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CPI Card Group Inc.（PMTS）与GIBRALTAR INDUSTRIES, INC.（ROCK）财务数据对比。点击上方公司名可切换其他公司
GIBRALTAR INDUSTRIES, INC.的季度营收约是CPI Card Group Inc.的1.5倍（$225.0M vs $153.1M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 22.3%），CPI Card Group Inc.自由现金流更多（$35.2M vs $26.2M），过去两年CPI Card Group Inc.的营收复合增速更高（16.9% vs -12.3%）
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。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
PMTS vs ROCK — 直观对比
营收规模更大
ROCK
是对方的1.5倍
$153.1M
营收增速更快
ROCK
高出2.6%
22.3%
自由现金流更多
PMTS
多$9.0M
$26.2M
两年增速更快
PMTS
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $153.1M | $225.0M |
| 净利润 | $7.3M | — |
| 毛利率 | 31.5% | 25.3% |
| 营业利润率 | 12.0% | 7.9% |
| 净利率 | 4.8% | — |
| 营收同比 | 22.3% | 24.9% |
| 净利润同比 | 8.5% | — |
| 每股收益（稀释后） | $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PMTSROCK
| Q4 25 | $153.1M | $225.0M | ||
| Q3 25 | $138.0M | $310.9M | ||
| Q2 25 | $129.8M | $309.5M | ||
| Q1 25 | $122.8M | $290.0M | ||
| Q4 24 | $125.1M | $180.1M | ||
| Q3 24 | $124.8M | $277.1M | ||
| Q2 24 | $118.8M | $273.6M | ||
| Q1 24 | $111.9M | $292.5M |
净利润PMTSROCK
| Q4 25 | $7.3M | — | ||
| Q3 25 | $2.3M | $-89.1M | ||
| Q2 25 | $518.0K | $26.0M | ||
| Q1 25 | $4.8M | $21.1M | ||
| Q4 24 | $6.8M | — | ||
| Q3 24 | $1.3M | $34.0M | ||
| Q2 24 | $6.0M | $32.2M | ||
| Q1 24 | $5.5M | $24.9M |
毛利率PMTSROCK
| Q4 25 | 31.5% | 25.3% | ||
| Q3 25 | 29.7% | 26.6% | ||
| Q2 25 | 30.9% | 28.4% | ||
| Q1 25 | 33.2% | 26.8% | ||
| Q4 24 | 34.1% | 29.0% | ||
| Q3 24 | 35.8% | 29.4% | ||
| Q2 24 | 35.7% | 30.5% | ||
| Q1 24 | 37.1% | 28.9% |
营业利润率PMTSROCK
| Q4 25 | 12.0% | 7.9% | ||
| Q3 25 | 9.4% | 12.8% | ||
| Q2 25 | 7.3% | 12.8% | ||
| Q1 25 | 11.5% | 8.8% | ||
| Q4 24 | 12.7% | 13.3% | ||
| Q3 24 | 14.3% | 15.6% | ||
| Q2 24 | 12.5% | 14.9% | ||
| Q1 24 | 12.6% | 10.8% |
净利率PMTSROCK
| Q4 25 | 4.8% | — | ||
| Q3 25 | 1.7% | -28.6% | ||
| Q2 25 | 0.4% | 8.4% | ||
| Q1 25 | 3.9% | 7.3% | ||
| Q4 24 | 5.4% | — | ||
| Q3 24 | 1.0% | 12.3% | ||
| Q2 24 | 5.1% | 11.8% | ||
| Q1 24 | 4.9% | 8.5% |
每股收益（稀释后）PMTSROCK
| Q4 25 | $0.62 | — | ||
| Q3 25 | $0.19 | $-2.98 | ||
| Q2 25 | $0.04 | $0.87 | ||
| Q1 25 | $0.40 | — | ||
| Q4 24 | $0.56 | — | ||
| Q3 24 | $0.11 | $1.11 | ||
| Q2 24 | $0.51 | $1.05 | ||
| Q1 24 | $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 | $21.7M | $115.7M |
| 总债务越低越好 | $286.7M | $0 |
| 股东权益账面价值 | $-17.3M | $950.4M |
| 总资产 | $403.2M | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资PMTSROCK
| Q4 25 | $21.7M | $115.7M | ||
| Q3 25 | $16.0M | $89.4M | ||
| Q2 25 | $17.1M | $43.3M | ||
| Q1 25 | $31.5M | $25.1M | ||
| Q4 24 | $33.5M | $269.5M | ||
| Q3 24 | $14.7M | $228.9M | ||
| Q2 24 | $7.5M | $179.1M | ||
| Q1 24 | $17.1M | $146.7M |
总债务PMTSROCK
| Q4 25 | $286.7M | $0 | ||
| Q3 25 | $308.4M | $0 | ||
| Q2 25 | $310.9M | $0 | ||
| Q1 25 | $280.7M | $0 | ||
| Q4 24 | $280.4M | $0 | ||
| Q3 24 | $280.2M | $0 | ||
| Q2 24 | $269.7M | $0 | ||
| Q1 24 | $265.3M | $0 |
股东权益PMTSROCK
| Q4 25 | $-17.3M | $950.4M | ||
| Q3 25 | $-25.7M | $951.8M | ||
| Q2 25 | $-29.0M | $1.0B | ||
| Q1 25 | $-29.7M | $1.0B | ||
| Q4 24 | $-35.6M | $1.0B | ||
| Q3 24 | $-42.8M | $1.0B | ||
| Q2 24 | $-44.6M | $975.7M | ||
| Q1 24 | $-48.5M | $940.2M |
总资产PMTSROCK
| Q4 25 | $403.2M | $1.4B | ||
| Q3 25 | $407.1M | $1.4B | ||
| Q2 25 | $399.8M | $1.5B | ||
| Q1 25 | $351.9M | $1.4B | ||
| Q4 24 | $349.7M | $1.4B | ||
| Q3 24 | $342.3M | $1.4B | ||
| Q2 24 | $321.4M | $1.4B | ||
| Q1 24 | $319.8M | $1.3B |
负债/权益比PMTSROCK
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 0.00× |
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 | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $26.2M |
| 自由现金流率自由现金流/营收 | 23.0% | 11.7% |
| 资本支出强度资本支出/营收 | 2.9% | 4.1% |
| 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 | $120.6M |
8季度趋势，按日历期对齐
经营现金流PMTSROCK
| Q4 25 | $39.6M | $35.5M | ||
| Q3 25 | $10.0M | $73.0M | ||
| Q2 25 | $4.3M | $44.9M | ||
| Q1 25 | $5.6M | $13.7M | ||
| Q4 24 | $26.7M | $19.9M | ||
| Q3 24 | $12.5M | $64.7M | ||
| Q2 24 | $-4.8M | $36.5M | ||
| Q1 24 | $8.9M | $53.2M |
自由现金流PMTSROCK
| Q4 25 | $35.2M | $26.2M | ||
| Q3 25 | $5.3M | $64.8M | ||
| Q2 25 | $533.0K | $27.3M | ||
| Q1 25 | $292.0K | $2.3M | ||
| Q4 24 | $21.6M | $14.1M | ||
| Q3 24 | $11.1M | $60.5M | ||
| Q2 24 | $-6.0M | $33.5M | ||
| Q1 24 | $7.4M | $48.8M |
自由现金流率PMTSROCK
| Q4 25 | 23.0% | 11.7% | ||
| Q3 25 | 3.8% | 20.8% | ||
| Q2 25 | 0.4% | 8.8% | ||
| Q1 25 | 0.2% | 0.8% | ||
| Q4 24 | 17.3% | 7.8% | ||
| Q3 24 | 8.9% | 21.8% | ||
| Q2 24 | -5.0% | 12.2% | ||
| Q1 24 | 6.6% | 16.7% |
资本支出强度PMTSROCK
| Q4 25 | 2.9% | 4.1% | ||
| Q3 25 | 3.4% | 2.6% | ||
| Q2 25 | 2.9% | 5.7% | ||
| Q1 25 | 4.3% | 3.9% | ||
| Q4 24 | 4.0% | 3.3% | ||
| Q3 24 | 1.2% | 1.5% | ||
| Q2 24 | 1.0% | 1.1% | ||
| Q1 24 | 1.3% | 1.5% |
现金转化率PMTSROCK
| Q4 25 | 5.39× | — | ||
| Q3 25 | 4.32× | — | ||
| Q2 25 | 8.39× | 1.73× | ||
| Q1 25 | 1.17× | 0.65× | ||
| Q4 24 | 3.94× | — | ||
| Q3 24 | 9.70× | 1.90× | ||
| Q2 24 | -0.79× | 1.13× | ||
| Q1 24 | 1.63× | 2.13× |
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% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
