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Atlanticus Holdings Corp（ATLCP）与CHEESECAKE FACTORY INC（CAKE）财务数据对比。点击上方公司名可切换其他公司
CHEESECAKE FACTORY INC的季度营收约是Atlanticus Holdings Corp的1.2倍（$907.2M vs $734.4M），Atlanticus Holdings Corp净利率更高（4.7% vs 3.5%，领先1.2%），Atlanticus Holdings Corp同比增速更快（107.8% vs 0.4%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 2.3%）
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。
芝士蛋糕工厂（The Cheesecake Factory）是美国知名的餐饮连锁及芝士蛋糕分销企业，目前在全球运营370家全服务餐厅，其中218家为芝士蛋糕工厂品牌门店，47家为North Italia品牌门店，其余105家为其他品牌门店。此外公司在加利福尼亚州卡拉巴萨斯及北卡罗来纳州落基山城设有两座烘焙生产基地。
ATLCP vs CAKE — 直观对比
营收规模更大
CAKE
是对方的1.2倍
$734.4M
营收增速更快
ATLCP
高出107.4%
0.4%
净利率更高
ATLCP
高出1.2%
3.5%
两年增速更快
ATLCP
近两年复合增速
2.3%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $907.2M |
| 净利润 | $34.6M | $31.9M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 4.1% |
| 净利率 | 4.7% | 3.5% |
| 营收同比 | 107.8% | 0.4% |
| 净利润同比 | 11.7% | -39.2% |
| 每股收益（稀释后） | $1.75 | $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ATLCPCAKE
| Q4 25 | $734.4M | — | ||
| Q3 25 | $494.7M | $907.2M | ||
| Q2 25 | $394.2M | $927.2M | ||
| Q1 25 | $345.2M | — | ||
| Q4 24 | $353.5M | $865.5M | ||
| Q3 24 | $351.2M | $904.0M | ||
| Q2 24 | $316.0M | $891.2M | ||
| Q1 24 | $290.7M | $877.0M |
净利润ATLCPCAKE
| Q4 25 | $34.6M | — | ||
| Q3 25 | $25.0M | $31.9M | ||
| Q2 25 | $30.6M | $32.9M | ||
| Q1 25 | $31.5M | — | ||
| Q4 24 | $31.0M | $30.0M | ||
| Q3 24 | $29.5M | $52.4M | ||
| Q2 24 | $24.3M | $33.2M | ||
| Q1 24 | $26.2M | $12.7M |
毛利率ATLCPCAKE
| 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ATLCPCAKE
| Q4 25 | 6.3% | — | ||
| Q3 25 | 6.6% | 4.1% | ||
| Q2 25 | 10.2% | 5.6% | ||
| Q1 25 | 11.8% | — | ||
| Q4 24 | 11.3% | 3.9% | ||
| Q3 24 | 10.6% | 6.5% | ||
| Q2 24 | 9.1% | 4.4% | ||
| Q1 24 | 11.3% | 0.9% |
净利率ATLCPCAKE
| Q4 25 | 4.7% | — | ||
| Q3 25 | 5.0% | 3.5% | ||
| Q2 25 | 7.8% | 3.6% | ||
| Q1 25 | 9.1% | — | ||
| Q4 24 | 8.8% | 3.5% | ||
| Q3 24 | 8.4% | 5.8% | ||
| Q2 24 | 7.7% | 3.7% | ||
| Q1 24 | 9.0% | 1.4% |
每股收益（稀释后）ATLCPCAKE
| Q4 25 | $1.75 | — | ||
| Q3 25 | $1.21 | $0.66 | ||
| Q2 25 | $1.51 | $0.67 | ||
| Q1 25 | $1.49 | — | ||
| Q4 24 | $1.42 | $0.61 | ||
| Q3 24 | $1.27 | $1.08 | ||
| Q2 24 | $0.99 | $0.68 | ||
| Q1 24 | $1.09 | $0.27 |
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 | $190.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $425.3M |
| 总资产 | $7.6B | $3.2B |
| 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ATLCPCAKE
| Q4 25 | $621.1M | — | ||
| Q3 25 | $425.0M | $190.0M | ||
| Q2 25 | $329.4M | $135.4M | ||
| Q1 25 | $350.4M | — | ||
| Q4 24 | $375.4M | $52.2M | ||
| Q3 24 | $308.7M | $40.7M | ||
| Q2 24 | $350.9M | $60.2M | ||
| Q1 24 | $444.8M | $56.3M |
股东权益ATLCPCAKE
| Q4 25 | $608.7M | — | ||
| Q3 25 | $589.3M | $425.3M | ||
| Q2 25 | $563.3M | $339.4M | ||
| Q1 25 | $532.7M | — | ||
| Q4 24 | $492.9M | $396.4M | ||
| Q3 24 | $457.7M | $374.0M | ||
| Q2 24 | $433.8M | $332.4M | ||
| Q1 24 | $416.0M | $318.1M |
总资产ATLCPCAKE
| Q4 25 | $7.6B | — | ||
| Q3 25 | $7.1B | $3.2B | ||
| Q2 25 | $3.6B | $3.1B | ||
| Q1 25 | $3.3B | — | ||
| Q4 24 | $3.3B | $2.9B | ||
| Q3 24 | $3.0B | $2.9B | ||
| Q2 24 | $2.8B | $2.8B | ||
| Q1 24 | $2.8B | $2.8B |
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 | $147.5M |
| 自由现金流经营现金流 - 资本支出 | — | $69.2M |
| 自由现金流率自由现金流/营收 | — | 7.6% |
| 资本支出强度资本支出/营收 | — | 8.6% |
| 现金转化率经营现金流/净利润 | 7.69× | 4.62× |
| 过去12个月自由现金流最近4个季度 | — | $129.5M |
8季度趋势，按日历期对齐
经营现金流ATLCPCAKE
| Q4 25 | $266.3M | — | ||
| Q3 25 | $107.5M | $147.5M | ||
| Q2 25 | $132.7M | $78.9M | ||
| Q1 25 | $131.6M | — | ||
| Q4 24 | $122.6M | $79.9M | ||
| Q3 24 | $112.4M | $27.7M | ||
| Q2 24 | $115.6M | $66.7M | ||
| Q1 24 | $118.8M | $67.9M |
自由现金流ATLCPCAKE
| Q4 25 | — | — | ||
| Q3 25 | — | $69.2M | ||
| Q2 25 | — | $36.1M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $25.7M | ||
| Q3 24 | — | $-1.5M | ||
| Q2 24 | — | $29.6M | ||
| Q1 24 | — | $16.2M |
自由现金流率ATLCPCAKE
| Q4 25 | — | — | ||
| Q3 25 | — | 7.6% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.0% | ||
| Q3 24 | — | -0.2% | ||
| Q2 24 | — | 3.3% | ||
| Q1 24 | — | 1.8% |
资本支出强度ATLCPCAKE
| Q4 25 | — | — | ||
| Q3 25 | — | 8.6% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 6.3% | ||
| Q3 24 | — | 3.2% | ||
| Q2 24 | — | 4.2% | ||
| Q1 24 | — | 5.9% |
现金转化率ATLCPCAKE
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | 4.62× | ||
| Q2 25 | 4.34× | 2.40× | ||
| Q1 25 | 4.17× | — | ||
| Q4 24 | 3.96× | 2.66× | ||
| Q3 24 | 3.80× | 0.53× | ||
| Q2 24 | 4.76× | 2.01× | ||
| Q1 24 | 4.54× | 5.35× |
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
CAKE
| The Cheesecake Factory | $651.4M | 72% |
| Other | $94.4M | 10% |
| North Italia | $83.5M | 9% |
| Other Fox Restaurant Concepts Llc | $78.0M | 9% |
