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CPI Card Group Inc.（PMTS）与PROGRESS SOFTWARE CORP（PRGS）财务数据对比。点击上方公司名可切换其他公司
PROGRESS SOFTWARE CORP的季度营收约是CPI Card Group Inc.的1.7倍（$252.7M vs $153.1M），PROGRESS SOFTWARE CORP净利率更高（10.2% vs 4.8%，领先5.4%），CPI Card Group Inc.同比增速更快（22.3% vs 17.5%），PROGRESS SOFTWARE CORP自由现金流更多（$59.9M vs $35.2M），过去两年PROGRESS SOFTWARE CORP的营收复合增速更高（17.0% vs 16.9%）
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。
Progress Software是全球领先的企业级软件服务商，主营应用开发平台、数据连接工具、数字体验解决方案等产品，服务覆盖金融、医疗、制造、零售等多行业的全球企业客户，助力客户搭建高性能可扩展的业务应用，提升运营效率。
PMTS vs PRGS — 直观对比
营收规模更大
PRGS
是对方的1.7倍
$153.1M
营收增速更快
PMTS
高出4.8%
17.5%
净利率更高
PRGS
高出5.4%
4.8%
自由现金流更多
PRGS
多$24.7M
$35.2M
两年增速更快
PRGS
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $153.1M | $252.7M |
| 净利润 | $7.3M | $25.7M |
| 毛利率 | 31.5% | 81.6% |
| 营业利润率 | 12.0% | 15.2% |
| 净利率 | 4.8% | 10.2% |
| 营收同比 | 22.3% | 17.5% |
| 净利润同比 | 8.5% | 2144.6% |
| 每股收益（稀释后） | $0.62 | $0.59 |
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PMTSPRGS
| Q4 25 | $153.1M | $252.7M | ||
| Q3 25 | $138.0M | $249.8M | ||
| Q2 25 | $129.8M | $237.4M | ||
| Q1 25 | $122.8M | $238.0M | ||
| Q4 24 | $125.1M | $215.0M | ||
| Q3 24 | $124.8M | $178.7M | ||
| Q2 24 | $118.8M | $175.1M | ||
| Q1 24 | $111.9M | $184.7M |
净利润PMTSPRGS
| Q4 25 | $7.3M | $25.7M | ||
| Q3 25 | $2.3M | $19.4M | ||
| Q2 25 | $518.0K | $17.0M | ||
| Q1 25 | $4.8M | $10.9M | ||
| Q4 24 | $6.8M | $1.1M | ||
| Q3 24 | $1.3M | $28.5M | ||
| Q2 24 | $6.0M | $16.2M | ||
| Q1 24 | $5.5M | $22.6M |
毛利率PMTSPRGS
| Q4 25 | 31.5% | 81.6% | ||
| Q3 25 | 29.7% | 81.0% | ||
| Q2 25 | 30.9% | 80.1% | ||
| Q1 25 | 33.2% | 80.6% | ||
| Q4 24 | 34.1% | 83.0% | ||
| Q3 24 | 35.8% | 83.7% | ||
| Q2 24 | 35.7% | 81.7% | ||
| Q1 24 | 37.1% | 82.2% |
营业利润率PMTSPRGS
| Q4 25 | 12.0% | 15.2% | ||
| Q3 25 | 9.4% | 17.6% | ||
| Q2 25 | 7.3% | 16.3% | ||
| Q1 25 | 11.5% | 13.6% | ||
| Q4 24 | 12.7% | 10.0% | ||
| Q3 24 | 14.3% | 22.6% | ||
| Q2 24 | 12.5% | 15.5% | ||
| Q1 24 | 12.6% | 19.0% |
净利率PMTSPRGS
| Q4 25 | 4.8% | 10.2% | ||
| Q3 25 | 1.7% | 7.8% | ||
| Q2 25 | 0.4% | 7.2% | ||
| Q1 25 | 3.9% | 4.6% | ||
| Q4 24 | 5.4% | 0.5% | ||
| Q3 24 | 1.0% | 15.9% | ||
| Q2 24 | 5.1% | 9.2% | ||
| Q1 24 | 4.9% | 12.3% |
每股收益（稀释后）PMTSPRGS
| Q4 25 | $0.62 | $0.59 | ||
| Q3 25 | $0.19 | $0.44 | ||
| Q2 25 | $0.04 | $0.39 | ||
| Q1 25 | $0.40 | $0.24 | ||
| Q4 24 | $0.56 | $0.01 | ||
| Q3 24 | $0.11 | $0.65 | ||
| Q2 24 | $0.51 | $0.37 | ||
| Q1 24 | $0.46 | $0.51 |
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 | $21.7M | $94.8M |
| 总债务越低越好 | $286.7M | $1.4B |
| 股东权益账面价值 | $-17.3M | $478.3M |
| 总资产 | $403.2M | $2.5B |
| 负债/权益比越低杠杆越低 | — | 2.93× |
8季度趋势，按日历期对齐
现金及短期投资PMTSPRGS
| Q4 25 | $21.7M | $94.8M | ||
| Q3 25 | $16.0M | $99.0M | ||
| Q2 25 | $17.1M | $102.0M | ||
| Q1 25 | $31.5M | $124.2M | ||
| Q4 24 | $33.5M | $118.1M | ||
| Q3 24 | $14.7M | $232.7M | ||
| Q2 24 | $7.5M | $190.4M | ||
| Q1 24 | $17.1M | $133.2M |
总债务PMTSPRGS
| Q4 25 | $286.7M | $1.4B | ||
| Q3 25 | $308.4M | $1.4B | ||
| Q2 25 | $310.9M | $1.5B | ||
| Q1 25 | $280.7M | $1.5B | ||
| Q4 24 | $280.4M | $1.5B | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — | ||
| Q1 24 | $265.3M | — |
股东权益PMTSPRGS
| Q4 25 | $-17.3M | $478.3M | ||
| Q3 25 | $-25.7M | $477.7M | ||
| Q2 25 | $-29.0M | $452.7M | ||
| Q1 25 | $-29.7M | $431.8M | ||
| Q4 24 | $-35.6M | $438.8M | ||
| Q3 24 | $-42.8M | $425.6M | ||
| Q2 24 | $-44.6M | $401.7M | ||
| Q1 24 | $-48.5M | $461.7M |
总资产PMTSPRGS
| Q4 25 | $403.2M | $2.5B | ||
| Q3 25 | $407.1M | $2.4B | ||
| Q2 25 | $399.8M | $2.4B | ||
| Q1 25 | $351.9M | $2.5B | ||
| Q4 24 | $349.7M | $2.5B | ||
| Q3 24 | $342.3M | $1.6B | ||
| Q2 24 | $321.4M | $1.6B | ||
| Q1 24 | $319.8M | $1.5B |
负债/权益比PMTSPRGS
| Q4 25 | — | 2.93× | ||
| Q3 25 | — | 2.97× | ||
| Q2 25 | — | 3.22× | ||
| Q1 25 | — | 3.50× | ||
| Q4 24 | — | 3.48× | ||
| 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 | $39.6M | $62.8M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $59.9M |
| 自由现金流率自由现金流/营收 | 23.0% | 23.7% |
| 资本支出强度资本支出/营收 | 2.9% | 1.1% |
| 现金转化率经营现金流/净利润 | 5.39× | 2.44× |
| 过去12个月自由现金流最近4个季度 | $41.3M | $229.5M |
8季度趋势，按日历期对齐
经营现金流PMTSPRGS
| Q4 25 | $39.6M | $62.8M | ||
| Q3 25 | $10.0M | $73.4M | ||
| Q2 25 | $4.3M | $30.0M | ||
| Q1 25 | $5.6M | $68.9M | ||
| Q4 24 | $26.7M | $19.7M | ||
| Q3 24 | $12.5M | $57.7M | ||
| Q2 24 | $-4.8M | $63.7M | ||
| Q1 24 | $8.9M | $70.5M |
自由现金流PMTSPRGS
| Q4 25 | $35.2M | $59.9M | ||
| Q3 25 | $5.3M | $72.4M | ||
| Q2 25 | $533.0K | $29.5M | ||
| Q1 25 | $292.0K | $67.7M | ||
| Q4 24 | $21.6M | $16.8M | ||
| Q3 24 | $11.1M | $56.6M | ||
| Q2 24 | $-6.0M | $62.7M | ||
| Q1 24 | $7.4M | $70.2M |
自由现金流率PMTSPRGS
| Q4 25 | 23.0% | 23.7% | ||
| Q3 25 | 3.8% | 29.0% | ||
| Q2 25 | 0.4% | 12.4% | ||
| Q1 25 | 0.2% | 28.4% | ||
| Q4 24 | 17.3% | 7.8% | ||
| Q3 24 | 8.9% | 31.7% | ||
| Q2 24 | -5.0% | 35.8% | ||
| Q1 24 | 6.6% | 38.0% |
资本支出强度PMTSPRGS
| Q4 25 | 2.9% | 1.1% | ||
| Q3 25 | 3.4% | 0.4% | ||
| Q2 25 | 2.9% | 0.2% | ||
| Q1 25 | 4.3% | 0.5% | ||
| Q4 24 | 4.0% | 1.3% | ||
| Q3 24 | 1.2% | 0.6% | ||
| Q2 24 | 1.0% | 0.5% | ||
| Q1 24 | 1.3% | 0.2% |
现金转化率PMTSPRGS
| Q4 25 | 5.39× | 2.44× | ||
| Q3 25 | 4.32× | 3.78× | ||
| Q2 25 | 8.39× | 1.76× | ||
| Q1 25 | 1.17× | 6.30× | ||
| Q4 24 | 3.94× | 17.13× | ||
| Q3 24 | 9.70× | 2.03× | ||
| Q2 24 | -0.79× | 3.93× | ||
| Q1 24 | 1.63× | 3.11× |
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
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
PRGS
| Maintenanceand Services | $187.5M | 74% |
| Share File Acquisition | $67.5M | 27% |
