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ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与FIRST UNITED CORP（FUNC）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 UNITED CORP的1.8倍（$42.3M vs $23.2M），FIRST UNITED CORP净利率更高（24.9% vs -16.8%，领先41.7%），FIRST UNITED CORP同比增速更快（11.9% vs 3.2%），FIRST UNITED CORP自由现金流更多（$15.4M vs $-525.0K），过去两年FIRST UNITED CORP的营收复合增速更高（11.5% 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。
联合啤酒控股有限公司（又称UB集团）是喜力集团旗下的印度子公司，总部位于卡纳塔克邦班加罗尔的UB城。公司核心业务涵盖酒类饮品生产及多领域投资，是印度最大的啤酒生产商，主打以翠鸟为品牌的啤酒产品，同时拥有多款其他酒类品牌。
ASPS vs FUNC — 直观对比
营收规模更大
ASPS
是对方的1.8倍
$23.2M
营收增速更快
FUNC
高出8.6%
3.2%
净利率更高
FUNC
高出41.7%
-16.8%
自由现金流更多
FUNC
多$15.9M
$-525.0K
两年增速更快
FUNC
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $23.2M |
| 净利润 | $-7.1M | $5.8M |
| 毛利率 | 26.5% | — |
| 营业利润率 | -15.5% | 32.9% |
| 净利率 | -16.8% | 24.9% |
| 营收同比 | 3.2% | 11.9% |
| 净利润同比 | 18.2% | -6.6% |
| 每股收益（稀释后） | $-1.02 | $0.89 |
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ASPSFUNC
| Q4 25 | $42.3M | $23.2M | ||
| Q3 25 | $41.9M | $22.7M | ||
| Q2 25 | $43.3M | $21.8M | ||
| Q1 25 | $43.4M | $20.9M | ||
| Q4 24 | $41.0M | $20.8M | ||
| Q3 24 | $40.5M | $20.3M | ||
| Q2 24 | $39.1M | $20.1M | ||
| Q1 24 | $39.5M | $18.7M |
净利润ASPSFUNC
| Q4 25 | $-7.1M | $5.8M | ||
| Q3 25 | $-2.3M | $6.9M | ||
| Q2 25 | $16.7M | $6.0M | ||
| Q1 25 | $-5.3M | $5.8M | ||
| Q4 24 | $-8.7M | $6.2M | ||
| Q3 24 | $-9.3M | $5.8M | ||
| Q2 24 | $-8.3M | $4.9M | ||
| Q1 24 | $-9.2M | $3.7M |
毛利率ASPSFUNC
| 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ASPSFUNC
| Q4 25 | -15.5% | 32.9% | ||
| Q3 25 | 1.2% | 40.6% | ||
| Q2 25 | 7.5% | 36.5% | ||
| Q1 25 | 7.5% | 36.8% | ||
| Q4 24 | 1.4% | 39.2% | ||
| Q3 24 | 2.7% | 38.0% | ||
| Q2 24 | 5.3% | 32.5% | ||
| Q1 24 | -1.4% | 26.0% |
净利率ASPSFUNC
| Q4 25 | -16.8% | 24.9% | ||
| Q3 25 | -5.5% | 30.6% | ||
| Q2 25 | 38.5% | 27.5% | ||
| Q1 25 | -12.1% | 27.7% | ||
| Q4 24 | -21.3% | 29.8% | ||
| Q3 24 | -23.0% | 28.5% | ||
| Q2 24 | -21.1% | 24.5% | ||
| Q1 24 | -23.2% | 19.8% |
每股收益（稀释后）ASPSFUNC
| Q4 25 | $-1.02 | $0.89 | ||
| Q3 25 | $-0.22 | $1.07 | ||
| Q2 25 | $1.48 | $0.92 | ||
| Q1 25 | $-0.09 | $0.89 | ||
| Q4 24 | $-4.72 | $0.95 | ||
| Q3 24 | $-2.61 | $0.89 | ||
| Q2 24 | $-2.33 | $0.75 | ||
| Q1 24 | $-0.33 | $0.56 |
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 | $131.6M |
| 总债务越低越好 | $191.1M | $95.9M |
| 股东权益账面价值 | $-110.2M | $203.6M |
| 总资产 | $139.8M | $2.1B |
| 负债/权益比越低杠杆越低 | — | 0.47× |
8季度趋势，按日历期对齐
现金及短期投资ASPSFUNC
| Q4 25 | $26.6M | $131.6M | ||
| Q3 25 | $28.6M | $95.2M | ||
| Q2 25 | $30.0M | $79.1M | ||
| Q1 25 | $30.8M | $84.4M | ||
| Q4 24 | $29.8M | $78.3M | ||
| Q3 24 | $28.3M | $62.4M | ||
| Q2 24 | $29.7M | $45.1M | ||
| Q1 24 | $29.6M | $86.9M |
总债务ASPSFUNC
| Q4 25 | $191.1M | $95.9M | ||
| Q3 25 | $192.5M | $95.9M | ||
| Q2 25 | $193.9M | $120.9M | ||
| Q1 25 | $195.0M | $120.9M | ||
| Q4 24 | $230.5M | $120.9M | ||
| Q3 24 | — | $120.9M | ||
| Q2 24 | — | $70.9M | ||
| Q1 24 | — | $70.9M |
股东权益ASPSFUNC
| Q4 25 | $-110.2M | $203.6M | ||
| Q3 25 | $-104.2M | $199.1M | ||
| Q2 25 | $-102.7M | $191.1M | ||
| Q1 25 | $-119.8M | $183.7M | ||
| Q4 24 | $-157.4M | $179.3M | ||
| Q3 24 | $-149.4M | $174.0M | ||
| Q2 24 | $-140.8M | $164.2M | ||
| Q1 24 | $-133.3M | $165.5M |
总资产ASPSFUNC
| Q4 25 | $139.8M | $2.1B | ||
| Q3 25 | $139.9M | $2.0B | ||
| Q2 25 | $142.9M | $2.0B | ||
| Q1 25 | $145.7M | $2.0B | ||
| Q4 24 | $143.6M | $2.0B | ||
| Q3 24 | $144.5M | $1.9B | ||
| Q2 24 | $146.6M | $1.9B | ||
| Q1 24 | $148.9M | $1.9B |
负债/权益比ASPSFUNC
| Q4 25 | — | 0.47× | ||
| Q3 25 | — | 0.48× | ||
| Q2 25 | — | 0.63× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.67× | ||
| Q3 24 | — | 0.70× | ||
| Q2 24 | — | 0.43× | ||
| Q1 24 | — | 0.43× |
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 | $19.4M |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | $15.4M |
| 自由现金流率自由现金流/营收 | -1.2% | 66.3% |
| 资本支出强度资本支出/营收 | 0.0% | 17.1% |
| 现金转化率经营现金流/净利润 | — | 3.35× |
| 过去12个月自由现金流最近4个季度 | $-5.1M | $22.7M |
8季度趋势，按日历期对齐
经营现金流ASPSFUNC
| Q4 25 | $-505.0K | $19.4M | ||
| Q3 25 | $718.0K | $1.5M | ||
| Q2 25 | $-306.0K | $995.0K | ||
| Q1 25 | $-5.0M | $7.0M | ||
| Q4 24 | $-1.4M | $22.3M | ||
| Q3 24 | $-1.6M | $2.3M | ||
| Q2 24 | $180.0K | $7.2M | ||
| Q1 24 | $-2.2M | $3.6M |
自由现金流ASPSFUNC
| Q4 25 | $-525.0K | $15.4M | ||
| Q3 25 | $697.0K | $168.0K | ||
| Q2 25 | $-309.0K | $706.0K | ||
| Q1 25 | $-5.0M | $6.4M | ||
| Q4 24 | $-1.4M | $20.4M | ||
| Q3 24 | — | $588.0K | ||
| Q2 24 | — | $7.0M | ||
| Q1 24 | — | $3.5M |
自由现金流率ASPSFUNC
| Q4 25 | -1.2% | 66.3% | ||
| Q3 25 | 1.7% | 0.7% | ||
| Q2 25 | -0.7% | 3.2% | ||
| Q1 25 | -11.5% | 30.5% | ||
| Q4 24 | -3.4% | 98.1% | ||
| Q3 24 | — | 2.9% | ||
| Q2 24 | — | 35.1% | ||
| Q1 24 | — | 18.9% |
资本支出强度ASPSFUNC
| Q4 25 | 0.0% | 17.1% | ||
| Q3 25 | 0.1% | 5.9% | ||
| Q2 25 | 0.0% | 1.3% | ||
| Q1 25 | 0.1% | 2.8% | ||
| Q4 24 | 0.0% | 9.3% | ||
| Q3 24 | 0.0% | 8.4% | ||
| Q2 24 | 0.0% | 0.6% | ||
| Q1 24 | 0.0% | 0.3% |
现金转化率ASPSFUNC
| Q4 25 | — | 3.35× | ||
| Q3 25 | — | 0.22× | ||
| Q2 25 | -0.02× | 0.17× | ||
| Q1 25 | — | 1.20× | ||
| Q4 24 | — | 3.60× | ||
| Q3 24 | — | 0.40× | ||
| Q2 24 | — | 1.46× | ||
| Q1 24 | — | 0.97× |
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% |
FUNC
| Trust Department | $9.8M | 42% |
| Other | $5.6M | 24% |
| Debit Card Income | $4.1M | 17% |
| Service Charges | $2.3M | 10% |
| Brokerage Commissions | $1.4M | 6% |
