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Atlanticus Holdings Corp（ATLCP）与科睿唯安（CLVT）财务数据对比。点击上方公司名可切换其他公司
Atlanticus Holdings Corp的季度营收约是科睿唯安的1.3倍（$734.4M vs $585.5M），Atlanticus Holdings Corp净利率更高（4.7% vs -6.9%，领先11.6%），Atlanticus Holdings Corp同比增速更快（107.8% vs -1.4%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs -5.1%）
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。
科睿唯安是一家英美合资的上市分析服务企业，主要提供订阅制信息服务，覆盖文献计量、科学计量、商业与市场情报领域，同时为医药、生物科技行业提供专利、监管合规相关的竞争分析，也提供商标保护、域名与品牌保护服务，旗下Web of Science产品系列还负责计算学术期刊的影响因子。
ATLCP vs CLVT — 直观对比
营收规模更大
ATLCP
是对方的1.3倍
$585.5M
营收增速更快
ATLCP
高出109.1%
-1.4%
净利率更高
ATLCP
高出11.6%
-6.9%
两年增速更快
ATLCP
近两年复合增速
-5.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $585.5M |
| 净利润 | $34.6M | $-40.2M |
| 毛利率 | 92.4% | 67.2% |
| 营业利润率 | 6.3% | 5.2% |
| 净利率 | 4.7% | -6.9% |
| 营收同比 | 107.8% | -1.4% |
| 净利润同比 | 11.7% | 61.3% |
| 每股收益（稀释后） | $1.75 | $-0.06 |
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ATLCPCLVT
| Q1 26 | — | $585.5M | ||
| Q4 25 | $734.4M | $617.0M | ||
| Q3 25 | $494.7M | $623.1M | ||
| Q2 25 | $394.2M | $621.4M | ||
| Q1 25 | $345.2M | $593.7M | ||
| Q4 24 | $353.5M | $663.0M | ||
| Q3 24 | $351.2M | $622.2M | ||
| Q2 24 | $316.0M | $650.3M |
净利润ATLCPCLVT
| Q1 26 | — | $-40.2M | ||
| Q4 25 | $34.6M | $3.1M | ||
| Q3 25 | $25.0M | $-28.3M | ||
| Q2 25 | $30.6M | $-72.0M | ||
| Q1 25 | $31.5M | $-103.9M | ||
| Q4 24 | $31.0M | $-191.8M | ||
| Q3 24 | $29.5M | $-65.6M | ||
| Q2 24 | $24.3M | $-304.3M |
毛利率ATLCPCLVT
| Q1 26 | — | 67.2% | ||
| Q4 25 | 92.4% | 66.8% | ||
| Q3 25 | 92.1% | 65.0% | ||
| Q2 25 | 91.4% | 67.2% | ||
| Q1 25 | 90.7% | 65.1% | ||
| Q4 24 | 89.9% | 65.7% | ||
| Q3 24 | 92.0% | 66.2% | ||
| Q2 24 | 91.2% | 67.2% |
营业利润率ATLCPCLVT
| Q1 26 | — | 5.2% | ||
| Q4 25 | 6.3% | 6.7% | ||
| Q3 25 | 6.6% | 7.1% | ||
| Q2 25 | 10.2% | 1.1% | ||
| Q1 25 | 11.8% | -3.5% | ||
| Q4 24 | 11.3% | -9.4% | ||
| Q3 24 | 10.6% | 3.5% | ||
| Q2 24 | 9.1% | -36.9% |
净利率ATLCPCLVT
| Q1 26 | — | -6.9% | ||
| Q4 25 | 4.7% | 0.5% | ||
| Q3 25 | 5.0% | -4.5% | ||
| Q2 25 | 7.8% | -11.6% | ||
| Q1 25 | 9.1% | -17.5% | ||
| Q4 24 | 8.8% | -28.9% | ||
| Q3 24 | 8.4% | -10.5% | ||
| Q2 24 | 7.7% | -46.8% |
每股收益（稀释后）ATLCPCLVT
| Q1 26 | — | $-0.06 | ||
| Q4 25 | $1.75 | $0.00 | ||
| Q3 25 | $1.21 | $-0.04 | ||
| Q2 25 | $1.51 | $-0.11 | ||
| Q1 25 | $1.49 | $-0.15 | ||
| Q4 24 | $1.42 | $-0.27 | ||
| Q3 24 | $1.27 | $-0.09 | ||
| Q2 24 | $0.99 | $-0.46 |
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 | — |
| 总债务越低越好 | — | $4.3B |
| 股东权益账面价值 | $608.7M | $4.8B |
| 总资产 | $7.6B | $10.9B |
| 负债/权益比越低杠杆越低 | — | 0.89× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPCLVT
| Q1 26 | — | — | ||
| Q4 25 | $621.1M | $329.2M | ||
| Q3 25 | $425.0M | $318.7M | ||
| Q2 25 | $329.4M | $362.6M | ||
| Q1 25 | $350.4M | $354.0M | ||
| Q4 24 | $375.4M | $295.2M | ||
| Q3 24 | $308.7M | $388.5M | ||
| Q2 24 | $350.9M | $376.4M |
总债务ATLCPCLVT
| Q1 26 | — | $4.3B | ||
| Q4 25 | — | $4.3B | ||
| Q3 25 | — | $4.4B | ||
| Q2 25 | — | $4.5B | ||
| Q1 25 | — | $4.5B | ||
| Q4 24 | — | $4.5B | ||
| Q3 24 | — | $4.6B | ||
| Q2 24 | — | $4.6B |
股东权益ATLCPCLVT
| Q1 26 | — | $4.8B | ||
| Q4 25 | $608.7M | $4.8B | ||
| Q3 25 | $589.3M | $4.9B | ||
| Q2 25 | $563.3M | $5.0B | ||
| Q1 25 | $532.7M | $5.0B | ||
| Q4 24 | $492.9M | $5.1B | ||
| Q3 24 | $457.7M | $5.5B | ||
| Q2 24 | $433.8M | $5.6B |
总资产ATLCPCLVT
| Q1 26 | — | $10.9B | ||
| Q4 25 | $7.6B | $11.1B | ||
| Q3 25 | $7.1B | $11.2B | ||
| Q2 25 | $3.6B | $11.4B | ||
| Q1 25 | $3.3B | $11.5B | ||
| Q4 24 | $3.3B | $11.5B | ||
| Q3 24 | $3.0B | $12.0B | ||
| Q2 24 | $2.8B | $12.1B |
负债/权益比ATLCPCLVT
| Q1 26 | — | 0.89× | ||
| Q4 25 | — | 0.89× | ||
| Q3 25 | — | 0.90× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.90× | ||
| Q4 24 | — | 0.88× | ||
| Q3 24 | — | 0.84× | ||
| Q2 24 | — | 0.83× |
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 | $134.7M |
| 自由现金流经营现金流 - 资本支出 | — | $78.9M |
| 自由现金流率自由现金流/营收 | — | 13.5% |
| 资本支出强度资本支出/营收 | — | 9.5% |
| 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 | — | $333.9M |
8季度趋势，按日历期对齐
经营现金流ATLCPCLVT
| Q1 26 | — | $134.7M | ||
| Q4 25 | $266.3M | $159.9M | ||
| Q3 25 | $107.5M | $181.1M | ||
| Q2 25 | $132.7M | $116.3M | ||
| Q1 25 | $131.6M | $171.2M | ||
| Q4 24 | $122.6M | $141.3M | ||
| Q3 24 | $112.4M | $202.9M | ||
| Q2 24 | $115.6M | $126.2M |
自由现金流ATLCPCLVT
| Q1 26 | — | $78.9M | ||
| Q4 25 | — | $89.2M | ||
| Q3 25 | — | $115.5M | ||
| Q2 25 | — | $50.3M | ||
| Q1 25 | — | $110.3M | ||
| Q4 24 | — | $59.1M | ||
| Q3 24 | — | $126.3M | ||
| Q2 24 | — | $60.3M |
自由现金流率ATLCPCLVT
| Q1 26 | — | 13.5% | ||
| Q4 25 | — | 14.5% | ||
| Q3 25 | — | 18.5% | ||
| Q2 25 | — | 8.1% | ||
| Q1 25 | — | 18.6% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | — | 20.3% | ||
| Q2 24 | — | 9.3% |
资本支出强度ATLCPCLVT
| Q1 26 | — | 9.5% | ||
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 10.5% | ||
| Q2 25 | — | 10.6% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 12.4% | ||
| Q3 24 | — | 12.3% | ||
| Q2 24 | — | 10.1% |
现金转化率ATLCPCLVT
| Q1 26 | — | — | ||
| Q4 25 | 7.69× | 51.58× | ||
| Q3 25 | 4.30× | — | ||
| Q2 25 | 4.34× | — | ||
| Q1 25 | 4.17× | — | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | — | ||
| Q2 24 | 4.76× | — |
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
CLVT
| Subscription | $397.5M | 68% |
| Re-occurring | $108.6M | 19% |
| Transactional | $79.4M | 14% |
