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ALTISOURCE PORTFOLIO SOLUTIONS S.A.（ASPS）与合众银行（WASH）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是ALTISOURCE PORTFOLIO SOLUTIONS S.A.的1.4倍（$57.8M vs $42.3M），合众银行净利率更高（21.8% vs -16.8%，领先38.6%），过去两年合众银行的营收复合增速更高（9.5% 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。
美国合众银行是一家美国跨国金融机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年，该银行为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构。它主营银行、投资、抵押贷款等多元金融业务。
ASPS vs WASH — 直观对比
营收规模更大
WASH
是对方的1.4倍
$42.3M
净利率更高
WASH
高出38.6%
-16.8%
两年增速更快
WASH
近两年复合增速
3.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $42.3M | $57.8M |
| 净利润 | $-7.1M | $12.6M |
| 毛利率 | 26.5% | — |
| 营业利润率 | -15.5% | — |
| 净利率 | -16.8% | 21.8% |
| 营收同比 | 3.2% | — |
| 净利润同比 | 18.2% | 3.5% |
| 每股收益（稀释后） | $-1.02 | $0.66 |
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ASPSWASH
| Q1 26 | — | $57.8M | ||
| Q4 25 | $42.3M | $59.3M | ||
| Q3 25 | $41.9M | $56.5M | ||
| Q2 25 | $43.3M | $54.3M | ||
| Q1 25 | $43.4M | $59.1M | ||
| Q4 24 | $41.0M | $12.4M | ||
| Q3 24 | $40.5M | $48.5M | ||
| Q2 24 | $39.1M | $48.2M |
净利润ASPSWASH
| Q1 26 | — | $12.6M | ||
| Q4 25 | $-7.1M | $16.0M | ||
| Q3 25 | $-2.3M | $10.8M | ||
| Q2 25 | $16.7M | $13.2M | ||
| Q1 25 | $-5.3M | $12.2M | ||
| Q4 24 | $-8.7M | $-60.8M | ||
| Q3 24 | $-9.3M | $11.0M | ||
| Q2 24 | $-8.3M | $10.8M |
毛利率ASPSWASH
| Q1 26 | — | — | ||
| 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% | — |
营业利润率ASPSWASH
| Q1 26 | — | — | ||
| Q4 25 | -15.5% | 34.9% | ||
| Q3 25 | 1.2% | 24.7% | ||
| Q2 25 | 7.5% | 31.6% | ||
| Q1 25 | 7.5% | 26.5% | ||
| Q4 24 | 1.4% | -648.7% | ||
| Q3 24 | 2.7% | 28.5% | ||
| Q2 24 | 5.3% | 28.7% |
净利率ASPSWASH
| Q1 26 | — | 21.8% | ||
| Q4 25 | -16.8% | 27.0% | ||
| Q3 25 | -5.5% | 19.2% | ||
| Q2 25 | 38.5% | 24.4% | ||
| Q1 25 | -12.1% | 20.6% | ||
| Q4 24 | -21.3% | -491.4% | ||
| Q3 24 | -23.0% | 22.6% | ||
| Q2 24 | -21.1% | 22.4% |
每股收益（稀释后）ASPSWASH
| Q1 26 | — | $0.66 | ||
| Q4 25 | $-1.02 | $0.84 | ||
| Q3 25 | $-0.22 | $0.56 | ||
| Q2 25 | $1.48 | $0.68 | ||
| Q1 25 | $-0.09 | $0.63 | ||
| Q4 24 | $-4.72 | $-3.54 | ||
| Q3 24 | $-2.61 | $0.64 | ||
| Q2 24 | $-2.33 | $0.63 |
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 | $12.3M |
| 总债务越低越好 | $191.1M | — |
| 股东权益账面价值 | $-110.2M | $546.8M |
| 总资产 | $139.8M | $6.5B |
| 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ASPSWASH
| Q1 26 | — | $12.3M | ||
| 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 | — |
总债务ASPSWASH
| Q1 26 | — | — | ||
| Q4 25 | $191.1M | — | ||
| Q3 25 | $192.5M | — | ||
| Q2 25 | $193.9M | — | ||
| Q1 25 | $195.0M | — | ||
| Q4 24 | $230.5M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益ASPSWASH
| Q1 26 | — | $546.8M | ||
| Q4 25 | $-110.2M | $543.6M | ||
| Q3 25 | $-104.2M | $533.0M | ||
| Q2 25 | $-102.7M | $527.5M | ||
| Q1 25 | $-119.8M | $521.7M | ||
| Q4 24 | $-157.4M | $499.7M | ||
| Q3 24 | $-149.4M | $502.2M | ||
| Q2 24 | $-140.8M | $471.0M |
总资产ASPSWASH
| Q1 26 | — | $6.5B | ||
| Q4 25 | $139.8M | $6.6B | ||
| Q3 25 | $139.9M | $6.7B | ||
| Q2 25 | $142.9M | $6.7B | ||
| Q1 25 | $145.7M | $6.6B | ||
| Q4 24 | $143.6M | $6.9B | ||
| Q3 24 | $144.5M | $7.1B | ||
| Q2 24 | $146.6M | $7.2B |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $-525.0K | — |
| 自由现金流率自由现金流/营收 | -1.2% | — |
| 资本支出强度资本支出/营收 | 0.0% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流ASPSWASH
| Q1 26 | — | — | ||
| Q4 25 | $-505.0K | $80.3M | ||
| Q3 25 | $718.0K | $39.6M | ||
| Q2 25 | $-306.0K | $11.3M | ||
| Q1 25 | $-5.0M | $8.4M | ||
| Q4 24 | $-1.4M | $57.7M | ||
| Q3 24 | $-1.6M | $25.7M | ||
| Q2 24 | $180.0K | $11.2M |
自由现金流ASPSWASH
| Q1 26 | — | — | ||
| Q4 25 | $-525.0K | $78.3M | ||
| Q3 25 | $697.0K | $39.3M | ||
| Q2 25 | $-309.0K | $10.9M | ||
| Q1 25 | $-5.0M | $8.4M | ||
| Q4 24 | $-1.4M | $53.7M | ||
| Q3 24 | — | $24.4M | ||
| Q2 24 | — | $9.6M |
自由现金流率ASPSWASH
| Q1 26 | — | — | ||
| Q4 25 | -1.2% | 132.2% | ||
| Q3 25 | 1.7% | 69.6% | ||
| Q2 25 | -0.7% | 20.2% | ||
| Q1 25 | -11.5% | 14.2% | ||
| Q4 24 | -3.4% | 433.8% | ||
| Q3 24 | — | 50.4% | ||
| Q2 24 | — | 19.8% |
资本支出强度ASPSWASH
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 3.4% | ||
| Q3 25 | 0.1% | 0.6% | ||
| Q2 25 | 0.0% | 0.7% | ||
| Q1 25 | 0.1% | 0.1% | ||
| Q4 24 | 0.0% | 32.3% | ||
| Q3 24 | 0.0% | 2.6% | ||
| Q2 24 | 0.0% | 3.4% |
现金转化率ASPSWASH
| Q1 26 | — | — | ||
| Q4 25 | — | 5.03× | ||
| Q3 25 | — | 3.65× | ||
| Q2 25 | -0.02× | 0.86× | ||
| Q1 25 | — | 0.69× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 2.34× | ||
| Q2 24 | — | 1.03× |
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% |
WASH
| Net Interest Income | $40.5M | 70% |
| Noninterest Income | $17.3M | 30% |
