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CPI Card Group Inc.（PMTS）与BRC Group Holdings, Inc.（RILY）财务数据对比。点击上方公司名可切换其他公司
BRC Group Holdings, Inc.的季度营收约是CPI Card Group Inc.的1.2倍（$188.3M vs $153.1M），BRC Group Holdings, Inc.净利率更高（47.9% vs 4.8%，领先43.1%），CPI Card Group Inc.同比增速更快（22.3% vs -21.9%），过去两年CPI Card Group Inc.的营收复合增速更高（16.9% vs -15.4%）
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。
PMTS vs RILY — 直观对比
营收规模更大
RILY
是对方的1.2倍
$153.1M
营收增速更快
PMTS
高出44.2%
-21.9%
净利率更高
RILY
高出43.1%
4.8%
两年增速更快
PMTS
近两年复合增速
-15.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $153.1M | $188.3M |
| 净利润 | $7.3M | $90.3M |
| 毛利率 | 31.5% | 79.5% |
| 营业利润率 | 12.0% | 32.3% |
| 净利率 | 4.8% | 47.9% |
| 营收同比 | 22.3% | -21.9% |
| 净利润同比 | 8.5% | 1710.8% |
| 每股收益（稀释后） | $0.62 | $2.78 |
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PMTSRILY
| Q4 25 | $153.1M | $188.3M | ||
| Q3 25 | $138.0M | $215.3M | ||
| Q2 25 | $129.8M | $188.2M | ||
| Q1 25 | $122.8M | $197.2M | ||
| Q4 24 | $125.1M | $241.0M | ||
| Q3 24 | $124.8M | $225.5M | ||
| Q2 24 | $118.8M | $256.0M | ||
| Q1 24 | $111.9M | $263.4M |
净利润PMTSRILY
| Q4 25 | $7.3M | $90.3M | ||
| Q3 25 | $2.3M | $91.1M | ||
| Q2 25 | $518.0K | $139.5M | ||
| Q1 25 | $4.8M | $-10.0M | ||
| Q4 24 | $6.8M | $-5.6M | ||
| Q3 24 | $1.3M | $-284.4M | ||
| Q2 24 | $6.0M | $-433.6M | ||
| Q1 24 | $5.5M | $-49.2M |
毛利率PMTSRILY
| Q4 25 | 31.5% | 79.5% | ||
| Q3 25 | 29.7% | 83.7% | ||
| Q2 25 | 30.9% | 81.3% | ||
| Q1 25 | 33.2% | 81.4% | ||
| Q4 24 | 34.1% | 79.8% | ||
| Q3 24 | 35.8% | 82.1% | ||
| Q2 24 | 35.7% | 84.5% | ||
| Q1 24 | 37.1% | 85.3% |
营业利润率PMTSRILY
| Q4 25 | 12.0% | 32.3% | ||
| Q3 25 | 9.4% | 30.4% | ||
| Q2 25 | 7.3% | 5.7% | ||
| Q1 25 | 11.5% | -31.2% | ||
| Q4 24 | 12.7% | -69.2% | ||
| Q3 24 | 14.3% | -36.4% | ||
| Q2 24 | 12.5% | -90.8% | ||
| Q1 24 | 12.6% | -6.1% |
净利率PMTSRILY
| Q4 25 | 4.8% | 47.9% | ||
| Q3 25 | 1.7% | 42.3% | ||
| Q2 25 | 0.4% | 74.1% | ||
| Q1 25 | 3.9% | -5.1% | ||
| Q4 24 | 5.4% | -2.3% | ||
| Q3 24 | 1.0% | -126.1% | ||
| Q2 24 | 5.1% | -169.4% | ||
| Q1 24 | 4.9% | -18.7% |
每股收益（稀释后）PMTSRILY
| Q4 25 | $0.62 | $2.78 | ||
| Q3 25 | $0.19 | $2.91 | ||
| Q2 25 | $0.04 | $4.50 | ||
| Q1 25 | $0.40 | $-0.39 | ||
| Q4 24 | $0.56 | $-0.01 | ||
| Q3 24 | $0.11 | $-9.39 | ||
| Q2 24 | $0.51 | $-14.35 | ||
| Q1 24 | $0.46 | $-1.71 |
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 | $226.6M |
| 总债务越低越好 | $286.7M | $1.4B |
| 股东权益账面价值 | $-17.3M | $-171.5M |
| 总资产 | $403.2M | $1.7B |
| 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PMTSRILY
| Q4 25 | $21.7M | $226.6M | ||
| Q3 25 | $16.0M | $184.2M | ||
| Q2 25 | $17.1M | $267.4M | ||
| Q1 25 | $31.5M | $138.3M | ||
| Q4 24 | $33.5M | $146.9M | ||
| Q3 24 | $14.7M | $159.2M | ||
| Q2 24 | $7.5M | $236.9M | ||
| Q1 24 | $17.1M | $190.7M |
总债务PMTSRILY
| Q4 25 | $286.7M | $1.4B | ||
| Q3 25 | $308.4M | $1.3B | ||
| Q2 25 | $310.9M | $1.3B | ||
| Q1 25 | $280.7M | $1.4B | ||
| Q4 24 | $280.4M | $1.5B | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — | ||
| Q1 24 | $265.3M | — |
股东权益PMTSRILY
| Q4 25 | $-17.3M | $-171.5M | ||
| Q3 25 | $-25.7M | $-260.5M | ||
| Q2 25 | $-29.0M | $-351.7M | ||
| Q1 25 | $-29.7M | $-496.8M | ||
| Q4 24 | $-35.6M | $-488.2M | ||
| Q3 24 | $-42.8M | $-497.6M | ||
| Q2 24 | $-44.6M | $-218.3M | ||
| Q1 24 | $-48.5M | $228.4M |
总资产PMTSRILY
| Q4 25 | $403.2M | $1.7B | ||
| Q3 25 | $407.1M | $1.7B | ||
| Q2 25 | $399.8M | $1.5B | ||
| Q1 25 | $351.9M | $1.5B | ||
| Q4 24 | $349.7M | $1.8B | ||
| Q3 24 | $342.3M | $2.2B | ||
| Q2 24 | $321.4M | $3.2B | ||
| Q1 24 | $319.8M | $5.0B |
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 | $26.2M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | — |
| 自由现金流率自由现金流/营收 | 23.0% | — |
| 资本支出强度资本支出/营收 | 2.9% | — |
| 现金转化率经营现金流/净利润 | 5.39× | 0.29× |
| 过去12个月自由现金流最近4个季度 | $41.3M | — |
8季度趋势，按日历期对齐
经营现金流PMTSRILY
| Q4 25 | $39.6M | $26.2M | ||
| Q3 25 | $10.0M | $-60.6M | ||
| Q2 25 | $4.3M | $-25.6M | ||
| Q1 25 | $5.6M | $184.0K | ||
| Q4 24 | $26.7M | $-2.7M | ||
| Q3 24 | $12.5M | $19.5M | ||
| Q2 24 | $-4.8M | $111.5M | ||
| Q1 24 | $8.9M | $135.4M |
自由现金流PMTSRILY
| Q4 25 | $35.2M | — | ||
| Q3 25 | $5.3M | — | ||
| Q2 25 | $533.0K | — | ||
| Q1 25 | $292.0K | — | ||
| Q4 24 | $21.6M | — | ||
| Q3 24 | $11.1M | — | ||
| Q2 24 | $-6.0M | — | ||
| Q1 24 | $7.4M | — |
自由现金流率PMTSRILY
| Q4 25 | 23.0% | — | ||
| Q3 25 | 3.8% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 17.3% | — | ||
| Q3 24 | 8.9% | — | ||
| Q2 24 | -5.0% | — | ||
| Q1 24 | 6.6% | — |
资本支出强度PMTSRILY
| Q4 25 | 2.9% | — | ||
| Q3 25 | 3.4% | — | ||
| Q2 25 | 2.9% | — | ||
| Q1 25 | 4.3% | — | ||
| Q4 24 | 4.0% | — | ||
| Q3 24 | 1.2% | — | ||
| Q2 24 | 1.0% | — | ||
| Q1 24 | 1.3% | — |
现金转化率PMTSRILY
| Q4 25 | 5.39× | 0.29× | ||
| Q3 25 | 4.32× | -0.66× | ||
| Q2 25 | 8.39× | -0.18× | ||
| Q1 25 | 1.17× | — | ||
| Q4 24 | 3.94× | — | ||
| Q3 24 | 9.70× | — | ||
| Q2 24 | -0.79× | — | ||
| Q1 24 | 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
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
RILY
| Transferred At Point In Time | $101.4M | 54% |
| Wealth Management Segment | $30.7M | 16% |
| Corporate Finance Consulting And Investment Banking Fees | $27.1M | 14% |
| Services And Fees | $24.8M | 13% |
| Commissions Fees And Reimbursed Expenses | $4.8M | 3% |
