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ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与BayCom Corp（BCML）财务数据对比。点击上方公司名可切换其他公司
ALTISOURCE PORTFOLIO SOLUTIONS S.A.的季度营收约是BayCom Corp的1.6倍（$42.3M vs $25.9M），BayCom Corp净利率更高（26.5% vs -16.8%，领先43.3%），BayCom Corp同比增速更快（9.4% vs 3.2%），BayCom Corp自由现金流更多（$30.1M vs $-525.0K），过去两年ALTISOURCE PORTFOLIO SOLUTIONS S.A.的营收复合增速更高（3.6% vs 2.9%）
Altisource Portfolio Solutions S.A.是面向抵押贷款、房地产及消费金融领域的全球服务商，为贷款机构、服务商、投资者等市场参与者提供技术、数据与运营解决方案，优化资产管理、房产交易等业务流程，提升客户运营效率。
BayCom Corp是总部位于美国的银行控股公司，旗下拥有海湾商业银行，主要服务北加州地区的中小微企业与零售客户，提供商业贷款、存款产品、个人银行、财富管理等多元金融服务，深耕本土社区金融市场。
ASPS vs BCML — 直观对比
营收规模更大
ASPS
是对方的1.6倍
$25.9M
营收增速更快
BCML
高出6.2%
3.2%
净利率更高
BCML
高出43.3%
-16.8%
自由现金流更多
BCML
多$30.6M
$-525.0K
两年增速更快
ASPS
近两年复合增速
2.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $25.9M |
| 净利润 | $-7.1M | $6.9M |
| 毛利率 | 26.5% | — |
| 营业利润率 | -15.5% | 36.6% |
| 净利率 | -16.8% | 26.5% |
| 营收同比 | 3.2% | 9.4% |
| 净利润同比 | 18.2% | 12.1% |
| 每股收益（稀释后） | $-1.02 | $0.63 |
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ASPSBCML
| Q4 25 | $42.3M | $25.9M | ||
| Q3 25 | $41.9M | $25.7M | ||
| Q2 25 | $43.3M | $24.7M | ||
| Q1 25 | $43.4M | $24.3M | ||
| Q4 24 | $41.0M | $23.7M | ||
| Q3 24 | $40.5M | $25.6M | ||
| Q2 24 | $39.1M | $23.8M | ||
| Q1 24 | $39.5M | $24.5M |
净利润ASPSBCML
| Q4 25 | $-7.1M | $6.9M | ||
| Q3 25 | $-2.3M | $5.0M | ||
| Q2 25 | $16.7M | $6.4M | ||
| Q1 25 | $-5.3M | $5.7M | ||
| Q4 24 | $-8.7M | $6.1M | ||
| Q3 24 | $-9.3M | $6.0M | ||
| Q2 24 | $-8.3M | $5.6M | ||
| Q1 24 | $-9.2M | $5.9M |
毛利率ASPSBCML
| Q4 25 | 26.5% | — | ||
| Q3 25 | 27.1% | — | ||
| Q2 25 | 30.1% | — | ||
| Q1 25 | 30.7% | — | ||
| Q4 24 | 30.3% | — | ||
| Q3 24 | 29.8% | — | ||
| Q2 24 | 32.5% | — | ||
| Q1 24 | 31.2% | — |
营业利润率ASPSBCML
| Q4 25 | -15.5% | 36.6% | ||
| Q3 25 | 1.2% | 26.3% | ||
| Q2 25 | 7.5% | 35.3% | ||
| Q1 25 | 7.5% | 31.6% | ||
| Q4 24 | 1.4% | 34.2% | ||
| Q3 24 | 2.7% | 32.4% | ||
| Q2 24 | 5.3% | 31.9% | ||
| Q1 24 | -1.4% | 33.3% |
净利率ASPSBCML
| Q4 25 | -16.8% | 26.5% | ||
| Q3 25 | -5.5% | 19.5% | ||
| Q2 25 | 38.5% | 25.8% | ||
| Q1 25 | -12.1% | 23.4% | ||
| Q4 24 | -21.3% | 25.9% | ||
| Q3 24 | -23.0% | 23.5% | ||
| Q2 24 | -21.1% | 23.6% | ||
| Q1 24 | -23.2% | 24.0% |
每股收益（稀释后）ASPSBCML
| Q4 25 | $-1.02 | $0.63 | ||
| Q3 25 | $-0.22 | $0.46 | ||
| Q2 25 | $1.48 | $0.58 | ||
| Q1 25 | $-0.09 | $0.51 | ||
| Q4 24 | $-4.72 | $0.55 | ||
| Q3 24 | $-2.61 | $0.54 | ||
| Q2 24 | $-2.33 | $0.50 | ||
| Q1 24 | $-0.33 | $0.51 |
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 | $26.6M | — |
| 总债务越低越好 | $191.1M | — |
| 股东权益账面价值 | $-110.2M | $338.6M |
| 总资产 | $139.8M | $2.6B |
| 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ASPSBCML
| Q4 25 | $26.6M | — | ||
| Q3 25 | $28.6M | — | ||
| Q2 25 | $30.0M | — | ||
| Q1 25 | $30.8M | — | ||
| Q4 24 | $29.8M | — | ||
| Q3 24 | $28.3M | — | ||
| Q2 24 | $29.7M | — | ||
| Q1 24 | $29.6M | — |
总债务ASPSBCML
| Q4 25 | $191.1M | — | ||
| Q3 25 | $192.5M | — | ||
| Q2 25 | $193.9M | — | ||
| Q1 25 | $195.0M | — | ||
| Q4 24 | $230.5M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ASPSBCML
| Q4 25 | $-110.2M | $338.6M | ||
| Q3 25 | $-104.2M | $334.3M | ||
| Q2 25 | $-102.7M | $330.6M | ||
| Q1 25 | $-119.8M | $329.3M | ||
| Q4 24 | $-157.4M | $324.4M | ||
| Q3 24 | $-149.4M | $321.7M | ||
| Q2 24 | $-140.8M | $315.3M | ||
| Q1 24 | $-133.3M | $314.2M |
总资产ASPSBCML
| Q4 25 | $139.8M | $2.6B | ||
| Q3 25 | $139.9M | $2.6B | ||
| Q2 25 | $142.9M | $2.6B | ||
| Q1 25 | $145.7M | $2.6B | ||
| Q4 24 | $143.6M | $2.7B | ||
| Q3 24 | $144.5M | $2.6B | ||
| Q2 24 | $146.6M | $2.6B | ||
| Q1 24 | $148.9M | $2.6B |
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 | $-505.0K | $31.8M |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | $30.1M |
| 自由现金流率自由现金流/营收 | -1.2% | 116.2% |
| 资本支出强度资本支出/营收 | 0.0% | 6.7% |
| 现金转化率经营现金流/净利润 | — | 4.64× |
| 过去12个月自由现金流最近4个季度 | $-5.1M | $51.1M |
8季度趋势，按日历期对齐
经营现金流ASPSBCML
| Q4 25 | $-505.0K | $31.8M | ||
| Q3 25 | $718.0K | $7.3M | ||
| Q2 25 | $-306.0K | $6.4M | ||
| Q1 25 | $-5.0M | $9.3M | ||
| Q4 24 | $-1.4M | $30.4M | ||
| Q3 24 | $-1.6M | $9.6M | ||
| Q2 24 | $180.0K | $7.7M | ||
| Q1 24 | $-2.2M | $5.1M |
自由现金流ASPSBCML
| Q4 25 | $-525.0K | $30.1M | ||
| Q3 25 | $697.0K | $6.2M | ||
| Q2 25 | $-309.0K | $5.6M | ||
| Q1 25 | $-5.0M | $9.1M | ||
| Q4 24 | $-1.4M | $28.7M | ||
| Q3 24 | — | $9.4M | ||
| Q2 24 | — | $7.4M | ||
| Q1 24 | — | $3.9M |
自由现金流率ASPSBCML
| Q4 25 | -1.2% | 116.2% | ||
| Q3 25 | 1.7% | 24.3% | ||
| Q2 25 | -0.7% | 22.8% | ||
| Q1 25 | -11.5% | 37.6% | ||
| Q4 24 | -3.4% | 121.1% | ||
| Q3 24 | — | 36.6% | ||
| Q2 24 | — | 31.2% | ||
| Q1 24 | — | 16.1% |
资本支出强度ASPSBCML
| Q4 25 | 0.0% | 6.7% | ||
| Q3 25 | 0.1% | 4.3% | ||
| Q2 25 | 0.0% | 3.0% | ||
| Q1 25 | 0.1% | 0.6% | ||
| Q4 24 | 0.0% | 7.2% | ||
| Q3 24 | 0.0% | 1.0% | ||
| Q2 24 | 0.0% | 1.0% | ||
| Q1 24 | 0.0% | 4.7% |
现金转化率ASPSBCML
| Q4 25 | — | 4.64× | ||
| Q3 25 | — | 1.47× | ||
| Q2 25 | -0.02× | 1.00× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 4.96× | ||
| Q3 24 | — | 1.60× | ||
| Q2 24 | — | 1.37× | ||
| Q1 24 | — | 0.86× |
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
ASPS
| Services | $39.9M | 94% |
| Revenue Relatedto Technology Platformsand Professional Services | $2.4M | 6% |
BCML
暂无分部数据
