 75.6% | ||
| Q2 24 | 45.0% | 40.7% | ||
| Q1 24 | 57.3% | 30.6% |
| Q4 25 | 0.6% | 0.1% | ||
| Q3 25 | 0.0% | 0.2% | ||
| Q2 25 | 0.1% | 0.1% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 0.4% | 0.3% | ||
| Q3 24 | 0.1% | 0.3% | ||
| Q2 24 | 0.2% | 0.6% | ||
| 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× | 18.52× | ||
| 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
业务分部营收拆解
CPSS
暂无分部数据
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
