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Atlanticus Holdings Corp（ATLCP）与CREDIT ACCEPTANCE CORP（CACC）财务数据对比。点击上方公司名可切换其他公司
Atlanticus Holdings Corp的季度营收约是CREDIT ACCEPTANCE CORP的1.3倍（$734.4M vs $579.9M）。CREDIT ACCEPTANCE CORP净利率更高（21.0% vs 4.7%，领先16.3%）。Atlanticus Holdings Corp同比增速更快（107.8% vs 2.5%）。过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 6.8%）
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。
Credit Acceptance是一家汽车金融服务提供商，主要提供汽车贷款及相关金融产品。公司通过覆盖全国的合作汽车经销商网络开展业务，设有“投资组合计划”和“采购计划”两大业务项目，可向汽车经销商提供资金，以此换取对应消费者贷款的后续服务权利。
ATLCP vs CACC — 直观对比
营收规模更大
ATLCP
是对方的1.3倍
$579.9M
营收增速更快
ATLCP
高出105.3%
2.5%
净利率更高
CACC
高出16.3%
4.7%
两年增速更快
ATLCP
近两年复合增速
6.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $579.9M |
| 净利润 | $34.6M | $122.0M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 27.1% |
| 净利率 | 4.7% | 21.0% |
| 营收同比 | 107.8% | 2.5% |
| 净利润同比 | 11.7% | -19.7% |
| 每股收益（稀释后） | $1.75 | $10.87 |
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ATLCPCACC
| Q4 25 | $734.4M | $579.9M | ||
| Q3 25 | $494.7M | $582.4M | ||
| Q2 25 | $394.2M | $583.8M | ||
| Q1 25 | $345.2M | $571.1M | ||
| Q4 24 | $353.5M | $565.9M | ||
| Q3 24 | $351.2M | $550.3M | ||
| Q2 24 | $316.0M | $538.2M | ||
| Q1 24 | $290.7M | $508.0M |
净利润ATLCPCACC
| Q4 25 | $34.6M | $122.0M | ||
| Q3 25 | $25.0M | $108.2M | ||
| Q2 25 | $30.6M | $87.4M | ||
| Q1 25 | $31.5M | $106.3M | ||
| Q4 24 | $31.0M | $151.9M | ||
| Q3 24 | $29.5M | $78.8M | ||
| Q2 24 | $24.3M | $-47.1M | ||
| Q1 24 | $26.2M | $64.3M |
毛利率ATLCPCACC
| Q4 25 | 92.4% | — | ||
| Q3 25 | 92.1% | — | ||
| Q2 25 | 91.4% | — | ||
| Q1 25 | 90.7% | — | ||
| Q4 24 | 89.9% | — | ||
| Q3 24 | 92.0% | — | ||
| Q2 24 | 91.2% | — | ||
| Q1 24 | 90.8% | — |
营业利润率ATLCPCACC
| Q4 25 | 6.3% | 27.1% | ||
| Q3 25 | 6.6% | 25.6% | ||
| Q2 25 | 10.2% | 20.2% | ||
| Q1 25 | 11.8% | 24.8% | ||
| Q4 24 | 11.3% | 33.9% | ||
| Q3 24 | 10.6% | 19.4% | ||
| Q2 24 | 9.1% | -10.3% | ||
| Q1 24 | 11.3% | 17.0% |
净利率ATLCPCACC
| Q4 25 | 4.7% | 21.0% | ||
| Q3 25 | 5.0% | 18.6% | ||
| Q2 25 | 7.8% | 15.0% | ||
| Q1 25 | 9.1% | 18.6% | ||
| Q4 24 | 8.8% | 26.8% | ||
| Q3 24 | 8.4% | 14.3% | ||
| Q2 24 | 7.7% | -8.8% | ||
| Q1 24 | 9.0% | 12.7% |
每股收益（稀释后）ATLCPCACC
| Q4 25 | $1.75 | $10.87 | ||
| Q3 25 | $1.21 | $9.43 | ||
| Q2 25 | $1.51 | $7.42 | ||
| Q1 25 | $1.49 | $8.66 | ||
| Q4 24 | $1.42 | $12.28 | ||
| Q3 24 | $1.27 | $6.35 | ||
| Q2 24 | $0.99 | $-3.83 | ||
| Q1 24 | $1.09 | $5.08 |
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 | $22.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $1.5B |
| 总资产 | $7.6B | $8.6B |
| 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ATLCPCACC
| Q4 25 | $621.1M | $22.8M | ||
| Q3 25 | $425.0M | $15.9M | ||
| Q2 25 | $329.4M | $70.0M | ||
| Q1 25 | $350.4M | $528.8M | ||
| Q4 24 | $375.4M | $343.7M | ||
| Q3 24 | $308.7M | $159.7M | ||
| Q2 24 | $350.9M | $8.3M | ||
| Q1 24 | $444.8M | $8.4M |
股东权益ATLCPCACC
| Q4 25 | $608.7M | $1.5B | ||
| Q3 25 | $589.3M | $1.6B | ||
| Q2 25 | $563.3M | $1.6B | ||
| Q1 25 | $532.7M | $1.7B | ||
| Q4 24 | $492.9M | $1.7B | ||
| Q3 24 | $457.7M | $1.6B | ||
| Q2 24 | $433.8M | $1.6B | ||
| Q1 24 | $416.0M | $1.7B |
总资产ATLCPCACC
| Q4 25 | $7.6B | $8.6B | ||
| Q3 25 | $7.1B | $8.6B | ||
| Q2 25 | $3.6B | $8.7B | ||
| Q1 25 | $3.3B | $9.3B | ||
| Q4 24 | $3.3B | $8.9B | ||
| Q3 24 | $3.0B | $8.7B | ||
| Q2 24 | $2.8B | $8.3B | ||
| Q1 24 | $2.8B | $8.1B |
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 | $266.3M | $269.3M |
| 自由现金流经营现金流 - 资本支出 | — | $268.9M |
| 自由现金流率自由现金流/营收 | — | 46.4% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | 7.69× | 2.21× |
| 过去12个月自由现金流最近4个季度 | — | $1.1B |
8季度趋势，按日历期对齐
经营现金流ATLCPCACC
| Q4 25 | $266.3M | $269.3M | ||
| Q3 25 | $107.5M | $299.4M | ||
| Q2 25 | $132.7M | $139.7M | ||
| Q1 25 | $131.6M | $346.2M | ||
| Q4 24 | $122.6M | $306.2M | ||
| Q3 24 | $112.4M | $317.7M | ||
| Q2 24 | $115.6M | $204.0M | ||
| Q1 24 | $118.8M | $310.0M |
自由现金流ATLCPCACC
| Q4 25 | — | $268.9M | ||
| Q3 25 | — | $298.8M | ||
| Q2 25 | — | $139.4M | ||
| Q1 25 | — | $345.9M | ||
| Q4 24 | — | $305.5M | ||
| Q3 24 | — | $317.3M | ||
| Q2 24 | — | $203.6M | ||
| Q1 24 | — | $309.7M |
自由现金流率ATLCPCACC
| Q4 25 | — | 46.4% | ||
| Q3 25 | — | 51.3% | ||
| Q2 25 | — | 23.9% | ||
| Q1 25 | — | 60.6% | ||
| Q4 24 | — | 54.0% | ||
| Q3 24 | — | 57.7% | ||
| Q2 24 | — | 37.8% | ||
| Q1 24 | — | 61.0% |
资本支出强度ATLCPCACC
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.1% | ||
| Q1 24 | — | 0.1% |
现金转化率ATLCPCACC
| Q4 25 | 7.69× | 2.21× | ||
| Q3 25 | 4.30× | 2.77× | ||
| Q2 25 | 4.34× | 1.60× | ||
| Q1 25 | 4.17× | 3.26× | ||
| Q4 24 | 3.96× | 2.02× | ||
| Q3 24 | 3.80× | 4.03× | ||
| Q2 24 | 4.76× | — | ||
| Q1 24 | 4.54× | 4.82× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
