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Atlanticus Holdings Corp（ATLCP）与Bloomin' Brands, Inc.（BLMN）财务数据对比。点击上方公司名可切换其他公司
Bloomin' Brands, Inc.的季度营收约是Atlanticus Holdings Corp的1.3倍（$975.2M vs $734.4M），Atlanticus Holdings Corp净利率更高（4.7% vs -1.4%，领先6.1%），Atlanticus Holdings Corp同比增速更快（107.8% vs 0.3%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs -4.5%）
Atlanticus Holdings Corp是一家总部位于美国的金融科技及消费金融企业，主要服务美国境内信用记录不足或非优质信用的消费者群体，提供消费分期、个人贷款等普惠信贷产品，同时与零售商户及金融机构合作推出定制化灵活信贷解决方案。
Bloomin' Brands, Inc.是一家餐饮控股集团，1988年成立，总部位于美国佛罗里达州坦帕市，旗下拥有多个美式休闲餐饮连锁品牌，是北美休闲餐饮领域颇具规模的企业之一。
ATLCP vs BLMN — 直观对比
营收规模更大
BLMN
是对方的1.3倍
$734.4M
营收增速更快
ATLCP
高出107.4%
0.3%
净利率更高
ATLCP
高出6.1%
-1.4%
两年增速更快
ATLCP
近两年复合增速
-4.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $975.2M |
| 净利润 | $34.6M | $-13.5M |
| 毛利率 | 92.4% | 70.2% |
| 营业利润率 | 6.3% | -1.4% |
| 净利率 | 4.7% | -1.4% |
| 营收同比 | 107.8% | 0.3% |
| 净利润同比 | 11.7% | 83.0% |
| 每股收益（稀释后） | $1.75 | $-0.16 |
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ATLCPBLMN
| Q4 25 | $734.4M | $975.2M | ||
| Q3 25 | $494.7M | $928.8M | ||
| Q2 25 | $394.2M | $1.0B | ||
| Q1 25 | $345.2M | $1.0B | ||
| Q4 24 | $353.5M | $972.0M | ||
| Q3 24 | $351.2M | $910.0M | ||
| Q2 24 | $316.0M | $999.4M | ||
| Q1 24 | $290.7M | $1.1B |
净利润ATLCPBLMN
| Q4 25 | $34.6M | $-13.5M | ||
| Q3 25 | $25.0M | $-45.9M | ||
| Q2 25 | $30.6M | $25.4M | ||
| Q1 25 | $31.5M | $42.2M | ||
| Q4 24 | $31.0M | $-79.5M | ||
| Q3 24 | $29.5M | $6.9M | ||
| Q2 24 | $24.3M | $28.4M | ||
| Q1 24 | $26.2M | $-83.9M |
毛利率ATLCPBLMN
| Q4 25 | 92.4% | 70.2% | ||
| Q3 25 | 92.1% | 70.4% | ||
| Q2 25 | 91.4% | 70.2% | ||
| Q1 25 | 90.7% | 70.1% | ||
| Q4 24 | 89.9% | 71.6% | ||
| Q3 24 | 92.0% | 71.3% | ||
| Q2 24 | 91.2% | 70.5% | ||
| Q1 24 | 90.8% | 70.5% |
营业利润率ATLCPBLMN
| Q4 25 | 6.3% | -1.4% | ||
| Q3 25 | 6.6% | -3.9% | ||
| Q2 25 | 10.2% | 3.0% | ||
| Q1 25 | 11.8% | 5.5% | ||
| Q4 24 | 11.3% | 1.7% | ||
| Q3 24 | 10.6% | 0.9% | ||
| Q2 24 | 9.1% | 4.4% | ||
| Q1 24 | 11.3% | 6.6% |
净利率ATLCPBLMN
| Q4 25 | 4.7% | -1.4% | ||
| Q3 25 | 5.0% | -4.9% | ||
| Q2 25 | 7.8% | 2.5% | ||
| Q1 25 | 9.1% | 4.0% | ||
| Q4 24 | 8.8% | -8.2% | ||
| Q3 24 | 8.4% | 0.8% | ||
| Q2 24 | 7.7% | 2.8% | ||
| Q1 24 | 9.0% | -7.8% |
每股收益（稀释后）ATLCPBLMN
| Q4 25 | $1.75 | $-0.16 | ||
| Q3 25 | $1.21 | $-0.54 | ||
| Q2 25 | $1.51 | $0.30 | ||
| Q1 25 | $1.49 | $0.50 | ||
| Q4 24 | $1.42 | $-0.93 | ||
| Q3 24 | $1.27 | $0.08 | ||
| Q2 24 | $0.99 | $0.32 | ||
| Q1 24 | $1.09 | $-0.96 |
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 | $621.1M | $59.5M |
| 总债务越低越好 | — | $787.4M |
| 股东权益账面价值 | $608.7M | $333.6M |
| 总资产 | $7.6B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 2.36× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPBLMN
| Q4 25 | $621.1M | $59.5M | ||
| Q3 25 | $425.0M | $66.5M | ||
| Q2 25 | $329.4M | $50.3M | ||
| Q1 25 | $350.4M | $57.7M | ||
| Q4 24 | $375.4M | $70.1M | ||
| Q3 24 | $308.7M | $83.6M | ||
| Q2 24 | $350.9M | $117.9M | ||
| Q1 24 | $444.8M | $131.7M |
总债务ATLCPBLMN
| Q4 25 | — | $787.4M | ||
| Q3 25 | — | $962.2M | ||
| Q2 25 | — | $917.1M | ||
| Q1 25 | — | $917.6M | ||
| Q4 24 | — | $1.0B | ||
| Q3 24 | — | $1.1B | ||
| Q2 24 | — | $1.0B | ||
| Q1 24 | — | $951.8M |
股东权益ATLCPBLMN
| Q4 25 | $608.7M | $333.6M | ||
| Q3 25 | $589.3M | $344.1M | ||
| Q2 25 | $563.3M | $397.2M | ||
| Q1 25 | $532.7M | $380.6M | ||
| Q4 24 | $492.9M | $135.5M | ||
| Q3 24 | $457.7M | $242.1M | ||
| Q2 24 | $433.8M | $286.8M | ||
| Q1 24 | $416.0M | $302.7M |
总资产ATLCPBLMN
| Q4 25 | $7.6B | $3.2B | ||
| Q3 25 | $7.1B | $3.3B | ||
| Q2 25 | $3.6B | $3.3B | ||
| Q1 25 | $3.3B | $3.3B | ||
| Q4 24 | $3.3B | $3.4B | ||
| Q3 24 | $3.0B | $3.4B | ||
| Q2 24 | $2.8B | $3.4B | ||
| Q1 24 | $2.8B | $3.4B |
负债/权益比ATLCPBLMN
| Q4 25 | — | 2.36× | ||
| Q3 25 | — | 2.80× | ||
| Q2 25 | — | 2.31× | ||
| Q1 25 | — | 2.41× | ||
| Q4 24 | — | 7.58× | ||
| Q3 24 | — | 4.51× | ||
| Q2 24 | — | 3.49× | ||
| Q1 24 | — | 3.14× |
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 | $266.3M | $119.1M |
| 自由现金流经营现金流 - 资本支出 | — | $63.7M |
| 自由现金流率自由现金流/营收 | — | 6.5% |
| 资本支出强度资本支出/营收 | — | 5.7% |
| 现金转化率经营现金流/净利润 | 7.69× | — |
| 过去12个月自由现金流最近4个季度 | — | $96.8M |
8季度趋势，按日历期对齐
经营现金流ATLCPBLMN
| Q4 25 | $266.3M | $119.1M | ||
| Q3 25 | $107.5M | $34.4M | ||
| Q2 25 | $132.7M | $49.7M | ||
| Q1 25 | $131.6M | $73.5M | ||
| Q4 24 | $122.6M | $119.8M | ||
| Q3 24 | $112.4M | $-7.8M | ||
| Q2 24 | $115.6M | $42.4M | ||
| Q1 24 | $118.8M | $73.8M |
自由现金流ATLCPBLMN
| Q4 25 | — | $63.7M | ||
| Q3 25 | — | $-5.7M | ||
| Q2 25 | — | $11.1M | ||
| Q1 25 | — | $27.7M | ||
| Q4 24 | — | $66.7M | ||
| Q3 24 | — | $-67.3M | ||
| Q2 24 | — | $-12.1M | ||
| Q1 24 | — | $20.0M |
自由现金流率ATLCPBLMN
| Q4 25 | — | 6.5% | ||
| Q3 25 | — | -0.6% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 6.9% | ||
| Q3 24 | — | -7.4% | ||
| Q2 24 | — | -1.2% | ||
| Q1 24 | — | 1.9% |
资本支出强度ATLCPBLMN
| Q4 25 | — | 5.7% | ||
| Q3 25 | — | 4.3% | ||
| Q2 25 | — | 3.8% | ||
| Q1 25 | — | 4.4% | ||
| Q4 24 | — | 5.5% | ||
| Q3 24 | — | 6.5% | ||
| Q2 24 | — | 5.5% | ||
| Q1 24 | — | 5.0% |
现金转化率ATLCPBLMN
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | — | ||
| Q2 25 | 4.34× | 1.95× | ||
| Q1 25 | 4.17× | 1.74× | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | -1.13× | ||
| Q2 24 | 4.76× | 1.49× | ||
| Q1 24 | 4.54× | — |
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
ATLCP
暂无分部数据
BLMN
| Food And Beverage | $958.0M | 98% |
| Franchiseand Other Revenue | $17.2M | 2% |
| International Franchise Segment | $7.8M | 1% |
