vs
ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与HERITAGE COMMERCE CORP（HTBK）财务数据对比。点击上方公司名可切换其他公司
HERITAGE COMMERCE CORP的季度营收约是ALTISOURCE PORTFOLIO SOLUTIONS S.A.的1.3倍（$53.6M vs $42.3M），HERITAGE COMMERCE CORP净利率更高（28.2% vs -16.8%，领先45.0%），HERITAGE COMMERCE CORP同比增速更快（15.6% vs 3.2%），HERITAGE COMMERCE CORP自由现金流更多（$61.3M vs $-525.0K），过去两年HERITAGE COMMERCE CORP的营收复合增速更高（12.8% 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。
本文介绍的企业主体信息与内容描述不符，描述内容实际为美国商会，该商会成立于1912年4月23日，是美国规模最大的游说类商业协会 advocacy 团体，成立之初得益于时任总统威廉·霍华德·塔夫脱与劳工商务部长查尔斯·内格尔推动，旨在代表工商界发声。
ASPS vs HTBK — 直观对比
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $53.6M |
| 净利润 | $-7.1M | $15.1M |
| 毛利率 | 26.5% | — |
| 营业利润率 | -15.5% | 41.0% |
| 净利率 | -16.8% | 28.2% |
| 营收同比 | 3.2% | 15.6% |
| 净利润同比 | 18.2% | 42.3% |
| 每股收益（稀释后） | $-1.02 | $0.25 |
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 | $53.6M | ||
| Q3 25 | $41.9M | $50.0M | ||
| Q2 25 | $43.3M | $47.8M | ||
| Q1 25 | $43.4M | $46.1M | ||
| Q4 24 | $41.0M | $46.4M | ||
| Q3 24 | $40.5M | $42.2M | ||
| Q2 24 | $39.1M | $41.7M | ||
| Q1 24 | $39.5M | $42.1M |
| Q4 25 | $-7.1M | $15.1M | ||
| Q3 25 | $-2.3M | $14.7M | ||
| Q2 25 | $16.7M | $6.4M | ||
| Q1 25 | $-5.3M | $11.6M | ||
| Q4 24 | $-8.7M | $10.6M | ||
| Q3 24 | $-9.3M | $10.5M | ||
| Q2 24 | $-8.3M | $9.2M | ||
| Q1 24 | $-9.2M | $10.2M |
| 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% | 41.0% | ||
| Q3 25 | 1.2% | 41.1% | ||
| Q2 25 | 7.5% | 18.7% | ||
| Q1 25 | 7.5% | 35.4% | ||
| Q4 24 | 1.4% | 31.8% | ||
| Q3 24 | 2.7% | 34.3% | ||
| Q2 24 | 5.3% | 31.3% | ||
| Q1 24 | -1.4% | 34.2% |
| Q4 25 | -16.8% | 28.2% | ||
| Q3 25 | -5.5% | 29.4% | ||
| Q2 25 | 38.5% | 13.4% | ||
| Q1 25 | -12.1% | 25.2% | ||
| Q4 24 | -21.3% | 22.9% | ||
| Q3 24 | -23.0% | 24.9% | ||
| Q2 24 | -21.1% | 22.1% | ||
| Q1 24 | -23.2% | 24.1% |
| Q4 25 | $-1.02 | $0.25 | ||
| Q3 25 | $-0.22 | $0.24 | ||
| Q2 25 | $1.48 | $0.10 | ||
| Q1 25 | $-0.09 | $0.19 | ||
| Q4 24 | $-4.72 | $0.17 | ||
| Q3 24 | $-2.61 | $0.17 | ||
| Q2 24 | $-2.33 | $0.15 | ||
| Q1 24 | $-0.33 | $0.17 |
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 | $708.6M |
| 总资产 | $139.8M | $5.8B |
| 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 | — | ||
| 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 | — |
| 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 | $708.6M | ||
| Q3 25 | $-104.2M | $700.0M | ||
| Q2 25 | $-102.7M | $694.7M | ||
| Q1 25 | $-119.8M | $696.2M | ||
| Q4 24 | $-157.4M | $689.7M | ||
| Q3 24 | $-149.4M | $685.4M | ||
| Q2 24 | $-140.8M | $679.2M | ||
| Q1 24 | $-133.3M | $676.3M |
| Q4 25 | $139.8M | $5.8B | ||
| Q3 25 | $139.9M | $5.6B | ||
| Q2 25 | $142.9M | $5.5B | ||
| Q1 25 | $145.7M | $5.5B | ||
| Q4 24 | $143.6M | $5.6B | ||
| Q3 24 | $144.5M | $5.6B | ||
| Q2 24 | $146.6M | $5.3B | ||
| Q1 24 | $148.9M | $5.3B |
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 | $61.7M |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | $61.3M |
| 自由现金流率自由现金流/营收 | -1.2% | 114.3% |
| 资本支出强度资本支出/营收 | 0.0% | 0.7% |
| 现金转化率经营现金流/净利润 | — | 4.08× |
| 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
| Q4 25 | $-505.0K | $61.7M | ||
| Q3 25 | $718.0K | $18.9M | ||
| Q2 25 | $-306.0K | $8.0M | ||
| Q1 25 | $-5.0M | $14.8M | ||
| Q4 24 | $-1.4M | $39.0M | ||
| Q3 24 | $-1.6M | $5.3M | ||
| Q2 24 | $180.0K | $10.5M | ||
| Q1 24 | $-2.2M | $7.3M |
| Q4 25 | $-525.0K | $61.3M | ||
| Q3 25 | $697.0K | $18.8M | ||
| Q2 25 | $-309.0K | — | ||
| Q1 25 | $-5.0M | — | ||
| Q4 24 | $-1.4M | $37.3M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $9.9M | ||
| Q1 24 | — | $6.9M |
| Q4 25 | -1.2% | 114.3% | ||
| Q3 25 | 1.7% | 37.7% | ||
| Q2 25 | -0.7% | — | ||
| Q1 25 | -11.5% | — | ||
| Q4 24 | -3.4% | 80.5% | ||
| Q3 24 | — | 11.6% | ||
| Q2 24 | — | 23.6% | ||
| Q1 24 | — | 16.4% |
| Q4 25 | 0.0% | 0.7% | ||
| Q3 25 | 0.1% | 0.1% | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.0% | 3.5% | ||
| Q3 24 | 0.0% | 1.0% | ||
| Q2 24 | 0.0% | 1.6% | ||
| Q1 24 | 0.0% | 1.0% |
| Q4 25 | — | 4.08× | ||
| Q3 25 | — | 1.28× | ||
| Q2 25 | -0.02× | 1.25× | ||
| Q1 25 | — | 1.28× | ||
| Q4 24 | — | 3.67× | ||
| Q3 24 | — | 0.50× | ||
| Q2 24 | — | 1.14× | ||
| Q1 24 | — | 0.72× |
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% |
HTBK
暂无分部数据
