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Atlanticus Holdings Corp（ATLCP）与CoStar Group（CSGP）财务数据对比。点击上方公司名可切换其他公司
CoStar Group的季度营收约是Atlanticus Holdings Corp的1.2倍（$899.9M vs $734.4M），CoStar Group净利率更高（5.2% vs 4.7%，领先0.5%），Atlanticus Holdings Corp同比增速更快（107.8% vs 26.9%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 17.1%）
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。
CoStar Group是1987年成立的美国商业地产服务商，总部位于弗吉尼亚州阿灵顿，业务覆盖北美、欧洲地区，为商业地产行业提供信息、分析及营销解决方案，旗下运营CoStar线上数据库、新闻网站及Apartments.com、Homes.com等多个线上平台。
ATLCP vs CSGP — 直观对比
营收规模更大
CSGP
是对方的1.2倍
$734.4M
营收增速更快
ATLCP
高出80.9%
26.9%
净利率更高
CSGP
高出0.5%
4.7%
两年增速更快
ATLCP
近两年复合增速
17.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $899.9M |
| 净利润 | $34.6M | $46.5M |
| 毛利率 | 92.4% | 78.6% |
| 营业利润率 | 6.3% | 5.5% |
| 净利率 | 4.7% | 5.2% |
| 营收同比 | 107.8% | 26.9% |
| 净利润同比 | 11.7% | -22.2% |
| 每股收益（稀释后） | $1.75 | $0.12 |
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ATLCPCSGP
| Q4 25 | $734.4M | $899.9M | ||
| Q3 25 | $494.7M | $833.6M | ||
| Q2 25 | $394.2M | $781.3M | ||
| Q1 25 | $345.2M | $732.2M | ||
| Q4 24 | $353.5M | $709.4M | ||
| Q3 24 | $351.2M | $692.6M | ||
| Q2 24 | $316.0M | $677.8M | ||
| Q1 24 | $290.7M | $656.4M |
净利润ATLCPCSGP
| Q4 25 | $34.6M | $46.5M | ||
| Q3 25 | $25.0M | $-30.9M | ||
| Q2 25 | $30.6M | $6.2M | ||
| Q1 25 | $31.5M | $-14.8M | ||
| Q4 24 | $31.0M | $59.8M | ||
| Q3 24 | $29.5M | $53.0M | ||
| Q2 24 | $24.3M | $19.2M | ||
| Q1 24 | $26.2M | $6.7M |
毛利率ATLCPCSGP
| Q4 25 | 92.4% | 78.6% | ||
| Q3 25 | 92.1% | 79.3% | ||
| Q2 25 | 91.4% | 78.5% | ||
| Q1 25 | 90.7% | 79.1% | ||
| Q4 24 | 89.9% | 80.1% | ||
| Q3 24 | 92.0% | 79.7% | ||
| Q2 24 | 91.2% | 80.0% | ||
| Q1 24 | 90.8% | 78.5% |
营业利润率ATLCPCSGP
| Q4 25 | 6.3% | 5.5% | ||
| Q3 25 | 6.6% | -6.1% | ||
| Q2 25 | 10.2% | -3.5% | ||
| Q1 25 | 11.8% | -5.8% | ||
| Q4 24 | 11.3% | 5.6% | ||
| Q3 24 | 10.6% | 3.4% | ||
| Q2 24 | 9.1% | -2.4% | ||
| Q1 24 | 11.3% | -6.5% |
净利率ATLCPCSGP
| Q4 25 | 4.7% | 5.2% | ||
| Q3 25 | 5.0% | -3.7% | ||
| Q2 25 | 7.8% | 0.8% | ||
| Q1 25 | 9.1% | -2.0% | ||
| Q4 24 | 8.8% | 8.4% | ||
| Q3 24 | 8.4% | 7.7% | ||
| Q2 24 | 7.7% | 2.8% | ||
| Q1 24 | 9.0% | 1.0% |
每股收益（稀释后）ATLCPCSGP
| Q4 25 | $1.75 | $0.12 | ||
| Q3 25 | $1.21 | $-0.07 | ||
| Q2 25 | $1.51 | $0.01 | ||
| Q1 25 | $1.49 | $-0.04 | ||
| Q4 24 | $1.42 | $0.14 | ||
| Q3 24 | $1.27 | $0.13 | ||
| Q2 24 | $0.99 | $0.05 | ||
| Q1 24 | $1.09 | $0.02 |
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 | $1.6B |
| 总债务越低越好 | — | $140.0M |
| 股东权益账面价值 | $608.7M | $8.3B |
| 总资产 | $7.6B | $10.5B |
| 负债/权益比越低杠杆越低 | — | 0.02× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPCSGP
| Q4 25 | $621.1M | $1.6B | ||
| Q3 25 | $425.0M | $1.9B | ||
| Q2 25 | $329.4M | $3.6B | ||
| Q1 25 | $350.4M | $3.7B | ||
| Q4 24 | $375.4M | $4.7B | ||
| Q3 24 | $308.7M | — | ||
| Q2 24 | $350.9M | — | ||
| Q1 24 | $444.8M | — |
总债务ATLCPCSGP
| Q4 25 | — | $140.0M | ||
| Q3 25 | — | $1.0B | ||
| Q2 25 | — | $1.0B | ||
| Q1 25 | — | $1.0B | ||
| Q4 24 | — | $1.0B | ||
| Q3 24 | — | $1.0B | ||
| Q2 24 | — | $1.0B | ||
| Q1 24 | — | $1.0B |
股东权益ATLCPCSGP
| Q4 25 | $608.7M | $8.3B | ||
| Q3 25 | $589.3M | $8.6B | ||
| Q2 25 | $563.3M | $8.6B | ||
| Q1 25 | $532.7M | $8.6B | ||
| Q4 24 | $492.9M | $7.6B | ||
| Q3 24 | $457.7M | $7.5B | ||
| Q2 24 | $433.8M | $7.4B | ||
| Q1 24 | $416.0M | $7.3B |
总资产ATLCPCSGP
| Q4 25 | $7.6B | $10.5B | ||
| Q3 25 | $7.1B | $10.8B | ||
| Q2 25 | $3.6B | $10.5B | ||
| Q1 25 | $3.3B | $10.4B | ||
| Q4 24 | $3.3B | $9.3B | ||
| Q3 24 | $3.0B | $9.1B | ||
| Q2 24 | $2.8B | $9.1B | ||
| Q1 24 | $2.8B | $9.0B |
负债/权益比ATLCPCSGP
| Q4 25 | — | 0.02× | ||
| Q3 25 | — | 0.12× | ||
| Q2 25 | — | 0.12× | ||
| Q1 25 | — | 0.12× | ||
| Q4 24 | — | 0.13× | ||
| Q3 24 | — | 0.13× | ||
| Q2 24 | — | 0.14× | ||
| Q1 24 | — | 0.14× |
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 | $162.1M |
| 自由现金流经营现金流 - 资本支出 | — | $101.3M |
| 自由现金流率自由现金流/营收 | — | 11.3% |
| 资本支出强度资本支出/营收 | — | 6.8% |
| 现金转化率经营现金流/净利润 | 7.69× | 3.49× |
| 过去12个月自由现金流最近4个季度 | — | $123.0M |
8季度趋势，按日历期对齐
经营现金流ATLCPCSGP
| Q4 25 | $266.3M | $162.1M | ||
| Q3 25 | $107.5M | $68.2M | ||
| Q2 25 | $132.7M | $146.5M | ||
| Q1 25 | $131.6M | $53.2M | ||
| Q4 24 | $122.6M | $94.6M | ||
| Q3 24 | $112.4M | $100.3M | ||
| Q2 24 | $115.6M | $58.1M | ||
| Q1 24 | $118.8M | $139.6M |
自由现金流ATLCPCSGP
| Q4 25 | — | $101.3M | ||
| Q3 25 | — | $-5.5M | ||
| Q2 25 | — | $27.7M | ||
| Q1 25 | — | $-500.0K | ||
| Q4 24 | — | $25.2M | ||
| Q3 24 | — | $40.2M | ||
| Q2 24 | — | $-14.7M | ||
| Q1 24 | — | $-237.1M |
自由现金流率ATLCPCSGP
| Q4 25 | — | 11.3% | ||
| Q3 25 | — | -0.7% | ||
| Q2 25 | — | 3.5% | ||
| Q1 25 | — | -0.1% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | 5.8% | ||
| Q2 24 | — | -2.2% | ||
| Q1 24 | — | -36.1% |
资本支出强度ATLCPCSGP
| Q4 25 | — | 6.8% | ||
| Q3 25 | — | 8.8% | ||
| Q2 25 | — | 15.2% | ||
| Q1 25 | — | 7.3% | ||
| Q4 24 | — | 9.8% | ||
| Q3 24 | — | 8.7% | ||
| Q2 24 | — | 10.7% | ||
| Q1 24 | — | 57.4% |
现金转化率ATLCPCSGP
| Q4 25 | 7.69× | 3.49× | ||
| Q3 25 | 4.30× | — | ||
| Q2 25 | 4.34× | 23.63× | ||
| Q1 25 | 4.17× | — | ||
| Q4 24 | 3.96× | 1.58× | ||
| Q3 24 | 3.80× | 1.89× | ||
| Q2 24 | 4.76× | 3.03× | ||
| Q1 24 | 4.54× | 20.84× |
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
CSGP
| Co Star | $503.8M | 56% |
| Other | $283.0M | 31% |
| Loop Net | $94.7M | 11% |
