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Atlanticus Holdings Corp（ATLCP）与CARLISLE COMPANIES INC（CSL）财务数据对比。点击上方公司名可切换其他公司
CARLISLE COMPANIES INC的季度营收约是Atlanticus Holdings Corp的1.4倍（$1.1B vs $734.4M），CARLISLE COMPANIES INC净利率更高（12.1% vs 4.7%，领先7.4%），Atlanticus Holdings Corp同比增速更快（107.8% vs -4.0%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs -14.8%）
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。
卡莱尔公司是专业建筑产品供应商，聚焦于提升建筑能效与稳固性，面向商业建筑领域生产销售单层屋面产品、质保系统及配套配件，旗下设有卡莱尔建筑材料、卡莱尔防水技术两大业务板块，产品涵盖防潮材料、屋面防护层等多个品类。
ATLCP vs CSL — 直观对比
营收规模更大
CSL
是对方的1.4倍
$734.4M
营收增速更快
ATLCP
高出111.7%
-4.0%
净利率更高
CSL
高出7.4%
4.7%
两年增速更快
ATLCP
近两年复合增速
-14.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $1.1B |
| 净利润 | $34.6M | $127.7M |
| 毛利率 | 92.4% | 34.5% |
| 营业利润率 | 6.3% | 17.1% |
| 净利率 | 4.7% | 12.1% |
| 营收同比 | 107.8% | -4.0% |
| 净利润同比 | 11.7% | -10.9% |
| 每股收益（稀释后） | $1.75 | $3.10 |
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ATLCPCSL
| Q1 26 | — | $1.1B | ||
| Q4 25 | $734.4M | $1.1B | ||
| Q3 25 | $494.7M | $1.3B | ||
| Q2 25 | $394.2M | $1.4B | ||
| Q1 25 | $345.2M | $1.1B | ||
| Q4 24 | $353.5M | $1.1B | ||
| Q3 24 | $351.2M | $1.3B | ||
| Q2 24 | $316.0M | $1.5B |
净利润ATLCPCSL
| Q1 26 | — | $127.7M | ||
| Q4 25 | $34.6M | $127.4M | ||
| Q3 25 | $25.0M | $214.2M | ||
| Q2 25 | $30.6M | $255.8M | ||
| Q1 25 | $31.5M | $143.3M | ||
| Q4 24 | $31.0M | $162.8M | ||
| Q3 24 | $29.5M | $244.3M | ||
| Q2 24 | $24.3M | $712.4M |
毛利率ATLCPCSL
| Q1 26 | — | 34.5% | ||
| Q4 25 | 92.4% | 33.8% | ||
| Q3 25 | 92.1% | 36.0% | ||
| Q2 25 | 91.4% | 37.3% | ||
| Q1 25 | 90.7% | 35.2% | ||
| Q4 24 | 89.9% | 36.1% | ||
| Q3 24 | 92.0% | 38.6% | ||
| Q2 24 | 91.2% | 39.2% |
营业利润率ATLCPCSL
| Q1 26 | — | 17.1% | ||
| Q4 25 | 6.3% | 16.8% | ||
| Q3 25 | 6.6% | 21.8% | ||
| Q2 25 | 10.2% | 23.1% | ||
| Q1 25 | 11.8% | 16.8% | ||
| Q4 24 | 11.3% | 19.9% | ||
| Q3 24 | 10.6% | 23.7% | ||
| Q2 24 | 9.1% | 26.0% |
净利率ATLCPCSL
| Q1 26 | — | 12.1% | ||
| Q4 25 | 4.7% | 11.3% | ||
| Q3 25 | 5.0% | 15.9% | ||
| Q2 25 | 7.8% | 17.6% | ||
| Q1 25 | 9.1% | 13.1% | ||
| Q4 24 | 8.8% | 14.5% | ||
| Q3 24 | 8.4% | 18.3% | ||
| Q2 24 | 7.7% | 49.1% |
每股收益（稀释后）ATLCPCSL
| Q1 26 | — | $3.10 | ||
| Q4 25 | $1.75 | $3.06 | ||
| Q3 25 | $1.21 | $4.98 | ||
| Q2 25 | $1.51 | $5.88 | ||
| Q1 25 | $1.49 | $3.20 | ||
| Q4 24 | $1.42 | $3.76 | ||
| Q3 24 | $1.27 | $5.25 | ||
| Q2 24 | $0.99 | $14.84 |
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 | $771.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $608.7M | $1.7B |
| 总资产 | $7.6B | — |
| 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ATLCPCSL
| Q1 26 | — | $771.3M | ||
| Q4 25 | $621.1M | $1.1B | ||
| Q3 25 | $425.0M | $1.1B | ||
| Q2 25 | $329.4M | $68.4M | ||
| Q1 25 | $350.4M | $220.2M | ||
| Q4 24 | $375.4M | $753.5M | ||
| Q3 24 | $308.7M | $1.5B | ||
| Q2 24 | $350.9M | $1.7B |
总债务ATLCPCSL
| Q1 26 | — | — | ||
| Q4 25 | — | $2.9B | ||
| Q3 25 | — | $2.9B | ||
| Q2 25 | — | $1.9B | ||
| Q1 25 | — | $1.9B | ||
| Q4 24 | — | $1.9B | ||
| Q3 24 | — | $2.3B | ||
| Q2 24 | — | $2.3B |
股东权益ATLCPCSL
| Q1 26 | — | $1.7B | ||
| Q4 25 | $608.7M | $1.8B | ||
| Q3 25 | $589.3M | $2.0B | ||
| Q2 25 | $563.3M | $2.1B | ||
| Q1 25 | $532.7M | $2.2B | ||
| Q4 24 | $492.9M | $2.5B | ||
| Q3 24 | $457.7M | $2.8B | ||
| Q2 24 | $433.8M | $3.0B |
总资产ATLCPCSL
| Q1 26 | — | — | ||
| Q4 25 | $7.6B | $6.3B | ||
| Q3 25 | $7.1B | $6.5B | ||
| Q2 25 | $3.6B | $5.5B | ||
| Q1 25 | $3.3B | $5.5B | ||
| Q4 24 | $3.3B | $5.8B | ||
| Q3 24 | $3.0B | $6.5B | ||
| Q2 24 | $2.8B | $6.7B |
负债/权益比ATLCPCSL
| Q1 26 | — | — | ||
| Q4 25 | — | 1.61× | ||
| Q3 25 | — | 1.45× | ||
| Q2 25 | — | 0.89× | ||
| Q1 25 | — | 0.87× | ||
| Q4 24 | — | 0.77× | ||
| Q3 24 | — | 0.83× | ||
| Q2 24 | — | 0.76× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | — | $-73.0M |
| 自由现金流率自由现金流/营收 | — | -6.9% |
| 资本支出强度资本支出/营收 | — | 2.7% |
| 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 | — | $924.8M |
8季度趋势，按日历期对齐
经营现金流ATLCPCSL
| Q1 26 | — | — | ||
| Q4 25 | $266.3M | $386.0M | ||
| Q3 25 | $107.5M | $426.9M | ||
| Q2 25 | $132.7M | $287.1M | ||
| Q1 25 | $131.6M | $1.8M | ||
| Q4 24 | $122.6M | $370.6M | ||
| Q3 24 | $112.4M | $312.8M | ||
| Q2 24 | $115.6M | $183.4M |
自由现金流ATLCPCSL
| Q1 26 | — | $-73.0M | ||
| Q4 25 | — | $346.1M | ||
| Q3 25 | — | $393.4M | ||
| Q2 25 | — | $258.3M | ||
| Q1 25 | — | $-27.2M | ||
| Q4 24 | — | $334.0M | ||
| Q3 24 | — | $293.5M | ||
| Q2 24 | — | $158.5M |
自由现金流率ATLCPCSL
| Q1 26 | — | -6.9% | ||
| Q4 25 | — | 30.7% | ||
| Q3 25 | — | 29.2% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | -2.5% | ||
| Q4 24 | — | 29.7% | ||
| Q3 24 | — | 22.0% | ||
| Q2 24 | — | 10.9% |
资本支出强度ATLCPCSL
| Q1 26 | — | 2.7% | ||
| Q4 25 | — | 3.5% | ||
| Q3 25 | — | 2.5% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 3.3% | ||
| Q3 24 | — | 1.4% | ||
| Q2 24 | — | 1.7% |
现金转化率ATLCPCSL
| Q1 26 | — | — | ||
| Q4 25 | 7.69× | 3.03× | ||
| Q3 25 | 4.30× | 1.99× | ||
| Q2 25 | 4.34× | 1.12× | ||
| Q1 25 | 4.17× | 0.01× | ||
| Q4 24 | 3.96× | 2.28× | ||
| Q3 24 | 3.80× | 1.28× | ||
| Q2 24 | 4.76× | 0.26× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
