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ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与UNITY BANCORP INC（UNTY）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UNITY BANCORP INC的1.2倍（$42.3M vs $35.3M），UNITY BANCORP INC净利率更高（43.9% vs -16.8%，领先60.7%），UNITY BANCORP INC同比增速更快（24.2% vs 3.2%），UNITY BANCORP INC自由现金流更多（$44.3M vs $-525.0K），过去两年UNITY BANCORP INC的营收复合增速更高（17.5% 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。
Unity Bancorp Inc是总部位于美国新泽西州的金融控股公司，旗下运营Unity Bank，面向新泽西州及宾夕法尼亚州东部的本地社区，提供商业贷款、存款账户、抵押贷款、个人银行等全系列商业及零售银行服务，核心服务客群为中小企业和个人消费者。
ASPS vs UNTY — 直观对比
营收规模更大
ASPS
是对方的1.2倍
$35.3M
营收增速更快
UNTY
高出20.9%
3.2%
净利率更高
UNTY
高出60.7%
-16.8%
自由现金流更多
UNTY
多$44.9M
$-525.0K
两年增速更快
UNTY
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $35.3M |
| 净利润 | $-7.1M | $15.5M |
| 毛利率 | 26.5% | — |
| 营业利润率 | -15.5% | 55.8% |
| 净利率 | -16.8% | 43.9% |
| 营收同比 | 3.2% | 24.2% |
| 净利润同比 | 18.2% | 34.5% |
| 每股收益（稀释后） | $-1.02 | $1.52 |
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ASPSUNTY
| Q4 25 | $42.3M | $35.3M | ||
| Q3 25 | $41.9M | $32.8M | ||
| Q2 25 | $43.3M | $34.4M | ||
| Q1 25 | $43.4M | $29.4M | ||
| Q4 24 | $41.0M | $28.4M | ||
| Q3 24 | $40.5M | $27.7M | ||
| Q2 24 | $39.1M | $25.5M | ||
| Q1 24 | $39.5M | $25.6M |
净利润ASPSUNTY
| Q4 25 | $-7.1M | $15.5M | ||
| Q3 25 | $-2.3M | $14.4M | ||
| Q2 25 | $16.7M | $16.5M | ||
| Q1 25 | $-5.3M | $11.6M | ||
| Q4 24 | $-8.7M | $11.5M | ||
| Q3 24 | $-9.3M | $10.9M | ||
| Q2 24 | $-8.3M | $9.5M | ||
| Q1 24 | $-9.2M | $9.6M |
毛利率ASPSUNTY
| 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ASPSUNTY
| Q4 25 | -15.5% | 55.8% | ||
| Q3 25 | 1.2% | 57.5% | ||
| Q2 25 | 7.5% | 62.6% | ||
| Q1 25 | 7.5% | 52.6% | ||
| Q4 24 | 1.4% | 51.0% | ||
| Q3 24 | 2.7% | 52.7% | ||
| Q2 24 | 5.3% | 49.3% | ||
| Q1 24 | -1.4% | 50.0% |
净利率ASPSUNTY
| Q4 25 | -16.8% | 43.9% | ||
| Q3 25 | -5.5% | 43.8% | ||
| Q2 25 | 38.5% | 48.0% | ||
| Q1 25 | -12.1% | 39.5% | ||
| Q4 24 | -21.3% | 40.5% | ||
| Q3 24 | -23.0% | 39.4% | ||
| Q2 24 | -21.1% | 37.1% | ||
| Q1 24 | -23.2% | 37.5% |
每股收益（稀释后）ASPSUNTY
| Q4 25 | $-1.02 | $1.52 | ||
| Q3 25 | $-0.22 | $1.41 | ||
| Q2 25 | $1.48 | $1.61 | ||
| Q1 25 | $-0.09 | $1.13 | ||
| Q4 24 | $-4.72 | $1.13 | ||
| Q3 24 | $-2.61 | $1.07 | ||
| Q2 24 | $-2.33 | $0.92 | ||
| Q1 24 | $-0.33 | $0.94 |
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 | $345.6M |
| 总资产 | $139.8M | $3.0B |
| 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ASPSUNTY
| 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ASPSUNTY
| Q4 25 | $191.1M | — | ||
| Q3 25 | $192.5M | — | ||
| Q2 25 | $193.9M | — | ||
| Q1 25 | $195.0M | — | ||
| Q4 24 | $230.5M | $230.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ASPSUNTY
| Q4 25 | $-110.2M | $345.6M | ||
| Q3 25 | $-104.2M | $334.0M | ||
| Q2 25 | $-102.7M | $319.8M | ||
| Q1 25 | $-119.8M | $306.1M | ||
| Q4 24 | $-157.4M | $295.6M | ||
| Q3 24 | $-149.4M | $284.3M | ||
| Q2 24 | $-140.8M | $273.4M | ||
| Q1 24 | $-133.3M | $266.8M |
总资产ASPSUNTY
| Q4 25 | $139.8M | $3.0B | ||
| Q3 25 | $139.9M | $2.9B | ||
| Q2 25 | $142.9M | $2.9B | ||
| Q1 25 | $145.7M | $2.8B | ||
| Q4 24 | $143.6M | $2.7B | ||
| Q3 24 | $144.5M | $2.6B | ||
| Q2 24 | $146.6M | $2.6B | ||
| Q1 24 | $148.9M | $2.6B |
负债/权益比ASPSUNTY
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.78× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $44.9M |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | $44.3M |
| 自由现金流率自由现金流/营收 | -1.2% | 125.7% |
| 资本支出强度资本支出/营收 | 0.0% | 1.6% |
| 现金转化率经营现金流/净利润 | — | 2.90× |
| 过去12个月自由现金流最近4个季度 | $-5.1M | $81.7M |
8季度趋势，按日历期对齐
经营现金流ASPSUNTY
| Q4 25 | $-505.0K | $44.9M | ||
| Q3 25 | $718.0K | $45.5M | ||
| Q2 25 | $-306.0K | $-25.3M | ||
| Q1 25 | $-5.0M | $17.9M | ||
| Q4 24 | $-1.4M | $48.0M | ||
| Q3 24 | $-1.6M | $17.7M | ||
| Q2 24 | $180.0K | $-8.4M | ||
| Q1 24 | $-2.2M | $15.8M |
自由现金流ASPSUNTY
| Q4 25 | $-525.0K | $44.3M | ||
| Q3 25 | $697.0K | $45.3M | ||
| Q2 25 | $-309.0K | $-25.5M | ||
| Q1 25 | $-5.0M | $17.6M | ||
| Q4 24 | $-1.4M | $47.3M | ||
| Q3 24 | — | $17.5M | ||
| Q2 24 | — | $-8.6M | ||
| Q1 24 | — | $15.7M |
自由现金流率ASPSUNTY
| Q4 25 | -1.2% | 125.7% | ||
| Q3 25 | 1.7% | 138.1% | ||
| Q2 25 | -0.7% | -74.2% | ||
| Q1 25 | -11.5% | 59.9% | ||
| Q4 24 | -3.4% | 166.5% | ||
| Q3 24 | — | 63.3% | ||
| Q2 24 | — | -33.7% | ||
| Q1 24 | — | 61.4% |
资本支出强度ASPSUNTY
| Q4 25 | 0.0% | 1.6% | ||
| Q3 25 | 0.1% | 0.7% | ||
| Q2 25 | 0.0% | 0.5% | ||
| Q1 25 | 0.1% | 1.0% | ||
| Q4 24 | 0.0% | 2.4% | ||
| Q3 24 | 0.0% | 0.5% | ||
| Q2 24 | 0.0% | 0.5% | ||
| Q1 24 | 0.0% | 0.3% |
现金转化率ASPSUNTY
| Q4 25 | — | 2.90× | ||
| Q3 25 | — | 3.16× | ||
| Q2 25 | -0.02× | -1.54× | ||
| Q1 25 | — | 1.54× | ||
| Q4 24 | — | 4.17× | ||
| Q3 24 | — | 1.62× | ||
| Q2 24 | — | -0.89× | ||
| Q1 24 | — | 1.64× |
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% |
UNTY
暂无分部数据
