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ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与CITIZENS FINANCIAL SERVICES INC（CZFS）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CITIZENS FINANCIAL SERVICES INC的1.4倍（$42.3M vs $29.6M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs -16.8%，领先52.3%），CITIZENS FINANCIAL SERVICES INC同比增速更快（13.0% vs 3.2%），CITIZENS FINANCIAL SERVICES INC自由现金流更多（$35.2M vs $-525.0K），过去两年CITIZENS FINANCIAL SERVICES INC的营收复合增速更高（6.9% vs 3.6%）
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。
公民金融集团是一家美国银行控股公司，总部位于罗得岛州普罗维登斯。集团旗下拥有公民银行（Citizens Bank, N.A.），业务覆盖美国康涅狄格、特拉华、佛罗里达等十余个州及华盛顿哥伦比亚特区。
ASPS vs CZFS — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $29.6M |
| 净利润 | $-7.1M | $10.5M |
| 毛利率 | 26.5% | — |
| 营业利润率 | -15.5% | 44.2% |
| 净利率 | -16.8% | 35.4% |
| 营收同比 | 3.2% | 13.0% |
| 净利润同比 | 18.2% | 31.3% |
| 每股收益（稀释后） | $-1.02 | $2.17 |
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
| Q4 25 | $42.3M | $29.6M | ||
| Q3 25 | $41.9M | $29.0M | ||
| Q2 25 | $43.3M | $27.3M | ||
| Q1 25 | $43.4M | $26.4M | ||
| Q4 24 | $41.0M | $26.2M | ||
| Q3 24 | $40.5M | $25.1M | ||
| Q2 24 | $39.1M | $24.6M | ||
| Q1 24 | $39.5M | $25.9M |
| Q4 25 | $-7.1M | $10.5M | ||
| Q3 25 | $-2.3M | $10.0M | ||
| Q2 25 | $16.7M | $8.5M | ||
| Q1 25 | $-5.3M | $7.6M | ||
| Q4 24 | $-8.7M | $8.0M | ||
| Q3 24 | $-9.3M | $7.5M | ||
| Q2 24 | $-8.3M | $5.3M | ||
| Q1 24 | $-9.2M | $7.0M |
| 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% | — |
| Q4 25 | -15.5% | 44.2% | ||
| Q3 25 | 1.2% | 42.6% | ||
| Q2 25 | 7.5% | 38.1% | ||
| Q1 25 | 7.5% | 35.5% | ||
| Q4 24 | 1.4% | 37.2% | ||
| Q3 24 | 2.7% | 36.9% | ||
| Q2 24 | 5.3% | 25.9% | ||
| Q1 24 | -1.4% | 32.8% |
| Q4 25 | -16.8% | 35.4% | ||
| Q3 25 | -5.5% | 34.5% | ||
| Q2 25 | 38.5% | 31.0% | ||
| Q1 25 | -12.1% | 28.8% | ||
| Q4 24 | -21.3% | 30.5% | ||
| Q3 24 | -23.0% | 30.0% | ||
| Q2 24 | -21.1% | 21.4% | ||
| Q1 24 | -23.2% | 27.1% |
| Q4 25 | $-1.02 | $2.17 | ||
| Q3 25 | $-0.22 | $2.09 | ||
| Q2 25 | $1.48 | $1.76 | ||
| Q1 25 | $-0.09 | $1.60 | ||
| Q4 24 | $-4.72 | $1.64 | ||
| Q3 24 | $-2.61 | $1.57 | ||
| Q2 24 | $-2.33 | $1.10 | ||
| Q1 24 | $-0.33 | $1.48 |
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 | $34.3M |
| 总债务越低越好 | $191.1M | — |
| 股东权益账面价值 | $-110.2M | $338.1M |
| 总资产 | $139.8M | $3.1B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
| Q4 25 | $26.6M | $34.3M | ||
| Q3 25 | $28.6M | $31.1M | ||
| Q2 25 | $30.0M | $49.5M | ||
| Q1 25 | $30.8M | $36.8M | ||
| Q4 24 | $29.8M | $42.2M | ||
| Q3 24 | $28.3M | $36.8M | ||
| Q2 24 | $29.7M | $38.4M | ||
| Q1 24 | $29.6M | $29.6M |
| 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 | — | — |
| Q4 25 | $-110.2M | $338.1M | ||
| Q3 25 | $-104.2M | $327.7M | ||
| Q2 25 | $-102.7M | $313.7M | ||
| Q1 25 | $-119.8M | $308.3M | ||
| Q4 24 | $-157.4M | $299.7M | ||
| Q3 24 | $-149.4M | $298.7M | ||
| Q2 24 | $-140.8M | $286.5M | ||
| Q1 24 | $-133.3M | $282.7M |
| Q4 25 | $139.8M | $3.1B | ||
| Q3 25 | $139.9M | $3.1B | ||
| Q2 25 | $142.9M | $3.0B | ||
| Q1 25 | $145.7M | $3.0B | ||
| Q4 24 | $143.6M | $3.0B | ||
| Q3 24 | $144.5M | $3.0B | ||
| Q2 24 | $146.6M | $2.9B | ||
| Q1 24 | $148.9M | $2.9B |
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 | $36.5M |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | $35.2M |
| 自由现金流率自由现金流/营收 | -1.2% | 119.0% |
| 资本支出强度资本支出/营收 | 0.0% | 4.4% |
| 现金转化率经营现金流/净利润 | — | 3.49× |
| 过去12个月自由现金流最近4个季度 | $-5.1M | $53.8M |
8季度趋势，按日历期对齐
| Q4 25 | $-505.0K | $36.5M | ||
| Q3 25 | $718.0K | $2.9M | ||
| Q2 25 | $-306.0K | $6.0M | ||
| Q1 25 | $-5.0M | $10.9M | ||
| Q4 24 | $-1.4M | $33.2M | ||
| Q3 24 | $-1.6M | $6.2M | ||
| Q2 24 | $180.0K | $3.0M | ||
| Q1 24 | $-2.2M | $13.5M |
| Q4 25 | $-525.0K | $35.2M | ||
| Q3 25 | $697.0K | $2.7M | ||
| Q2 25 | $-309.0K | $5.5M | ||
| Q1 25 | $-5.0M | $10.4M | ||
| Q4 24 | $-1.4M | $31.9M | ||
| Q3 24 | — | $5.6M | ||
| Q2 24 | — | $2.9M | ||
| Q1 24 | — | $13.4M |
| Q4 25 | -1.2% | 119.0% | ||
| Q3 25 | 1.7% | 9.4% | ||
| Q2 25 | -0.7% | 20.1% | ||
| Q1 25 | -11.5% | 39.2% | ||
| Q4 24 | -3.4% | 121.6% | ||
| Q3 24 | — | 22.3% | ||
| Q2 24 | — | 11.8% | ||
| Q1 24 | — | 51.5% |
| Q4 25 | 0.0% | 4.4% | ||
| Q3 25 | 0.1% | 0.5% | ||
| Q2 25 | 0.0% | 1.8% | ||
| Q1 25 | 0.1% | 2.2% | ||
| Q4 24 | 0.0% | 5.0% | ||
| Q3 24 | 0.0% | 2.5% | ||
| Q2 24 | 0.0% | 0.5% | ||
| Q1 24 | 0.0% | 0.4% |
| Q4 25 | — | 3.49× | ||
| Q3 25 | — | 0.29× | ||
| Q2 25 | -0.02× | 0.71× | ||
| Q1 25 | — | 1.44× | ||
| Q4 24 | — | 4.16× | ||
| Q3 24 | — | 0.83× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 1.92× |
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% |
CZFS
暂无分部数据
