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CONSUMER PORTFOLIO SERVICES, INC.（CPSS）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
null的季度营收约是CONSUMER PORTFOLIO SERVICES, INC.的1.1倍（$117.3M vs $109.4M），CONSUMER PORTFOLIO SERVICES, INC.净利率更高（4.6% vs -7.3%，领先11.8%），null同比增速更快（5.3% vs 3.9%），过去两年CONSUMER PORTFOLIO SERVICES, INC.的营收复合增速更高（9.2% vs -14.4%）
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。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
CPSS vs SWIM — 直观对比
营收规模更大
SWIM
是对方的1.1倍
$109.4M
营收增速更快
SWIM
高出1.4%
3.9%
净利率更高
CPSS
高出11.8%
-7.3%
两年增速更快
CPSS
近两年复合增速
-14.4%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $109.4M | $117.3M |
| 净利润 | $5.0M | $-8.5M |
| 毛利率 | — | 31.7% |
| 营业利润率 | 6.6% | — |
| 净利率 | 4.6% | -7.3% |
| 营收同比 | 3.9% | 5.3% |
| 净利润同比 | -3.2% | -43.1% |
| 每股收益（稀释后） | $0.21 | $-0.07 |
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CPSSSWIM
| Q1 26 | — | $117.3M | ||
| Q4 25 | $109.4M | $100.0M | ||
| Q3 25 | $108.4M | $161.9M | ||
| Q2 25 | $109.8M | $172.6M | ||
| Q1 25 | $106.9M | $111.4M | ||
| Q4 24 | $105.3M | $87.3M | ||
| Q3 24 | $100.6M | $150.5M | ||
| Q2 24 | $95.9M | $160.1M |
净利润CPSSSWIM
| Q1 26 | — | $-8.5M | ||
| Q4 25 | $5.0M | $-7.0M | ||
| Q3 25 | $4.9M | $8.1M | ||
| Q2 25 | $4.8M | $16.0M | ||
| Q1 25 | $4.7M | $-6.0M | ||
| Q4 24 | $5.1M | $-29.2M | ||
| Q3 24 | $4.8M | $5.9M | ||
| Q2 24 | $4.7M | $13.3M |
毛利率CPSSSWIM
| Q1 26 | — | 31.7% | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率CPSSSWIM
| Q1 26 | — | — | ||
| Q4 25 | 6.6% | -10.7% | ||
| Q3 25 | 6.5% | 13.3% | ||
| Q2 25 | 6.3% | 14.3% | ||
| Q1 25 | 6.4% | -4.4% | ||
| Q4 24 | 7.0% | -14.9% | ||
| Q3 24 | 6.8% | 8.9% | ||
| Q2 24 | 7.0% | 12.5% |
净利率CPSSSWIM
| Q1 26 | — | -7.3% | ||
| Q4 25 | 4.6% | -7.0% | ||
| Q3 25 | 4.5% | 5.0% | ||
| Q2 25 | 4.4% | 9.3% | ||
| Q1 25 | 4.4% | -5.4% | ||
| Q4 24 | 4.9% | -33.4% | ||
| Q3 24 | 4.8% | 3.9% | ||
| Q2 24 | 4.9% | 8.3% |
每股收益（稀释后）CPSSSWIM
| Q1 26 | — | $-0.07 | ||
| Q4 25 | $0.21 | $-0.06 | ||
| Q3 25 | $0.20 | $0.07 | ||
| Q2 25 | $0.20 | $0.13 | ||
| Q1 25 | $0.19 | $-0.05 | ||
| Q4 24 | $0.21 | $-0.24 | ||
| Q3 24 | $0.20 | $0.05 | ||
| Q2 24 | $0.19 | $0.11 |
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 | — |
| 总债务越低越好 | — | $3.3M |
| 股东权益账面价值 | $309.5M | $396.7M |
| 总资产 | $3.9B | $856.4M |
| 负债/权益比越低杠杆越低 | — | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资CPSSSWIM
| Q1 26 | — | — | ||
| Q4 25 | $6.3M | — | ||
| Q3 25 | $9.4M | — | ||
| Q2 25 | $15.8M | — | ||
| Q1 25 | $29.8M | — | ||
| Q4 24 | $11.7M | — | ||
| Q3 24 | $8.1M | — | ||
| Q2 24 | $9.8M | — |
总债务CPSSSWIM
| Q1 26 | — | $3.3M | ||
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M |
股东权益CPSSSWIM
| Q1 26 | — | $396.7M | ||
| Q4 25 | $309.5M | $405.9M | ||
| Q3 25 | $307.6M | $408.4M | ||
| Q2 25 | $303.1M | $398.4M | ||
| Q1 25 | $298.4M | $381.1M | ||
| Q4 24 | $292.8M | $387.2M | ||
| Q3 24 | $285.1M | $416.6M | ||
| Q2 24 | $280.3M | $408.1M |
总资产CPSSSWIM
| Q1 26 | — | $856.4M | ||
| Q4 25 | $3.9B | $823.2M | ||
| Q3 25 | $3.8B | $844.4M | ||
| Q2 25 | $3.8B | $822.1M | ||
| Q1 25 | $3.7B | $824.6M | ||
| Q4 24 | $3.5B | $794.2M | ||
| Q3 24 | $3.5B | $853.4M | ||
| Q2 24 | $3.3B | $830.0M |
负债/权益比CPSSSWIM
| Q1 26 | — | 0.01× | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× |
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 | $-47.7M |
| 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× | — |
| 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CPSSSWIM
| Q1 26 | — | $-47.7M | ||
| Q4 25 | $289.0M | $23.3M | ||
| Q3 25 | $84.9M | $51.0M | ||
| Q2 25 | $54.5M | $36.0M | ||
| Q1 25 | $73.9M | $-46.9M | ||
| Q4 24 | $233.8M | $6.2M | ||
| Q3 24 | $69.8M | $37.2M | ||
| Q2 24 | $43.3M | $52.4M |
自由现金流CPSSSWIM
| Q1 26 | — | — | ||
| Q4 25 | $288.3M | $14.1M | ||
| Q3 25 | $84.9M | $45.2M | ||
| Q2 25 | $54.3M | $29.1M | ||
| Q1 25 | $73.4M | $-50.3M | ||
| Q4 24 | $233.3M | $-98.0K | ||
| Q3 24 | $69.7M | $33.2M | ||
| Q2 24 | $43.1M | $47.9M |
自由现金流率CPSSSWIM
| Q1 26 | — | — | ||
| Q4 25 | 263.5% | 14.1% | ||
| Q3 25 | 78.3% | 27.9% | ||
| Q2 25 | 49.5% | 16.8% | ||
| Q1 25 | 68.7% | -45.2% | ||
| Q4 24 | 221.6% | -0.1% | ||
| Q3 24 | 69.3% | 22.1% | ||
| Q2 24 | 45.0% | 29.9% |
资本支出强度CPSSSWIM
| Q1 26 | — | — | ||
| Q4 25 | 0.6% | 9.2% | ||
| Q3 25 | 0.0% | 3.6% | ||
| Q2 25 | 0.1% | 4.0% | ||
| Q1 25 | 0.4% | 3.1% | ||
| Q4 24 | 0.4% | 7.2% | ||
| Q3 24 | 0.1% | 2.7% | ||
| Q2 24 | 0.2% | 2.8% |
现金转化率CPSSSWIM
| Q1 26 | — | — | ||
| Q4 25 | 58.02× | — | ||
| Q3 25 | 17.50× | 6.29× | ||
| Q2 25 | 11.35× | 2.25× | ||
| Q1 25 | 15.74× | — | ||
| Q4 24 | 45.43× | — | ||
| Q3 24 | 14.55× | 6.32× | ||
| Q2 24 | 9.27× | 3.95× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
