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ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与First Bancorp, Inc（FNLC）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First Bancorp, Inc的1.6倍（$42.3M vs $25.8M），First Bancorp, Inc净利率更高（39.4% vs -16.8%，领先56.2%），First Bancorp, Inc同比增速更快（17.5% vs 3.2%），First Bancorp, Inc自由现金流更多（$34.6M vs $-525.0K），过去两年First Bancorp, Inc的营收复合增速更高（18.1% 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。
第一银行公司（First Bancorp, Inc）是一家银行控股公司，其核心业务通过总部位于康涅狄格州斯坦福的爱国者国家银行（Patriot Bank NA）开展，相关 banking 业务也以PNBK代码在纳斯达克挂牌交易。
ASPS vs FNLC — 直观对比
营收规模更大
ASPS
是对方的1.6倍
$25.8M
营收增速更快
FNLC
高出14.3%
3.2%
净利率更高
FNLC
高出56.2%
-16.8%
自由现金流更多
FNLC
多$35.1M
$-525.0K
两年增速更快
FNLC
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $25.8M |
| 净利润 | $-7.1M | $10.2M |
| 毛利率 | 26.5% | — |
| 营业利润率 | -15.5% | 48.1% |
| 净利率 | -16.8% | 39.4% |
| 营收同比 | 3.2% | 17.5% |
| 净利润同比 | 18.2% | 39.7% |
| 每股收益（稀释后） | $-1.02 | $0.91 |
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ASPSFNLC
| Q4 25 | $42.3M | $25.8M | ||
| Q3 25 | $41.9M | $24.5M | ||
| Q2 25 | $43.3M | $22.5M | ||
| Q1 25 | $43.4M | $21.8M | ||
| Q4 24 | $41.0M | $22.0M | ||
| Q3 24 | $40.5M | $20.5M | ||
| Q2 24 | $39.1M | $19.2M | ||
| Q1 24 | $39.5M | $18.5M |
净利润ASPSFNLC
| Q4 25 | $-7.1M | $10.2M | ||
| Q3 25 | $-2.3M | $9.1M | ||
| Q2 25 | $16.7M | $8.1M | ||
| Q1 25 | $-5.3M | $7.1M | ||
| Q4 24 | $-8.7M | $7.3M | ||
| Q3 24 | $-9.3M | $7.6M | ||
| Q2 24 | $-8.3M | $6.2M | ||
| Q1 24 | $-9.2M | $6.0M |
毛利率ASPSFNLC
| 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ASPSFNLC
| Q4 25 | -15.5% | 48.1% | ||
| Q3 25 | 1.2% | 45.2% | ||
| Q2 25 | 7.5% | 43.7% | ||
| Q1 25 | 7.5% | 39.3% | ||
| Q4 24 | 1.4% | 39.5% | ||
| Q3 24 | 2.7% | 44.6% | ||
| Q2 24 | 5.3% | 38.8% | ||
| Q1 24 | -1.4% | 39.3% |
净利率ASPSFNLC
| Q4 25 | -16.8% | 39.4% | ||
| Q3 25 | -5.5% | 37.0% | ||
| Q2 25 | 38.5% | 35.8% | ||
| Q1 25 | -12.1% | 32.5% | ||
| Q4 24 | -21.3% | 33.1% | ||
| Q3 24 | -23.0% | 36.9% | ||
| Q2 24 | -21.1% | 32.1% | ||
| Q1 24 | -23.2% | 32.5% |
每股收益（稀释后）ASPSFNLC
| Q4 25 | $-1.02 | $0.91 | ||
| Q3 25 | $-0.22 | $0.81 | ||
| Q2 25 | $1.48 | $0.72 | ||
| Q1 25 | $-0.09 | $0.63 | ||
| Q4 24 | $-4.72 | $0.66 | ||
| Q3 24 | $-2.61 | $0.68 | ||
| Q2 24 | $-2.33 | $0.55 | ||
| Q1 24 | $-0.33 | $0.54 |
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 | $95.5M |
| 股东权益账面价值 | $-110.2M | $283.1M |
| 总资产 | $139.8M | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.34× |
8季度趋势，按日历期对齐
现金及短期投资ASPSFNLC
| 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ASPSFNLC
| Q4 25 | $191.1M | $95.5M | ||
| Q3 25 | $192.5M | $95.5M | ||
| Q2 25 | $193.9M | $95.0M | ||
| Q1 25 | $195.0M | $70.0M | ||
| Q4 24 | $230.5M | $95.0M | ||
| Q3 24 | — | $95.0M | ||
| Q2 24 | — | $70.0M | ||
| Q1 24 | — | $70.0M |
股东权益ASPSFNLC
| Q4 25 | $-110.2M | $283.1M | ||
| Q3 25 | $-104.2M | $274.6M | ||
| Q2 25 | $-102.7M | $265.5M | ||
| Q1 25 | $-119.8M | $259.7M | ||
| Q4 24 | $-157.4M | $252.5M | ||
| Q3 24 | $-149.4M | $256.8M | ||
| Q2 24 | $-140.8M | $244.7M | ||
| Q1 24 | $-133.3M | $242.6M |
总资产ASPSFNLC
| Q4 25 | $139.8M | $3.2B | ||
| Q3 25 | $139.9M | $3.2B | ||
| Q2 25 | $142.9M | $3.2B | ||
| Q1 25 | $145.7M | $3.2B | ||
| Q4 24 | $143.6M | $3.2B | ||
| Q3 24 | $144.5M | $3.1B | ||
| Q2 24 | $146.6M | $3.1B | ||
| Q1 24 | $148.9M | $3.0B |
负债/权益比ASPSFNLC
| Q4 25 | — | 0.34× | ||
| Q3 25 | — | 0.35× | ||
| Q2 25 | — | 0.36× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.38× | ||
| Q3 24 | — | 0.37× | ||
| Q2 24 | — | 0.29× | ||
| Q1 24 | — | 0.29× |
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 | $37.8M |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | $34.6M |
| 自由现金流率自由现金流/营收 | -1.2% | 133.9% |
| 资本支出强度资本支出/营收 | 0.0% | 12.5% |
| 现金转化率经营现金流/净利润 | — | 3.72× |
| 过去12个月自由现金流最近4个季度 | $-5.1M | $55.3M |
8季度趋势，按日历期对齐
经营现金流ASPSFNLC
| Q4 25 | $-505.0K | $37.8M | ||
| Q3 25 | $718.0K | $12.9M | ||
| Q2 25 | $-306.0K | $7.4M | ||
| Q1 25 | $-5.0M | $2.2M | ||
| Q4 24 | $-1.4M | $26.0M | ||
| Q3 24 | $-1.6M | $9.8M | ||
| Q2 24 | $180.0K | $6.4M | ||
| Q1 24 | $-2.2M | $-1.5M |
自由现金流ASPSFNLC
| Q4 25 | $-525.0K | $34.6M | ||
| Q3 25 | $697.0K | $12.6M | ||
| Q2 25 | $-309.0K | $7.2M | ||
| Q1 25 | $-5.0M | $828.0K | ||
| Q4 24 | $-1.4M | $24.6M | ||
| Q3 24 | — | $9.6M | ||
| Q2 24 | — | $6.3M | ||
| Q1 24 | — | $-1.8M |
自由现金流率ASPSFNLC
| Q4 25 | -1.2% | 133.9% | ||
| Q3 25 | 1.7% | 51.4% | ||
| Q2 25 | -0.7% | 32.1% | ||
| Q1 25 | -11.5% | 3.8% | ||
| Q4 24 | -3.4% | 111.7% | ||
| Q3 24 | — | 47.0% | ||
| Q2 24 | — | 32.9% | ||
| Q1 24 | — | -9.8% |
资本支出强度ASPSFNLC
| Q4 25 | 0.0% | 12.5% | ||
| Q3 25 | 0.1% | 1.2% | ||
| Q2 25 | 0.0% | 0.6% | ||
| Q1 25 | 0.1% | 6.2% | ||
| Q4 24 | 0.0% | 6.7% | ||
| Q3 24 | 0.0% | 0.5% | ||
| Q2 24 | 0.0% | 0.3% | ||
| Q1 24 | 0.0% | 1.8% |
现金转化率ASPSFNLC
| Q4 25 | — | 3.72× | ||
| Q3 25 | — | 1.42× | ||
| Q2 25 | -0.02× | 0.91× | ||
| Q1 25 | — | 0.31× | ||
| Q4 24 | — | 3.58× | ||
| Q3 24 | — | 1.29× | ||
| Q2 24 | — | 1.03× | ||
| Q1 24 | — | -0.25× |
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% |
FNLC
暂无分部数据
