vs
Open Lending Corp（LPRO）与WORLD ACCEPTANCE CORP（WRLD）财务数据对比。点击上方公司名可切换其他公司
WORLD ACCEPTANCE CORP的季度营收约是Open Lending Corp的7.3倍（$141.3M vs $19.3M）。Open Lending Corp同比增速更快（134.0% vs 1.9%）。过去两年WORLD ACCEPTANCE CORP的营收复合增速更高（-5.8% vs -13.8%）
开放图书馆是互联网档案馆旗下的非盈利在线项目，旨在实现「每一本出版过的书都拥有专属网页」的目标，由亚伦·斯沃茨等多位开发者共同创立，项目获得了加州州立图书馆和卡勒-奥斯汀基金会的部分资助，为用户提供多种格式的公开领域书籍数字化副本在线阅览服务。
本公司是一家汽车金融企业，主营汽车贷款及相关金融产品，业务通过全国合作经销商网络开展。目前公司运营两大核心业务项目，分别为投资组合项目与收购项目，通过这两个项目，公司可向汽车经销商预先提供资金，以此获得底层消费贷款的服务权等相关权益。
LPRO vs WRLD — 直观对比
营收规模更大
WRLD
是对方的7.3倍
$19.3M
营收增速更快
LPRO
高出132.1%
1.9%
两年增速更快
WRLD
近两年复合增速
-13.8%
损益表 — Q4 2025 vs Q3 2026
| 指标 | | |
|---|---|---|
| 营收 | $19.3M | $141.3M |
| 净利润 | — | $-911.3K |
| 毛利率 | 76.0% | — |
| 营业利润率 | 3.9% | -0.7% |
| 净利率 | — | -0.6% |
| 营收同比 | 134.0% | 1.9% |
| 净利润同比 | — | -106.8% |
| 每股收益（稀释后） | $-0.00 | $-0.19 |
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LPROWRLD
| Q4 25 | $19.3M | $141.3M | ||
| Q3 25 | $24.2M | $134.5M | ||
| Q2 25 | $25.3M | $132.5M | ||
| Q1 25 | $24.4M | $165.3M | ||
| Q4 24 | $-56.9M | $138.6M | ||
| Q3 24 | $23.5M | $131.4M | ||
| Q2 24 | — | $129.5M | ||
| Q1 24 | — | $159.3M |
净利润LPROWRLD
| Q4 25 | — | $-911.3K | ||
| Q3 25 | $-7.6M | $-1.9M | ||
| Q2 25 | $1.0M | $1.3M | ||
| Q1 25 | $617.0K | $44.3M | ||
| Q4 24 | — | $13.4M | ||
| Q3 24 | $1.4M | $22.1M | ||
| Q2 24 | — | $9.9M | ||
| Q1 24 | — | $35.1M |
毛利率LPROWRLD
| Q4 25 | 76.0% | — | ||
| Q3 25 | 78.0% | — | ||
| Q2 25 | 78.2% | — | ||
| Q1 25 | 75.1% | — | ||
| Q4 24 | 111.0% | — | ||
| Q3 24 | 73.9% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
营业利润率LPROWRLD
| Q4 25 | 3.9% | -0.7% | ||
| Q3 25 | -31.9% | -1.3% | ||
| Q2 25 | 4.6% | 1.5% | ||
| Q1 25 | 3.1% | 33.3% | ||
| Q4 24 | 138.0% | 11.6% | ||
| Q3 24 | 7.9% | 21.3% | ||
| Q2 24 | — | 10.0% | ||
| Q1 24 | — | 29.3% |
净利率LPROWRLD
| Q4 25 | — | -0.6% | ||
| Q3 25 | -31.3% | -1.4% | ||
| Q2 25 | 4.1% | 1.0% | ||
| Q1 25 | 2.5% | 26.8% | ||
| Q4 24 | — | 9.7% | ||
| Q3 24 | 6.1% | 16.8% | ||
| Q2 24 | — | 7.7% | ||
| Q1 24 | — | 22.0% |
每股收益（稀释后）LPROWRLD
| Q4 25 | $-0.00 | $-0.19 | ||
| Q3 25 | $-0.06 | $-0.38 | ||
| Q2 25 | $0.01 | $0.25 | ||
| Q1 25 | $0.01 | $8.07 | ||
| Q4 24 | $-1.20 | $2.45 | ||
| Q3 24 | $0.01 | $3.99 | ||
| Q2 24 | — | $1.79 | ||
| Q1 24 | — | $6.02 |
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 | $176.6M | $10.0M |
| 总债务越低越好 | $84.8M | $677.2M |
| 股东权益账面价值 | $75.0M | $351.6M |
| 总资产 | $236.7M | $1.1B |
| 负债/权益比越低杠杆越低 | 1.13× | 1.93× |
8季度趋势，按日历期对齐
现金及短期投资LPROWRLD
| Q4 25 | $176.6M | $10.0M | ||
| Q3 25 | $222.1M | $14.9M | ||
| Q2 25 | $230.7M | $8.1M | ||
| Q1 25 | $236.2M | $4.7M | ||
| Q4 24 | $243.2M | $10.3M | ||
| Q3 24 | $250.2M | $9.7M | ||
| Q2 24 | — | $11.1M | ||
| Q1 24 | — | $5.2M |
总债务LPROWRLD
| Q4 25 | $84.8M | $677.2M | ||
| Q3 25 | $134.4M | $584.6M | ||
| Q2 25 | $136.1M | $472.5M | ||
| Q1 25 | $137.9M | $447.9M | ||
| Q4 24 | $139.7M | $561.2M | ||
| Q3 24 | $141.5M | $506.6M | ||
| Q2 24 | — | $494.7M | ||
| Q1 24 | — | $498.4M |
股东权益LPROWRLD
| Q4 25 | $75.0M | $351.6M | ||
| Q3 25 | $72.8M | $365.6M | ||
| Q2 25 | $78.9M | $427.9M | ||
| Q1 25 | $79.8M | $439.5M | ||
| Q4 24 | $78.1M | $428.2M | ||
| Q3 24 | $220.5M | $417.5M | ||
| Q2 24 | — | $422.6M | ||
| Q1 24 | — | $424.4M |
总资产LPROWRLD
| Q4 25 | $236.7M | $1.1B | ||
| Q3 25 | $287.7M | $1.1B | ||
| Q2 25 | $296.7M | $1.0B | ||
| Q1 25 | $304.2M | $1.0B | ||
| Q4 24 | $296.4M | $1.1B | ||
| Q3 24 | $395.7M | $1.0B | ||
| Q2 24 | — | $1.0B | ||
| Q1 24 | — | $1.1B |
负债/权益比LPROWRLD
| Q4 25 | 1.13× | 1.93× | ||
| Q3 25 | 1.84× | 1.60× | ||
| Q2 25 | 1.72× | 1.10× | ||
| Q1 25 | 1.73× | 1.02× | ||
| Q4 24 | 1.79× | 1.31× | ||
| Q3 24 | 0.64× | 1.21× | ||
| Q2 24 | — | 1.17× | ||
| Q1 24 | — | 1.17× |
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 | $5.5M | $58.0M |
| 自由现金流经营现金流 - 资本支出 | — | $57.2M |
| 自由现金流率自由现金流/营收 | — | 40.5% |
| 资本支出强度资本支出/营收 | 0.0% | 0.6% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $252.0M |
8季度趋势，按日历期对齐
经营现金流LPROWRLD
| Q4 25 | $5.5M | $58.0M | ||
| Q3 25 | $-5.7M | $48.6M | ||
| Q2 25 | $848.0K | $58.2M | ||
| Q1 25 | $-3.8M | $90.9M | ||
| Q4 24 | $-3.4M | $61.1M | ||
| Q3 24 | $11.4M | $53.8M | ||
| Q2 24 | — | $48.4M | ||
| Q1 24 | — | $83.8M |
自由现金流LPROWRLD
| Q4 25 | — | $57.2M | ||
| Q3 25 | — | $47.7M | ||
| Q2 25 | $837.0K | $57.1M | ||
| Q1 25 | $-3.9M | $90.0M | ||
| Q4 24 | $-3.4M | $60.4M | ||
| Q3 24 | $11.3M | $52.7M | ||
| Q2 24 | — | $47.3M | ||
| Q1 24 | — | $82.3M |
自由现金流率LPROWRLD
| Q4 25 | — | 40.5% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | 3.3% | 43.1% | ||
| Q1 25 | -15.9% | 54.5% | ||
| Q4 24 | 5.9% | 43.6% | ||
| Q3 24 | 48.0% | 40.1% | ||
| Q2 24 | — | 36.5% | ||
| Q1 24 | — | 51.7% |
资本支出强度LPROWRLD
| Q4 25 | 0.0% | 0.6% | ||
| Q3 25 | 0.0% | 0.7% | ||
| Q2 25 | 0.0% | 0.8% | ||
| Q1 25 | 0.2% | 0.5% | ||
| Q4 24 | -0.0% | 0.5% | ||
| Q3 24 | 0.5% | 0.8% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 1.0% |
现金转化率LPROWRLD
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 0.82× | 43.27× | ||
| Q1 25 | -6.22× | 2.05× | ||
| Q4 24 | — | 4.56× | ||
| Q3 24 | 7.92× | 2.43× | ||
| Q2 24 | — | 4.87× | ||
| Q1 24 | — | 2.39× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
