vs
Atlanticus Holdings Corp（ATLCP）与Concentra Group Holdings Parent, Inc.（CON）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Concentra Group Holdings Parent, Inc.的1.3倍（$734.4M vs $569.6M），Concentra Group Holdings Parent, Inc.净利率更高（9.2% vs 4.7%，领先4.5%），Atlanticus Holdings Corp同比增速更快（107.8% vs 13.7%）
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。
Concentra是美国的职业医疗服务商，1979年成立于得克萨斯州阿马里洛，总部位于得克萨斯州艾迪生。业务覆盖美国47个州，运营627家职业医疗中心和410个雇主驻地现场诊所，美国每7起职业伤害案例中就有1起由该机构提供诊疗服务。
ATLCP vs CON — 直观对比
营收规模更大
ATLCP
是对方的1.3倍
$569.6M
营收增速更快
ATLCP
高出94.0%
13.7%
净利率更高
CON
高出4.5%
4.7%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $569.6M |
| 净利润 | $34.6M | $52.3M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 16.8% |
| 净利率 | 4.7% | 9.2% |
| 营收同比 | 107.8% | 13.7% |
| 净利润同比 | 11.7% | 28.7% |
| 每股收益（稀释后） | $1.75 | $0.39 |
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ATLCPCON
| Q1 26 | — | $569.6M | ||
| Q4 25 | $734.4M | $539.1M | ||
| Q3 25 | $494.7M | $572.8M | ||
| Q2 25 | $394.2M | $550.8M | ||
| Q1 25 | $345.2M | $500.8M | ||
| Q4 24 | $353.5M | — | ||
| Q3 24 | $351.2M | $489.6M | ||
| Q2 24 | $316.0M | $477.9M |
净利润ATLCPCON
| Q1 26 | — | $52.3M | ||
| Q4 25 | $34.6M | $34.7M | ||
| Q3 25 | $25.0M | $48.3M | ||
| Q2 25 | $30.6M | $44.6M | ||
| Q1 25 | $31.5M | $38.9M | ||
| Q4 24 | $31.0M | — | ||
| Q3 24 | $29.5M | $44.3M | ||
| Q2 24 | $24.3M | $51.7M |
毛利率ATLCPCON
| Q1 26 | — | — | ||
| 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% | — |
营业利润率ATLCPCON
| Q1 26 | — | 16.8% | ||
| Q4 25 | 6.3% | 12.9% | ||
| Q3 25 | 6.6% | 16.5% | ||
| Q2 25 | 10.2% | 16.3% | ||
| Q1 25 | 11.8% | 16.0% | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 10.6% | 17.6% | ||
| Q2 24 | 9.1% | 17.6% |
净利率ATLCPCON
| Q1 26 | — | 9.2% | ||
| Q4 25 | 4.7% | 6.4% | ||
| Q3 25 | 5.0% | 8.4% | ||
| Q2 25 | 7.8% | 8.1% | ||
| Q1 25 | 9.1% | 7.8% | ||
| Q4 24 | 8.8% | — | ||
| Q3 24 | 8.4% | 9.1% | ||
| Q2 24 | 7.7% | 10.8% |
每股收益（稀释后）ATLCPCON
| Q1 26 | — | $0.39 | ||
| Q4 25 | $1.75 | $0.27 | ||
| Q3 25 | $1.21 | $0.38 | ||
| Q2 25 | $1.51 | $0.35 | ||
| Q1 25 | $1.49 | $0.30 | ||
| Q4 24 | $1.42 | — | ||
| Q3 24 | $1.27 | $0.37 | ||
| Q2 24 | $0.99 | $0.50 |
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 | — | $1.6B |
| 股东权益账面价值 | $608.7M | $424.7M |
| 总资产 | $7.6B | $2.9B |
| 负债/权益比越低杠杆越低 | — | 3.68× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPCON
| Q1 26 | — | — | ||
| Q4 25 | $621.1M | $79.9M | ||
| Q3 25 | $425.0M | $49.9M | ||
| Q2 25 | $329.4M | $73.9M | ||
| Q1 25 | $350.4M | $52.1M | ||
| Q4 24 | $375.4M | — | ||
| Q3 24 | $308.7M | $136.8M | ||
| Q2 24 | $350.9M | $50.7M |
总债务ATLCPCON
| Q1 26 | — | $1.6B | ||
| Q4 25 | — | $1.6B | ||
| Q3 25 | — | $1.6B | ||
| Q2 25 | — | $1.7B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $3.0M |
股东权益ATLCPCON
| Q1 26 | — | $424.7M | ||
| Q4 25 | $608.7M | $393.3M | ||
| Q3 25 | $589.3M | $385.5M | ||
| Q2 25 | $563.3M | $342.6M | ||
| Q1 25 | $532.7M | $307.1M | ||
| Q4 24 | $492.9M | — | ||
| Q3 24 | $457.7M | $277.8M | ||
| Q2 24 | $433.8M | $1.2B |
总资产ATLCPCON
| Q1 26 | — | $2.9B | ||
| Q4 25 | $7.6B | $2.9B | ||
| Q3 25 | $7.1B | $2.8B | ||
| Q2 25 | $3.6B | $2.8B | ||
| Q1 25 | $3.3B | $2.7B | ||
| Q4 24 | $3.3B | — | ||
| Q3 24 | $3.0B | $2.5B | ||
| Q2 24 | $2.8B | $2.4B |
负债/权益比ATLCPCON
| Q1 26 | — | 3.68× | ||
| Q4 25 | — | 3.98× | ||
| Q3 25 | — | 4.15× | ||
| Q2 25 | — | 4.82× | ||
| Q1 25 | — | 5.27× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 5.30× | ||
| Q2 24 | — | 0.00× |
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 | $21.0M |
| 自由现金流经营现金流 - 资本支出 | — | $9.9M |
| 自由现金流率自由现金流/营收 | — | 1.7% |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 7.69× | 0.40× |
| 过去12个月自由现金流最近4个季度 | — | $211.0M |
8季度趋势，按日历期对齐
经营现金流ATLCPCON
| Q1 26 | — | $21.0M | ||
| Q4 25 | $266.3M | $118.7M | ||
| Q3 25 | $107.5M | $60.6M | ||
| Q2 25 | $132.7M | $88.4M | ||
| Q1 25 | $131.6M | $11.7M | ||
| Q4 24 | $122.6M | — | ||
| Q3 24 | $112.4M | $65.9M | ||
| Q2 24 | $115.6M | — |
自由现金流ATLCPCON
| Q1 26 | — | $9.9M | ||
| Q4 25 | — | $98.5M | ||
| Q3 25 | — | $39.4M | ||
| Q2 25 | — | $63.2M | ||
| Q1 25 | — | $-4.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $50.8M | ||
| Q2 24 | — | — |
自由现金流率ATLCPCON
| Q1 26 | — | 1.7% | ||
| Q4 25 | — | 18.3% | ||
| Q3 25 | — | 6.9% | ||
| Q2 25 | — | 11.5% | ||
| Q1 25 | — | -0.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 10.4% | ||
| Q2 24 | — | — |
资本支出强度ATLCPCON
| Q1 26 | — | — | ||
| Q4 25 | — | 3.7% | ||
| Q3 25 | — | 3.7% | ||
| Q2 25 | — | 4.6% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.1% | ||
| Q2 24 | — | — |
现金转化率ATLCPCON
| Q1 26 | — | 0.40× | ||
| Q4 25 | 7.69× | 3.42× | ||
| Q3 25 | 4.30× | 1.26× | ||
| Q2 25 | 4.34× | 1.98× | ||
| Q1 25 | 4.17× | 0.30× | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | 1.49× | ||
| 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
CON
| Workers' compensation | $337.7M | 59% |
| Employer services | $172.4M | 30% |
| Onsite health clinics | $37.2M | 7% |
| Other | $14.5M | 3% |
| Consumer health | $7.8M | 1% |
