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ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与合众银行（FSBC）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是ALTISOURCE PORTFOLIO SOLUTIONS S.A.的1.1倍（$45.1M vs $42.3M），合众银行净利率更高（41.3% vs -16.8%，领先58.1%），过去两年合众银行的营收复合增速更高（21.3% 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。
合众银行是总部设在美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行。它旗下核心运营实体为美国银行全国协会，以US Bank品牌开展业务，提供银行、投资、抵押等金融服务。
ASPS vs FSBC — 直观对比
营收规模更大
FSBC
是对方的1.1倍
$42.3M
净利率更高
FSBC
高出58.1%
-16.8%
两年增速更快
FSBC
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $45.1M |
| 净利润 | $-7.1M | $18.6M |
| 毛利率 | 26.5% | — |
| 营业利润率 | -15.5% | — |
| 净利率 | -16.8% | 41.3% |
| 营收同比 | 3.2% | — |
| 净利润同比 | 18.2% | 42.0% |
| 每股收益（稀释后） | $-1.02 | $0.87 |
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ASPSFSBC
| Q1 26 | — | $45.1M | ||
| Q4 25 | $42.3M | $43.5M | ||
| Q3 25 | $41.9M | $41.3M | ||
| Q2 25 | $43.3M | $38.3M | ||
| Q1 25 | $43.4M | $35.3M | ||
| Q4 24 | $41.0M | $35.2M | ||
| Q3 24 | $40.5M | $31.8M | ||
| Q2 24 | $39.1M | $30.7M |
净利润ASPSFSBC
| Q1 26 | — | $18.6M | ||
| Q4 25 | $-7.1M | $17.6M | ||
| Q3 25 | $-2.3M | $16.3M | ||
| Q2 25 | $16.7M | $14.5M | ||
| Q1 25 | $-5.3M | $13.1M | ||
| Q4 24 | $-8.7M | $13.3M | ||
| Q3 24 | $-9.3M | $10.9M | ||
| Q2 24 | $-8.3M | $10.8M |
毛利率ASPSFSBC
| Q1 26 | — | — | ||
| 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% | — |
营业利润率ASPSFSBC
| Q1 26 | — | — | ||
| Q4 25 | -15.5% | 52.9% | ||
| Q3 25 | 1.2% | 53.8% | ||
| Q2 25 | 7.5% | 52.4% | ||
| Q1 25 | 7.5% | 52.0% | ||
| Q4 24 | 1.4% | 55.1% | ||
| Q3 24 | 2.7% | 48.0% | ||
| Q2 24 | 5.3% | 49.4% |
净利率ASPSFSBC
| Q1 26 | — | 41.3% | ||
| Q4 25 | -16.8% | 40.6% | ||
| Q3 25 | -5.5% | 39.6% | ||
| Q2 25 | 38.5% | 37.9% | ||
| Q1 25 | -12.1% | 37.1% | ||
| Q4 24 | -21.3% | 37.9% | ||
| Q3 24 | -23.0% | 34.4% | ||
| Q2 24 | -21.1% | 35.2% |
每股收益（稀释后）ASPSFSBC
| Q1 26 | — | $0.87 | ||
| Q4 25 | $-1.02 | $0.83 | ||
| Q3 25 | $-0.22 | $0.77 | ||
| Q2 25 | $1.48 | $0.68 | ||
| Q1 25 | $-0.09 | $0.62 | ||
| Q4 24 | $-4.72 | $0.61 | ||
| Q3 24 | $-2.61 | $0.52 | ||
| Q2 24 | $-2.33 | $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 | $644.4M |
| 总债务越低越好 | $191.1M | — |
| 股东权益账面价值 | $-110.2M | $458.5M |
| 总资产 | $139.8M | $5.0B |
| 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ASPSFSBC
| Q1 26 | — | $644.4M | ||
| 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 | — |
总债务ASPSFSBC
| Q1 26 | — | — | ||
| Q4 25 | $191.1M | — | ||
| Q3 25 | $192.5M | — | ||
| Q2 25 | $193.9M | — | ||
| Q1 25 | $195.0M | — | ||
| Q4 24 | $230.5M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益ASPSFSBC
| Q1 26 | — | $458.5M | ||
| Q4 25 | $-110.2M | $445.8M | ||
| Q3 25 | $-104.2M | $431.3M | ||
| Q2 25 | $-102.7M | $416.7M | ||
| Q1 25 | $-119.8M | $406.5M | ||
| Q4 24 | $-157.4M | $396.6M | ||
| Q3 24 | $-149.4M | $389.9M | ||
| Q2 24 | $-140.8M | $380.5M |
总资产ASPSFSBC
| Q1 26 | — | $5.0B | ||
| Q4 25 | $139.8M | $4.8B | ||
| Q3 25 | $139.9M | $4.6B | ||
| Q2 25 | $142.9M | $4.4B | ||
| Q1 25 | $145.7M | $4.2B | ||
| Q4 24 | $143.6M | $4.1B | ||
| Q3 24 | $144.5M | $3.9B | ||
| Q2 24 | $146.6M | $3.6B |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | — |
| 自由现金流率自由现金流/营收 | -1.2% | — |
| 资本支出强度资本支出/营收 | 0.0% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $-5.1M | — |
8季度趋势，按日历期对齐
经营现金流ASPSFSBC
| Q1 26 | — | — | ||
| Q4 25 | $-505.0K | $72.6M | ||
| Q3 25 | $718.0K | $18.8M | ||
| Q2 25 | $-306.0K | $17.8M | ||
| Q1 25 | $-5.0M | $15.5M | ||
| Q4 24 | $-1.4M | $51.8M | ||
| Q3 24 | $-1.6M | $17.5M | ||
| Q2 24 | $180.0K | $16.0M |
自由现金流ASPSFSBC
| Q1 26 | — | — | ||
| Q4 25 | $-525.0K | $71.4M | ||
| Q3 25 | $697.0K | $18.6M | ||
| Q2 25 | $-309.0K | $17.5M | ||
| Q1 25 | $-5.0M | $15.4M | ||
| Q4 24 | $-1.4M | $51.2M | ||
| Q3 24 | — | $17.3M | ||
| Q2 24 | — | $15.8M |
自由现金流率ASPSFSBC
| Q1 26 | — | — | ||
| Q4 25 | -1.2% | 164.3% | ||
| Q3 25 | 1.7% | 45.0% | ||
| Q2 25 | -0.7% | 45.8% | ||
| Q1 25 | -11.5% | 43.5% | ||
| Q4 24 | -3.4% | 145.5% | ||
| Q3 24 | — | 54.5% | ||
| Q2 24 | — | 51.6% |
资本支出强度ASPSFSBC
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 2.8% | ||
| Q3 25 | 0.1% | 0.5% | ||
| Q2 25 | 0.0% | 0.6% | ||
| Q1 25 | 0.1% | 0.3% | ||
| Q4 24 | 0.0% | 1.8% | ||
| Q3 24 | 0.0% | 0.7% | ||
| Q2 24 | 0.0% | 0.7% |
现金转化率ASPSFSBC
| Q1 26 | — | — | ||
| Q4 25 | — | 4.12× | ||
| Q3 25 | — | 1.15× | ||
| Q2 25 | -0.02× | 1.23× | ||
| Q1 25 | — | 1.18× | ||
| Q4 24 | — | 3.89× | ||
| Q3 24 | — | 1.60× | ||
| Q2 24 | — | 1.49× |
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% |
FSBC
| Net Interest Income | $43.5M | 96% |
| Noninterest Income | $1.6M | 4% |
