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CPI Card Group Inc.（PMTS）与null（SWIM）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null的1.5倍（$153.1M vs $100.0M），CPI Card Group Inc.净利率更高（4.8% vs -7.0%，领先11.8%），CPI Card Group Inc.同比增速更快（22.3% vs 14.5%），CPI Card Group Inc.自由现金流更多（$35.2M vs $14.1M），过去两年CPI Card Group Inc.的营收复合增速更高（16.9% vs -4.9%）
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。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
PMTS vs SWIM — 直观对比
营收规模更大
PMTS
是对方的1.5倍
$100.0M
营收增速更快
PMTS
高出7.8%
14.5%
净利率更高
PMTS
高出11.8%
-7.0%
自由现金流更多
PMTS
多$21.1M
$14.1M
两年增速更快
PMTS
近两年复合增速
-4.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $153.1M | $100.0M |
| 净利润 | $7.3M | $-7.0M |
| 毛利率 | 31.5% | 28.0% |
| 营业利润率 | 12.0% | -10.7% |
| 净利率 | 4.8% | -7.0% |
| 营收同比 | 22.3% | 14.5% |
| 净利润同比 | 8.5% | 76.0% |
| 每股收益（稀释后） | $0.62 | $-0.06 |
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PMTSSWIM
| Q4 25 | $153.1M | $100.0M | ||
| Q3 25 | $138.0M | $161.9M | ||
| Q2 25 | $129.8M | $172.6M | ||
| Q1 25 | $122.8M | $111.4M | ||
| Q4 24 | $125.1M | $87.3M | ||
| Q3 24 | $124.8M | $150.5M | ||
| Q2 24 | $118.8M | $160.1M | ||
| Q1 24 | $111.9M | $110.6M |
净利润PMTSSWIM
| Q4 25 | $7.3M | $-7.0M | ||
| Q3 25 | $2.3M | $8.1M | ||
| Q2 25 | $518.0K | $16.0M | ||
| Q1 25 | $4.8M | $-6.0M | ||
| Q4 24 | $6.8M | $-29.2M | ||
| Q3 24 | $1.3M | $5.9M | ||
| Q2 24 | $6.0M | $13.3M | ||
| Q1 24 | $5.5M | $-7.9M |
毛利率PMTSSWIM
| Q4 25 | 31.5% | 28.0% | ||
| Q3 25 | 29.7% | 35.4% | ||
| Q2 25 | 30.9% | 37.1% | ||
| Q1 25 | 33.2% | 29.5% | ||
| Q4 24 | 34.1% | 24.6% | ||
| Q3 24 | 35.8% | 32.4% | ||
| Q2 24 | 35.7% | 33.1% | ||
| Q1 24 | 37.1% | 27.7% |
营业利润率PMTSSWIM
| Q4 25 | 12.0% | -10.7% | ||
| Q3 25 | 9.4% | 13.3% | ||
| Q2 25 | 7.3% | 14.3% | ||
| Q1 25 | 11.5% | -4.4% | ||
| Q4 24 | 12.7% | -14.9% | ||
| Q3 24 | 14.3% | 8.9% | ||
| Q2 24 | 12.5% | 12.5% | ||
| Q1 24 | 12.6% | -1.9% |
净利率PMTSSWIM
| Q4 25 | 4.8% | -7.0% | ||
| Q3 25 | 1.7% | 5.0% | ||
| Q2 25 | 0.4% | 9.3% | ||
| Q1 25 | 3.9% | -5.4% | ||
| Q4 24 | 5.4% | -33.4% | ||
| Q3 24 | 1.0% | 3.9% | ||
| Q2 24 | 5.1% | 8.3% | ||
| Q1 24 | 4.9% | -7.1% |
每股收益（稀释后）PMTSSWIM
| Q4 25 | $0.62 | $-0.06 | ||
| Q3 25 | $0.19 | $0.07 | ||
| Q2 25 | $0.04 | $0.13 | ||
| Q1 25 | $0.40 | $-0.05 | ||
| Q4 24 | $0.56 | $-0.24 | ||
| Q3 24 | $0.11 | $0.05 | ||
| Q2 24 | $0.51 | $0.11 | ||
| Q1 24 | $0.46 | $-0.07 |
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 | — |
| 总债务越低越好 | $286.7M | $279.8M |
| 股东权益账面价值 | $-17.3M | $405.9M |
| 总资产 | $403.2M | $823.2M |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资PMTSSWIM
| Q4 25 | $21.7M | — | ||
| Q3 25 | $16.0M | — | ||
| Q2 25 | $17.1M | — | ||
| Q1 25 | $31.5M | — | ||
| Q4 24 | $33.5M | — | ||
| Q3 24 | $14.7M | — | ||
| Q2 24 | $7.5M | — | ||
| Q1 24 | $17.1M | — |
总债务PMTSSWIM
| Q4 25 | $286.7M | $279.8M | ||
| Q3 25 | $308.4M | $281.1M | ||
| Q2 25 | $310.9M | $281.5M | ||
| Q1 25 | $280.7M | $306.9M | ||
| Q4 24 | $280.4M | $281.5M | ||
| Q3 24 | $280.2M | $282.8M | ||
| Q2 24 | $269.7M | $282.4M | ||
| Q1 24 | $265.3M | $282.8M |
股东权益PMTSSWIM
| Q4 25 | $-17.3M | $405.9M | ||
| Q3 25 | $-25.7M | $408.4M | ||
| Q2 25 | $-29.0M | $398.4M | ||
| Q1 25 | $-29.7M | $381.1M | ||
| Q4 24 | $-35.6M | $387.2M | ||
| Q3 24 | $-42.8M | $416.6M | ||
| Q2 24 | $-44.6M | $408.1M | ||
| Q1 24 | $-48.5M | $391.8M |
总资产PMTSSWIM
| Q4 25 | $403.2M | $823.2M | ||
| Q3 25 | $407.1M | $844.4M | ||
| Q2 25 | $399.8M | $822.1M | ||
| Q1 25 | $351.9M | $824.6M | ||
| Q4 24 | $349.7M | $794.2M | ||
| Q3 24 | $342.3M | $853.4M | ||
| Q2 24 | $321.4M | $830.0M | ||
| Q1 24 | $319.8M | $808.6M |
负债/权益比PMTSSWIM
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× | ||
| Q1 24 | — | 0.72× |
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 | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $14.1M |
| 自由现金流率自由现金流/营收 | 23.0% | 14.1% |
| 资本支出强度资本支出/营收 | 2.9% | 9.2% |
| 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 | $38.0M |
8季度趋势，按日历期对齐
经营现金流PMTSSWIM
| Q4 25 | $39.6M | $23.3M | ||
| Q3 25 | $10.0M | $51.0M | ||
| Q2 25 | $4.3M | $36.0M | ||
| Q1 25 | $5.6M | $-46.9M | ||
| Q4 24 | $26.7M | $6.2M | ||
| Q3 24 | $12.5M | $37.2M | ||
| Q2 24 | $-4.8M | $52.4M | ||
| Q1 24 | $8.9M | $-34.5M |
自由现金流PMTSSWIM
| Q4 25 | $35.2M | $14.1M | ||
| Q3 25 | $5.3M | $45.2M | ||
| Q2 25 | $533.0K | $29.1M | ||
| Q1 25 | $292.0K | $-50.3M | ||
| Q4 24 | $21.6M | $-98.0K | ||
| Q3 24 | $11.1M | $33.2M | ||
| Q2 24 | $-6.0M | $47.9M | ||
| Q1 24 | $7.4M | $-39.9M |
自由现金流率PMTSSWIM
| Q4 25 | 23.0% | 14.1% | ||
| Q3 25 | 3.8% | 27.9% | ||
| Q2 25 | 0.4% | 16.8% | ||
| Q1 25 | 0.2% | -45.2% | ||
| Q4 24 | 17.3% | -0.1% | ||
| Q3 24 | 8.9% | 22.1% | ||
| Q2 24 | -5.0% | 29.9% | ||
| Q1 24 | 6.6% | -36.0% |
资本支出强度PMTSSWIM
| Q4 25 | 2.9% | 9.2% | ||
| Q3 25 | 3.4% | 3.6% | ||
| Q2 25 | 2.9% | 4.0% | ||
| Q1 25 | 4.3% | 3.1% | ||
| Q4 24 | 4.0% | 7.2% | ||
| Q3 24 | 1.2% | 2.7% | ||
| Q2 24 | 1.0% | 2.8% | ||
| Q1 24 | 1.3% | 4.8% |
现金转化率PMTSSWIM
| Q4 25 | 5.39× | — | ||
| Q3 25 | 4.32× | 6.29× | ||
| Q2 25 | 8.39× | 2.25× | ||
| Q1 25 | 1.17× | — | ||
| Q4 24 | 3.94× | — | ||
| Q3 24 | 9.70× | 6.32× | ||
| Q2 24 | -0.79× | 3.95× | ||
| 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% |
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
