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ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与Usio, Inc.（USIO）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Usio, Inc.的1.9倍（$42.3M vs $22.2M），Usio, Inc.净利率更高（-6.7% vs -16.8%，领先10.1%），Usio, Inc.同比增速更快（8.2% vs 3.2%），Usio, Inc.自由现金流更多（$1.1M vs $-525.0K），过去两年ALTISOURCE PORTFOLIO SOLUTIONS S.A.的营收复合增速更高（3.6% vs 3.0%）
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。
Usio, Inc.是总部位于美国得克萨斯州圣安东尼奥的金融科技企业，主打综合电子支付服务，业务涵盖ACH交易处理、信用卡与借记卡收单、为软件平台提供支付便利、预付卡发行，同时还经营文件打印邮寄业务。
ASPS vs USIO — 直观对比
营收规模更大
ASPS
是对方的1.9倍
$22.2M
营收增速更快
USIO
高出5.0%
3.2%
净利率更高
USIO
高出10.1%
-16.8%
自由现金流更多
USIO
多$1.6M
$-525.0K
两年增速更快
ASPS
近两年复合增速
3.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $22.2M |
| 净利润 | $-7.1M | $-1.5M |
| 毛利率 | 26.5% | 21.9% |
| 营业利润率 | -15.5% | -5.7% |
| 净利率 | -16.8% | -6.7% |
| 营收同比 | 3.2% | 8.2% |
| 净利润同比 | 18.2% | -337.8% |
| 每股收益（稀释后） | $-1.02 | $-0.05 |
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ASPSUSIO
| Q4 25 | $42.3M | $22.2M | ||
| Q3 25 | $41.9M | $21.2M | ||
| Q2 25 | $43.3M | $20.0M | ||
| Q1 25 | $43.4M | $22.0M | ||
| Q4 24 | $41.0M | $20.6M | ||
| Q3 24 | $40.5M | $21.3M | ||
| Q2 24 | $39.1M | $20.1M | ||
| Q1 24 | $39.5M | $21.0M |
净利润ASPSUSIO
| Q4 25 | $-7.1M | $-1.5M | ||
| Q3 25 | $-2.3M | $-415.1K | ||
| Q2 25 | $16.7M | $-366.7K | ||
| Q1 25 | $-5.3M | $-235.0K | ||
| Q4 24 | $-8.7M | $628.9K | ||
| Q3 24 | $-9.3M | $2.9M | ||
| Q2 24 | $-8.3M | $75.5K | ||
| Q1 24 | $-9.2M | $-250.2K |
毛利率ASPSUSIO
| Q4 25 | 26.5% | 21.9% | ||
| Q3 25 | 27.1% | 23.0% | ||
| Q2 25 | 30.1% | 25.8% | ||
| Q1 25 | 30.7% | 21.9% | ||
| Q4 24 | 30.3% | 24.6% | ||
| Q3 24 | 29.8% | 23.0% | ||
| Q2 24 | 32.5% | 23.9% | ||
| Q1 24 | 31.2% | 23.1% |
营业利润率ASPSUSIO
| Q4 25 | -15.5% | -5.7% | ||
| Q3 25 | 1.2% | -2.2% | ||
| Q2 25 | 7.5% | -2.0% | ||
| Q1 25 | 7.5% | -1.1% | ||
| Q4 24 | 1.4% | -2.9% | ||
| Q3 24 | 2.7% | -1.8% | ||
| Q2 24 | 5.3% | -1.0% | ||
| Q1 24 | -1.4% | -1.3% |
净利率ASPSUSIO
| Q4 25 | -16.8% | -6.7% | ||
| Q3 25 | -5.5% | -2.0% | ||
| Q2 25 | 38.5% | -1.8% | ||
| Q1 25 | -12.1% | -1.1% | ||
| Q4 24 | -21.3% | 3.1% | ||
| Q3 24 | -23.0% | 13.4% | ||
| Q2 24 | -21.1% | 0.4% | ||
| Q1 24 | -23.2% | -1.2% |
每股收益（稀释后）ASPSUSIO
| Q4 25 | $-1.02 | $-0.05 | ||
| Q3 25 | $-0.22 | $-0.02 | ||
| Q2 25 | $1.48 | $-0.01 | ||
| Q1 25 | $-0.09 | $-0.01 | ||
| Q4 24 | $-4.72 | $0.03 | ||
| Q3 24 | $-2.61 | $0.10 | ||
| Q2 24 | $-2.33 | $0.00 | ||
| Q1 24 | $-0.33 | $-0.01 |
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 | $7.4M |
| 总债务越低越好 | $191.1M | $1.4M |
| 股东权益账面价值 | $-110.2M | $17.9M |
| 总资产 | $139.8M | $134.9M |
| 负债/权益比越低杠杆越低 | — | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资ASPSUSIO
| Q4 25 | $26.6M | $7.4M | ||
| Q3 25 | $28.6M | $7.7M | ||
| Q2 25 | $30.0M | $8.1M | ||
| Q1 25 | $30.8M | $8.7M | ||
| Q4 24 | $29.8M | $8.1M | ||
| Q3 24 | $28.3M | $8.4M | ||
| Q2 24 | $29.7M | $7.2M | ||
| Q1 24 | $29.6M | $7.1M |
总债务ASPSUSIO
| Q4 25 | $191.1M | $1.4M | ||
| Q3 25 | $192.5M | $836.7K | ||
| Q2 25 | $193.9M | $647.1K | ||
| Q1 25 | $195.0M | $683.3K | ||
| Q4 24 | $230.5M | $719.4K | ||
| Q3 24 | — | $562.9K | ||
| Q2 24 | — | $597.2K | ||
| Q1 24 | — | $630.9K |
股东权益ASPSUSIO
| Q4 25 | $-110.2M | $17.9M | ||
| Q3 25 | $-104.2M | $18.7M | ||
| Q2 25 | $-102.7M | $18.7M | ||
| Q1 25 | $-119.8M | $19.0M | ||
| Q4 24 | $-157.4M | $19.2M | ||
| Q3 24 | $-149.4M | $18.9M | ||
| Q2 24 | $-140.8M | $15.7M | ||
| Q1 24 | $-133.3M | $15.3M |
总资产ASPSUSIO
| Q4 25 | $139.8M | $134.9M | ||
| Q3 25 | $139.9M | $99.4M | ||
| Q2 25 | $142.9M | $108.4M | ||
| Q1 25 | $145.7M | $109.6M | ||
| Q4 24 | $143.6M | $107.2M | ||
| Q3 24 | $144.5M | $114.6M | ||
| Q2 24 | $146.6M | $108.8M | ||
| Q1 24 | $148.9M | $99.1M |
负债/权益比ASPSUSIO
| Q4 25 | — | 0.08× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.03× | ||
| Q1 25 | — | 0.04× | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | 0.03× | ||
| Q2 24 | — | 0.04× | ||
| Q1 24 | — | 0.04× |
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 | $1.5M |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | $1.1M |
| 自由现金流率自由现金流/营收 | -1.2% | 4.8% |
| 资本支出强度资本支出/营收 | 0.0% | 2.0% |
| 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 | $1.7M |
8季度趋势，按日历期对齐
经营现金流ASPSUSIO
| Q4 25 | $-505.0K | $1.5M | ||
| Q3 25 | $718.0K | $303.8K | ||
| Q2 25 | $-306.0K | $-263.9K | ||
| Q1 25 | $-5.0M | $1.4M | ||
| Q4 24 | $-1.4M | $2.9M | ||
| Q3 24 | $-1.6M | $1.4M | ||
| Q2 24 | $180.0K | $369.1K | ||
| Q1 24 | $-2.2M | $88.7K |
自由现金流ASPSUSIO
| Q4 25 | $-525.0K | $1.1M | ||
| Q3 25 | $697.0K | $85.2K | ||
| Q2 25 | $-309.0K | $-503.2K | ||
| Q1 25 | $-5.0M | $1.1M | ||
| Q4 24 | $-1.4M | $2.7M | ||
| Q3 24 | — | $1.4M | ||
| Q2 24 | — | $246.3K | ||
| Q1 24 | — | $-88.1K |
自由现金流率ASPSUSIO
| Q4 25 | -1.2% | 4.8% | ||
| Q3 25 | 1.7% | 0.4% | ||
| Q2 25 | -0.7% | -2.5% | ||
| Q1 25 | -11.5% | 4.8% | ||
| Q4 24 | -3.4% | 13.1% | ||
| Q3 24 | — | 6.4% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | -0.4% |
资本支出强度ASPSUSIO
| Q4 25 | 0.0% | 2.0% | ||
| Q3 25 | 0.1% | 1.0% | ||
| Q2 25 | 0.0% | 1.2% | ||
| Q1 25 | 0.1% | 1.4% | ||
| Q4 24 | 0.0% | 1.0% | ||
| Q3 24 | 0.0% | 0.3% | ||
| Q2 24 | 0.0% | 0.6% | ||
| Q1 24 | 0.0% | 0.8% |
现金转化率ASPSUSIO
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.02× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.61× | ||
| Q3 24 | — | 0.50× | ||
| Q2 24 | — | 4.89× | ||
| Q1 24 | — | — |
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% |
USIO
| Credit Card Revenue | $7.7M | 35% |
| ACH And Complementary Service Revenue | $6.1M | 28% |
| Output Solutions | $5.4M | 24% |
| Prepaid Card Services Revenue | $2.6M | 12% |
