vs
CPI Card Group Inc.（PMTS）与RESOURCES CONNECTION, INC.（RGP）财务数据对比。点击上方公司名可切换其他公司
CPI Card Group Inc.的季度营收约是RESOURCES CONNECTION, INC.的1.3倍（$153.1M vs $117.7M），CPI Card Group Inc.净利率更高（4.8% vs -10.8%，领先15.6%），CPI Card Group Inc.同比增速更快（22.3% vs -19.2%），CPI Card Group Inc.自由现金流更多（$35.2M vs $15.6M），过去两年CPI Card Group Inc.的营收复合增速更高（16.9% vs -11.8%）
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。
RGP原名 Resources Global Professionals，是 Resources Connection, Inc. 的核心运营主体，面向全球客户提供多领域专业咨询服务，覆盖财务会计、信息管理、治理风险合规、人力资本、法务监管、企业咨询与重组、战略传播以及供应链管理等板块。
PMTS vs RGP — 直观对比
营收规模更大
PMTS
是对方的1.3倍
$117.7M
营收增速更快
PMTS
高出41.5%
-19.2%
净利率更高
PMTS
高出15.6%
-10.8%
自由现金流更多
PMTS
多$19.6M
$15.6M
两年增速更快
PMTS
近两年复合增速
-11.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $153.1M | $117.7M |
| 净利润 | $7.3M | $-12.7M |
| 毛利率 | 31.5% | 37.1% |
| 营业利润率 | 12.0% | -10.3% |
| 净利率 | 4.8% | -10.8% |
| 营收同比 | 22.3% | -19.2% |
| 净利润同比 | 8.5% | 81.6% |
| 每股收益（稀释后） | $0.62 | $-0.38 |
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PMTSRGP
| Q4 25 | $153.1M | $117.7M | ||
| Q3 25 | $138.0M | $120.2M | ||
| Q2 25 | $129.8M | $139.3M | ||
| Q1 25 | $122.8M | $129.4M | ||
| Q4 24 | $125.1M | $145.6M | ||
| Q3 24 | $124.8M | $136.9M | ||
| Q2 24 | $118.8M | $148.2M | ||
| Q1 24 | $111.9M | $151.3M |
净利润PMTSRGP
| Q4 25 | $7.3M | $-12.7M | ||
| Q3 25 | $2.3M | $-2.4M | ||
| Q2 25 | $518.0K | $-73.3M | ||
| Q1 25 | $4.8M | $-44.1M | ||
| Q4 24 | $6.8M | $-68.7M | ||
| Q3 24 | $1.3M | $-5.7M | ||
| Q2 24 | $6.0M | $10.5M | ||
| Q1 24 | $5.5M | $2.5M |
毛利率PMTSRGP
| Q4 25 | 31.5% | 37.1% | ||
| Q3 25 | 29.7% | 39.5% | ||
| Q2 25 | 30.9% | 40.2% | ||
| Q1 25 | 33.2% | 35.1% | ||
| Q4 24 | 34.1% | 38.5% | ||
| Q3 24 | 35.8% | 36.5% | ||
| Q2 24 | 35.7% | 40.2% | ||
| Q1 24 | 37.1% | 37.0% |
营业利润率PMTSRGP
| Q4 25 | 12.0% | -10.3% | ||
| Q3 25 | 9.4% | -1.7% | ||
| Q2 25 | 7.3% | -47.0% | ||
| Q1 25 | 11.5% | -38.4% | ||
| Q4 24 | 12.7% | -52.7% | ||
| Q3 24 | 14.3% | -3.5% | ||
| Q2 24 | 12.5% | 7.6% | ||
| Q1 24 | 12.6% | 2.8% |
净利率PMTSRGP
| Q4 25 | 4.8% | -10.8% | ||
| Q3 25 | 1.7% | -2.0% | ||
| Q2 25 | 0.4% | -52.6% | ||
| Q1 25 | 3.9% | -34.0% | ||
| Q4 24 | 5.4% | -47.2% | ||
| Q3 24 | 1.0% | -4.2% | ||
| Q2 24 | 5.1% | 7.1% | ||
| Q1 24 | 4.9% | 1.7% |
每股收益（稀释后）PMTSRGP
| Q4 25 | $0.62 | $-0.38 | ||
| Q3 25 | $0.19 | $-0.07 | ||
| Q2 25 | $0.04 | $-2.21 | ||
| Q1 25 | $0.40 | $-1.34 | ||
| Q4 24 | $0.56 | $-2.08 | ||
| Q3 24 | $0.11 | $-0.17 | ||
| Q2 24 | $0.51 | $0.31 | ||
| Q1 24 | $0.46 | $0.08 |
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 | $89.8M |
| 总债务越低越好 | $286.7M | — |
| 股东权益账面价值 | $-17.3M | $194.6M |
| 总资产 | $403.2M | $289.3M |
| 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PMTSRGP
| Q4 25 | $21.7M | $89.8M | ||
| Q3 25 | $16.0M | $77.5M | ||
| Q2 25 | $17.1M | $86.1M | ||
| Q1 25 | $31.5M | $72.5M | ||
| Q4 24 | $33.5M | $78.2M | ||
| Q3 24 | $14.7M | $89.6M | ||
| Q2 24 | $7.5M | $108.9M | ||
| Q1 24 | $17.1M | $113.8M |
总债务PMTSRGP
| Q4 25 | $286.7M | — | ||
| Q3 25 | $308.4M | — | ||
| Q2 25 | $310.9M | — | ||
| Q1 25 | $280.7M | — | ||
| Q4 24 | $280.4M | — | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — | ||
| Q1 24 | $265.3M | — |
股东权益PMTSRGP
| Q4 25 | $-17.3M | $194.6M | ||
| Q3 25 | $-25.7M | $206.4M | ||
| Q2 25 | $-29.0M | $207.1M | ||
| Q1 25 | $-29.7M | $277.8M | ||
| Q4 24 | $-35.6M | $325.7M | ||
| Q3 24 | $-42.8M | $407.2M | ||
| Q2 24 | $-44.6M | $418.8M | ||
| Q1 24 | $-48.5M | $414.9M |
总资产PMTSRGP
| Q4 25 | $403.2M | $289.3M | ||
| Q3 25 | $407.1M | $287.2M | ||
| Q2 25 | $399.8M | $304.7M | ||
| Q1 25 | $351.9M | $375.6M | ||
| Q4 24 | $349.7M | $424.9M | ||
| Q3 24 | $342.3M | $512.9M | ||
| Q2 24 | $321.4M | $510.9M | ||
| Q1 24 | $319.8M | $523.2M |
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 | $15.9M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $15.6M |
| 自由现金流率自由现金流/营收 | 23.0% | 13.2% |
| 资本支出强度资本支出/营收 | 2.9% | 0.3% |
| 现金转化率经营现金流/净利润 | 5.39× | — |
| 过去12个月自由现金流最近4个季度 | $41.3M | $24.3M |
8季度趋势，按日历期对齐
经营现金流PMTSRGP
| Q4 25 | $39.6M | $15.9M | ||
| Q3 25 | $10.0M | $-7.8M | ||
| Q2 25 | $4.3M | $16.8M | ||
| Q1 25 | $5.6M | $659.0K | ||
| Q4 24 | $26.7M | $1.8M | ||
| Q3 24 | $12.5M | $-309.0K | ||
| Q2 24 | $-4.8M | $3.2M | ||
| Q1 24 | $8.9M | $20.5M |
自由现金流PMTSRGP
| Q4 25 | $35.2M | $15.6M | ||
| Q3 25 | $5.3M | $-8.0M | ||
| Q2 25 | $533.0K | $16.5M | ||
| Q1 25 | $292.0K | $238.0K | ||
| Q4 24 | $21.6M | $61.0K | ||
| Q3 24 | $11.1M | $-575.0K | ||
| Q2 24 | $-6.0M | $3.0M | ||
| Q1 24 | $7.4M | $20.4M |
自由现金流率PMTSRGP
| Q4 25 | 23.0% | 13.2% | ||
| Q3 25 | 3.8% | -6.6% | ||
| Q2 25 | 0.4% | 11.8% | ||
| Q1 25 | 0.2% | 0.2% | ||
| Q4 24 | 17.3% | 0.0% | ||
| Q3 24 | 8.9% | -0.4% | ||
| Q2 24 | -5.0% | 2.1% | ||
| Q1 24 | 6.6% | 13.5% |
资本支出强度PMTSRGP
| Q4 25 | 2.9% | 0.3% | ||
| Q3 25 | 3.4% | 0.1% | ||
| Q2 25 | 2.9% | 0.2% | ||
| Q1 25 | 4.3% | 0.3% | ||
| Q4 24 | 4.0% | 1.2% | ||
| Q3 24 | 1.2% | 0.2% | ||
| Q2 24 | 1.0% | 0.1% | ||
| Q1 24 | 1.3% | 0.1% |
现金转化率PMTSRGP
| Q4 25 | 5.39× | — | ||
| Q3 25 | 4.32× | — | ||
| Q2 25 | 8.39× | — | ||
| Q1 25 | 1.17× | — | ||
| Q4 24 | 3.94× | — | ||
| Q3 24 | 9.70× | — | ||
| Q2 24 | -0.79× | 0.30× | ||
| Q1 24 | 1.63× | 8.04× |
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% |
RGP
| US | $93.7M | 80% |
| Non Us | $24.0M | 20% |
