vs
CSW INDUSTRIALS, INC.（CSW）与CPI Card Group Inc.（PMTS）财务数据对比。点击上方公司名可切换其他公司
CSW INDUSTRIALS, INC.的季度营收约是CPI Card Group Inc.的1.5倍（$233.0M vs $153.1M），CPI Card Group Inc.净利率更高（4.8% vs 4.4%，领先0.4%），CPI Card Group Inc.同比增速更快（22.3% vs 20.3%），CPI Card Group Inc.自由现金流更多（$35.2M vs $22.7M），过去两年CPI Card Group Inc.的营收复合增速更高（16.9% vs 5.1%）
CPI Card Group Inc.是知名的支付卡生产及配套解决方案供应商，主营接触式、非接触式信用卡、借记卡、预付卡的制造与个性化定制服务，客户以北美地区的金融机构、金融科技企业及零售品牌为主。
CSW vs PMTS — 直观对比
营收规模更大
CSW
是对方的1.5倍
$153.1M
营收增速更快
PMTS
高出2.0%
20.3%
净利率更高
PMTS
高出0.4%
4.4%
自由现金流更多
PMTS
多$12.5M
$22.7M
两年增速更快
PMTS
近两年复合增速
5.1%
损益表 — Q3 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $233.0M | $153.1M |
| 净利润 | $10.3M | $7.3M |
| 毛利率 | 39.7% | 31.5% |
| 营业利润率 | 7.4% | 12.0% |
| 净利率 | 4.4% | 4.8% |
| 营收同比 | 20.3% | 22.3% |
| 净利润同比 | -61.9% | 8.5% |
| 每股收益（稀释后） | $0.62 | $0.62 |
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CSWPMTS
| Q4 25 | $233.0M | $153.1M | ||
| Q3 25 | $277.0M | $138.0M | ||
| Q2 25 | $263.6M | $129.8M | ||
| Q1 25 | $230.5M | $122.8M | ||
| Q4 24 | $193.6M | $125.1M | ||
| Q3 24 | $227.9M | $124.8M | ||
| Q2 24 | $226.2M | $118.8M | ||
| Q1 24 | $210.9M | $111.9M |
净利润CSWPMTS
| Q4 25 | $10.3M | $7.3M | ||
| Q3 25 | $40.7M | $2.3M | ||
| Q2 25 | $40.9M | $518.0K | ||
| Q1 25 | $35.1M | $4.8M | ||
| Q4 24 | $26.9M | $6.8M | ||
| Q3 24 | $36.1M | $1.3M | ||
| Q2 24 | $38.6M | $6.0M | ||
| Q1 24 | $31.8M | $5.5M |
毛利率CSWPMTS
| Q4 25 | 39.7% | 31.5% | ||
| Q3 25 | 43.0% | 29.7% | ||
| Q2 25 | 43.8% | 30.9% | ||
| Q1 25 | 44.2% | 33.2% | ||
| Q4 24 | 41.4% | 34.1% | ||
| Q3 24 | 45.6% | 35.8% | ||
| Q2 24 | 47.5% | 35.7% | ||
| Q1 24 | 44.4% | 37.1% |
营业利润率CSWPMTS
| Q4 25 | 7.4% | 12.0% | ||
| Q3 25 | 20.5% | 9.4% | ||
| Q2 25 | 20.8% | 7.3% | ||
| Q1 25 | 19.5% | 11.5% | ||
| Q4 24 | 15.3% | 12.7% | ||
| Q3 24 | 22.6% | 14.3% | ||
| Q2 24 | 24.3% | 12.5% | ||
| Q1 24 | 21.0% | 12.6% |
净利率CSWPMTS
| Q4 25 | 4.4% | 4.8% | ||
| Q3 25 | 14.7% | 1.7% | ||
| Q2 25 | 15.5% | 0.4% | ||
| Q1 25 | 15.2% | 3.9% | ||
| Q4 24 | 13.9% | 5.4% | ||
| Q3 24 | 15.8% | 1.0% | ||
| Q2 24 | 17.1% | 5.1% | ||
| Q1 24 | 15.1% | 4.9% |
每股收益（稀释后）CSWPMTS
| Q4 25 | $0.62 | $0.62 | ||
| Q3 25 | $2.41 | $0.19 | ||
| Q2 25 | $2.43 | $0.04 | ||
| Q1 25 | $2.05 | $0.40 | ||
| Q4 24 | $1.60 | $0.56 | ||
| Q3 24 | $2.26 | $0.11 | ||
| Q2 24 | $2.47 | $0.51 | ||
| Q1 24 | $2.03 | $0.46 |
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 | $40.2M | $21.7M |
| 总债务越低越好 | — | $286.7M |
| 股东权益账面价值 | $1.1B | $-17.3M |
| 总资产 | $2.3B | $403.2M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CSWPMTS
| Q4 25 | $40.2M | $21.7M | ||
| Q3 25 | $31.5M | $16.0M | ||
| Q2 25 | $38.0M | $17.1M | ||
| Q1 25 | $225.8M | $31.5M | ||
| Q4 24 | $213.8M | $33.5M | ||
| Q3 24 | $273.2M | $14.7M | ||
| Q2 24 | $18.9M | $7.5M | ||
| Q1 24 | $22.2M | $17.1M |
总债务CSWPMTS
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | $800.1M | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M | ||
| Q1 24 | $166.0M | $265.3M |
股东权益CSWPMTS
| Q4 25 | $1.1B | $-17.3M | ||
| Q3 25 | $1.1B | $-25.7M | ||
| Q2 25 | $1.1B | $-29.0M | ||
| Q1 25 | $1.1B | $-29.7M | ||
| Q4 24 | $1.0B | $-35.6M | ||
| Q3 24 | $1.0B | $-42.8M | ||
| Q2 24 | $650.2M | $-44.6M | ||
| Q1 24 | $615.7M | $-48.5M |
总资产CSWPMTS
| Q4 25 | $2.3B | $403.2M | ||
| Q3 25 | $1.5B | $407.1M | ||
| Q2 25 | $1.5B | $399.8M | ||
| Q1 25 | $1.4B | $351.9M | ||
| Q4 24 | $1.4B | $349.7M | ||
| Q3 24 | $1.4B | $342.3M | ||
| Q2 24 | $1.1B | $321.4M | ||
| Q1 24 | $1.0B | $319.8M |
负债/权益比CSWPMTS
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.75× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.27× | — |
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 | $28.9M | $39.6M |
| 自由现金流经营现金流 - 资本支出 | $22.7M | $35.2M |
| 自由现金流率自由现金流/营收 | 9.8% | 23.0% |
| 资本支出强度资本支出/营收 | 2.6% | 2.9% |
| 现金转化率经营现金流/净利润 | 2.81× | 5.39× |
| 过去12个月自由现金流最近4个季度 | $162.0M | $41.3M |
8季度趋势，按日历期对齐
经营现金流CSWPMTS
| Q4 25 | $28.9M | $39.6M | ||
| Q3 25 | $61.8M | $10.0M | ||
| Q2 25 | $60.6M | $4.3M | ||
| Q1 25 | $27.3M | $5.6M | ||
| Q4 24 | $11.6M | $26.7M | ||
| Q3 24 | $66.8M | $12.5M | ||
| Q2 24 | $62.7M | $-4.8M | ||
| Q1 24 | $22.4M | $8.9M |
自由现金流CSWPMTS
| Q4 25 | $22.7M | $35.2M | ||
| Q3 25 | $58.7M | $5.3M | ||
| Q2 25 | $57.7M | $533.0K | ||
| Q1 25 | $22.8M | $292.0K | ||
| Q4 24 | $8.5M | $21.6M | ||
| Q3 24 | $61.3M | $11.1M | ||
| Q2 24 | $59.6M | $-6.0M | ||
| Q1 24 | $17.5M | $7.4M |
自由现金流率CSWPMTS
| Q4 25 | 9.8% | 23.0% | ||
| Q3 25 | 21.2% | 3.8% | ||
| Q2 25 | 21.9% | 0.4% | ||
| Q1 25 | 9.9% | 0.2% | ||
| Q4 24 | 4.4% | 17.3% | ||
| Q3 24 | 26.9% | 8.9% | ||
| Q2 24 | 26.3% | -5.0% | ||
| Q1 24 | 8.3% | 6.6% |
资本支出强度CSWPMTS
| Q4 25 | 2.6% | 2.9% | ||
| Q3 25 | 1.1% | 3.4% | ||
| Q2 25 | 1.1% | 2.9% | ||
| Q1 25 | 2.0% | 4.3% | ||
| Q4 24 | 1.6% | 4.0% | ||
| Q3 24 | 2.4% | 1.2% | ||
| Q2 24 | 1.4% | 1.0% | ||
| Q1 24 | 2.3% | 1.3% |
现金转化率CSWPMTS
| Q4 25 | 2.81× | 5.39× | ||
| Q3 25 | 1.52× | 4.32× | ||
| Q2 25 | 1.48× | 8.39× | ||
| Q1 25 | 0.78× | 1.17× | ||
| Q4 24 | 0.43× | 3.94× | ||
| Q3 24 | 1.85× | 9.70× | ||
| Q2 24 | 1.62× | -0.79× | ||
| Q1 24 | 0.71× | 1.63× |
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
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
