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CPI Card Group Inc.（PMTS）与WSFS FINANCIAL CORP（WSFS）财务数据对比。点击上方公司名可切换其他公司
WSFS FINANCIAL CORP的季度营收约是CPI Card Group Inc.的1.8倍（$275.3M vs $153.1M），WSFS FINANCIAL CORP净利率更高（31.5% vs 4.8%，领先26.7%），CPI Card Group Inc.同比增速更快（22.3% vs 7.5%），过去两年CPI Card Group Inc.的营收复合增速更高（16.9% vs 1.7%）
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。
WSFS金融集团是一家金融服务企业，核心子公司WSFS银行是总部位于特拉华州及大特拉华谷地区规模最大、经营历史最久的本地管理银行与财富管理机构。集团共运营115个网点，其中88个为银行网点，分布在宾夕法尼亚、特拉华、新泽西、佛罗里达、弗吉尼亚、内华达六州，提供全面金融服务。
PMTS vs WSFS — 直观对比
营收规模更大
WSFS
是对方的1.8倍
$153.1M
营收增速更快
PMTS
高出14.9%
7.5%
净利率更高
WSFS
高出26.7%
4.8%
两年增速更快
PMTS
近两年复合增速
1.7%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $153.1M | $275.3M |
| 净利润 | $7.3M | $86.8M |
| 毛利率 | 31.5% | — |
| 营业利润率 | 12.0% | — |
| 净利率 | 4.8% | 31.5% |
| 营收同比 | 22.3% | 7.5% |
| 净利润同比 | 8.5% | 31.7% |
| 每股收益（稀释后） | $0.62 | $1.64 |
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PMTSWSFS
| Q1 26 | — | $275.3M | ||
| Q4 25 | $153.1M | $271.9M | ||
| Q3 25 | $138.0M | $270.5M | ||
| Q2 25 | $129.8M | $267.5M | ||
| Q1 25 | $122.8M | $256.1M | ||
| Q4 24 | $125.1M | $261.5M | ||
| Q3 24 | $124.8M | $267.7M | ||
| Q2 24 | $118.8M | $266.0M |
净利润PMTSWSFS
| Q1 26 | — | $86.8M | ||
| Q4 25 | $7.3M | $72.7M | ||
| Q3 25 | $2.3M | $76.4M | ||
| Q2 25 | $518.0K | $72.3M | ||
| Q1 25 | $4.8M | $65.9M | ||
| Q4 24 | $6.8M | $64.2M | ||
| Q3 24 | $1.3M | $64.4M | ||
| Q2 24 | $6.0M | $69.3M |
毛利率PMTSWSFS
| Q1 26 | — | — | ||
| Q4 25 | 31.5% | — | ||
| Q3 25 | 29.7% | — | ||
| Q2 25 | 30.9% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 34.1% | — | ||
| Q3 24 | 35.8% | — | ||
| Q2 24 | 35.7% | — |
营业利润率PMTSWSFS
| Q1 26 | — | — | ||
| Q4 25 | 12.0% | 35.8% | ||
| Q3 25 | 9.4% | 37.3% | ||
| Q2 25 | 7.3% | 35.7% | ||
| Q1 25 | 11.5% | 34.0% | ||
| Q4 24 | 12.7% | 32.3% | ||
| Q3 24 | 14.3% | 31.9% | ||
| Q2 24 | 12.5% | 34.0% |
净利率PMTSWSFS
| Q1 26 | — | 31.5% | ||
| Q4 25 | 4.8% | 26.7% | ||
| Q3 25 | 1.7% | 28.3% | ||
| Q2 25 | 0.4% | 27.0% | ||
| Q1 25 | 3.9% | 25.7% | ||
| Q4 24 | 5.4% | 24.6% | ||
| Q3 24 | 1.0% | 24.1% | ||
| Q2 24 | 5.1% | 26.0% |
每股收益（稀释后）PMTSWSFS
| Q1 26 | — | $1.64 | ||
| Q4 25 | $0.62 | $1.33 | ||
| Q3 25 | $0.19 | $1.37 | ||
| Q2 25 | $0.04 | $1.27 | ||
| Q1 25 | $0.40 | $1.12 | ||
| Q4 24 | $0.56 | $1.08 | ||
| Q3 24 | $0.11 | $1.08 | ||
| Q2 24 | $0.51 | $1.16 |
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 | — |
| 股东权益账面价值 | $-17.3M | $2.7B |
| 总资产 | $403.2M | $22.1B |
| 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PMTSWSFS
| Q1 26 | — | — | ||
| Q4 25 | $21.7M | $1.7B | ||
| Q3 25 | $16.0M | — | ||
| Q2 25 | $17.1M | — | ||
| Q1 25 | $31.5M | — | ||
| Q4 24 | $33.5M | $1.2B | ||
| Q3 24 | $14.7M | — | ||
| Q2 24 | $7.5M | — |
总债务PMTSWSFS
| Q1 26 | — | — | ||
| 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 | — |
股东权益PMTSWSFS
| Q1 26 | — | $2.7B | ||
| Q4 25 | $-17.3M | $2.7B | ||
| Q3 25 | $-25.7M | $2.8B | ||
| Q2 25 | $-29.0M | $2.7B | ||
| Q1 25 | $-29.7M | $2.7B | ||
| Q4 24 | $-35.6M | $2.6B | ||
| Q3 24 | $-42.8M | $2.7B | ||
| Q2 24 | $-44.6M | $2.5B |
总资产PMTSWSFS
| Q1 26 | — | $22.1B | ||
| Q4 25 | $403.2M | $21.3B | ||
| Q3 25 | $407.1M | $20.8B | ||
| Q2 25 | $399.8M | $20.8B | ||
| Q1 25 | $351.9M | $20.5B | ||
| Q4 24 | $349.7M | $20.8B | ||
| Q3 24 | $342.3M | $20.9B | ||
| Q2 24 | $321.4M | $20.7B |
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 | — |
| 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× | — |
| 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PMTSWSFS
| Q1 26 | — | — | ||
| Q4 25 | $39.6M | $220.0M | ||
| Q3 25 | $10.0M | $121.5M | ||
| Q2 25 | $4.3M | $37.2M | ||
| Q1 25 | $5.6M | $8.7M | ||
| Q4 24 | $26.7M | $219.9M | ||
| Q3 24 | $12.5M | $3.1M | ||
| Q2 24 | $-4.8M | $44.8M |
自由现金流PMTSWSFS
| Q1 26 | — | — | ||
| Q4 25 | $35.2M | $213.6M | ||
| Q3 25 | $5.3M | $120.3M | ||
| Q2 25 | $533.0K | $35.2M | ||
| Q1 25 | $292.0K | $6.3M | ||
| Q4 24 | $21.6M | $205.6M | ||
| Q3 24 | $11.1M | $-489.0K | ||
| Q2 24 | $-6.0M | $42.1M |
自由现金流率PMTSWSFS
| Q1 26 | — | — | ||
| Q4 25 | 23.0% | 78.6% | ||
| Q3 25 | 3.8% | 44.5% | ||
| Q2 25 | 0.4% | 13.2% | ||
| Q1 25 | 0.2% | 2.5% | ||
| Q4 24 | 17.3% | 78.6% | ||
| Q3 24 | 8.9% | -0.2% | ||
| Q2 24 | -5.0% | 15.8% |
资本支出强度PMTSWSFS
| Q1 26 | — | — | ||
| Q4 25 | 2.9% | 2.3% | ||
| Q3 25 | 3.4% | 0.5% | ||
| Q2 25 | 2.9% | 0.7% | ||
| Q1 25 | 4.3% | 0.9% | ||
| Q4 24 | 4.0% | 5.5% | ||
| Q3 24 | 1.2% | 1.4% | ||
| Q2 24 | 1.0% | 1.0% |
现金转化率PMTSWSFS
| Q1 26 | — | — | ||
| Q4 25 | 5.39× | 3.03× | ||
| Q3 25 | 4.32× | 1.59× | ||
| Q2 25 | 8.39× | 0.51× | ||
| Q1 25 | 1.17× | 0.13× | ||
| Q4 24 | 3.94× | 3.43× | ||
| Q3 24 | 9.70× | 0.05× | ||
| Q2 24 | -0.79× | 0.65× |
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% |
WSFS
暂无分部数据
