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ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与ISABELLA BANK CORP（ISBA）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ISABELLA BANK CORP的2.0倍（$42.3M vs $21.2M），ISABELLA BANK CORP净利率更高（22.2% vs -16.8%，领先39.0%），ISABELLA BANK CORP同比增速更快（14.3% vs 3.2%），ISABELLA BANK CORP自由现金流更多（$23.3M vs $-525.0K），过去两年ISABELLA BANK CORP的营收复合增速更高（12.6% 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。
菲律宾群岛银行是菲律宾的全能型银行，同时也是菲律宾乃至整个东南亚历史最悠久的银行。按资产规模计算，它是菲律宾第四大银行；按市值计算则位列第二，是菲律宾盈利能力最强的银行之一。
ASPS vs ISBA — 直观对比
营收规模更大
ASPS
是对方的2.0倍
$21.2M
营收增速更快
ISBA
高出11.0%
3.2%
净利率更高
ISBA
高出39.0%
-16.8%
自由现金流更多
ISBA
多$23.9M
$-525.0K
两年增速更快
ISBA
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $21.2M |
| 净利润 | $-7.1M | $4.7M |
| 毛利率 | 26.5% | — |
| 营业利润率 | -15.5% | 32.2% |
| 净利率 | -16.8% | 22.2% |
| 营收同比 | 3.2% | 14.3% |
| 净利润同比 | 18.2% | 17.4% |
| 每股收益（稀释后） | $-1.02 | $0.64 |
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ASPSISBA
| Q4 25 | $42.3M | $21.2M | ||
| Q3 25 | $41.9M | $20.5M | ||
| Q2 25 | $43.3M | $18.8M | ||
| Q1 25 | $43.4M | $18.1M | ||
| Q4 24 | $41.0M | $18.5M | ||
| Q3 24 | $40.5M | $18.0M | ||
| Q2 24 | $39.1M | $17.2M | ||
| Q1 24 | $39.5M | $16.7M |
净利润ASPSISBA
| Q4 25 | $-7.1M | $4.7M | ||
| Q3 25 | $-2.3M | $5.2M | ||
| Q2 25 | $16.7M | $5.0M | ||
| Q1 25 | $-5.3M | $3.9M | ||
| Q4 24 | $-8.7M | $4.0M | ||
| Q3 24 | $-9.3M | $3.3M | ||
| Q2 24 | $-8.3M | $3.5M | ||
| Q1 24 | $-9.2M | $3.1M |
毛利率ASPSISBA
| 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ASPSISBA
| Q4 25 | -15.5% | 32.2% | ||
| Q3 25 | 1.2% | 30.7% | ||
| Q2 25 | 7.5% | 32.8% | ||
| Q1 25 | 7.5% | 26.9% | ||
| Q4 24 | 1.4% | 26.0% | ||
| Q3 24 | 2.7% | 21.3% | ||
| Q2 24 | 5.3% | 23.9% | ||
| Q1 24 | -1.4% | 21.8% |
净利率ASPSISBA
| Q4 25 | -16.8% | 22.2% | ||
| Q3 25 | -5.5% | 25.6% | ||
| Q2 25 | 38.5% | 26.7% | ||
| Q1 25 | -12.1% | 21.9% | ||
| Q4 24 | -21.3% | 21.6% | ||
| Q3 24 | -23.0% | 18.2% | ||
| Q2 24 | -21.1% | 20.3% | ||
| Q1 24 | -23.2% | 18.7% |
每股收益（稀释后）ASPSISBA
| Q4 25 | $-1.02 | $0.64 | ||
| Q3 25 | $-0.22 | $0.71 | ||
| Q2 25 | $1.48 | $0.68 | ||
| Q1 25 | $-0.09 | $0.53 | ||
| Q4 24 | $-4.72 | $0.54 | ||
| Q3 24 | $-2.61 | $0.44 | ||
| Q2 24 | $-2.33 | $0.46 | ||
| Q1 24 | $-0.33 | $0.42 |
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 | $26.0M |
| 总债务越低越好 | $191.1M | — |
| 股东权益账面价值 | $-110.2M | $231.4M |
| 总资产 | $139.8M | $2.2B |
| 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ASPSISBA
| Q4 25 | $26.6M | $26.0M | ||
| Q3 25 | $28.6M | $161.3M | ||
| Q2 25 | $30.0M | $108.6M | ||
| Q1 25 | $30.8M | $69.2M | ||
| Q4 24 | $29.8M | $24.5M | ||
| Q3 24 | $28.3M | $27.4M | ||
| Q2 24 | $29.7M | $23.6M | ||
| Q1 24 | $29.6M | $25.2M |
总债务ASPSISBA
| 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 | — | — |
股东权益ASPSISBA
| Q4 25 | $-110.2M | $231.4M | ||
| Q3 25 | $-104.2M | $227.4M | ||
| Q2 25 | $-102.7M | $220.5M | ||
| Q1 25 | $-119.8M | $215.6M | ||
| Q4 24 | $-157.4M | $210.3M | ||
| Q3 24 | $-149.4M | $213.0M | ||
| Q2 24 | $-140.8M | $202.2M | ||
| Q1 24 | $-133.3M | $200.7M |
总资产ASPSISBA
| Q4 25 | $139.8M | $2.2B | ||
| Q3 25 | $139.9M | $2.3B | ||
| Q2 25 | $142.9M | $2.2B | ||
| Q1 25 | $145.7M | $2.1B | ||
| Q4 24 | $143.6M | $2.1B | ||
| Q3 24 | $144.5M | $2.1B | ||
| Q2 24 | $146.6M | $2.1B | ||
| Q1 24 | $148.9M | $2.1B |
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 | $26.8M |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | $23.3M |
| 自由现金流率自由现金流/营收 | -1.2% | 110.2% |
| 资本支出强度资本支出/营收 | 0.0% | 16.4% |
| 现金转化率经营现金流/净利润 | — | 5.72× |
| 过去12个月自由现金流最近4个季度 | $-5.1M | $36.0M |
8季度趋势，按日历期对齐
经营现金流ASPSISBA
| Q4 25 | $-505.0K | $26.8M | ||
| Q3 25 | $718.0K | $2.7M | ||
| Q2 25 | $-306.0K | $7.8M | ||
| Q1 25 | $-5.0M | $4.7M | ||
| Q4 24 | $-1.4M | $19.6M | ||
| Q3 24 | $-1.6M | $3.6M | ||
| Q2 24 | $180.0K | $5.5M | ||
| Q1 24 | $-2.2M | $3.4M |
自由现金流ASPSISBA
| Q4 25 | $-525.0K | $23.3M | ||
| Q3 25 | $697.0K | $1.7M | ||
| Q2 25 | $-309.0K | $7.2M | ||
| Q1 25 | $-5.0M | $3.7M | ||
| Q4 24 | $-1.4M | $17.5M | ||
| Q3 24 | — | $3.2M | ||
| Q2 24 | — | $5.1M | ||
| Q1 24 | — | $2.6M |
自由现金流率ASPSISBA
| Q4 25 | -1.2% | 110.2% | ||
| Q3 25 | 1.7% | 8.5% | ||
| Q2 25 | -0.7% | 38.5% | ||
| Q1 25 | -11.5% | 20.6% | ||
| Q4 24 | -3.4% | 94.6% | ||
| Q3 24 | — | 17.7% | ||
| Q2 24 | — | 29.8% | ||
| Q1 24 | — | 15.7% |
资本支出强度ASPSISBA
| Q4 25 | 0.0% | 16.4% | ||
| Q3 25 | 0.1% | 5.0% | ||
| Q2 25 | 0.0% | 3.2% | ||
| Q1 25 | 0.1% | 5.5% | ||
| Q4 24 | 0.0% | 11.4% | ||
| Q3 24 | 0.0% | 2.0% | ||
| Q2 24 | 0.0% | 2.4% | ||
| Q1 24 | 0.0% | 4.9% |
现金转化率ASPSISBA
| Q4 25 | — | 5.72× | ||
| Q3 25 | — | 0.52× | ||
| Q2 25 | -0.02× | 1.56× | ||
| Q1 25 | — | 1.19× | ||
| Q4 24 | — | 4.91× | ||
| Q3 24 | — | 1.08× | ||
| Q2 24 | — | 1.59× | ||
| Q1 24 | — | 1.10× |
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% |
ISBA
暂无分部数据
