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Atlanticus Holdings Corp（ATLCP）与Custom Truck One Source, Inc.（CTOS）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Custom Truck One Source, Inc.的1.7倍（$734.4M vs $422.2M），Atlanticus Holdings Corp净利率更高（4.7% vs -4.2%，领先8.9%），Atlanticus Holdings Corp同比增速更快（107.8% vs -8.5%），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。
Custom Truck One Source是北美领先的专用重型卡车及设备解决方案提供商，业务覆盖定制车辆制造、设备销售与租赁、售后配件供应及维保服务，主要服务基建、公用事业、建筑、能源等核心领域。
ATLCP vs CTOS — 直观对比
营收规模更大
ATLCP
是对方的1.7倍
$422.2M
营收增速更快
ATLCP
高出116.3%
-8.5%
净利率更高
ATLCP
高出8.9%
-4.2%
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 | $422.2M |
| 净利润 | $34.6M | $-17.8M |
| 毛利率 | 92.4% | 20.3% |
| 营业利润率 | 6.3% | 2.9% |
| 净利率 | 4.7% | -4.2% |
| 营收同比 | 107.8% | -8.5% |
| 净利润同比 | 11.7% | -333.7% |
| 每股收益（稀释后） | $1.75 | $-0.08 |
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ATLCPCTOS
| Q1 26 | — | $422.2M | ||
| Q4 25 | $734.4M | $387.3M | ||
| Q3 25 | $494.7M | $359.9M | ||
| Q2 25 | $394.2M | $392.2M | ||
| Q1 25 | $345.2M | $307.1M | ||
| Q4 24 | $353.5M | $398.3M | ||
| Q3 24 | $351.2M | $337.5M | ||
| Q2 24 | $316.0M | $320.6M |
净利润ATLCPCTOS
| Q1 26 | — | $-17.8M | ||
| Q4 25 | $34.6M | $20.9M | ||
| Q3 25 | $25.0M | $-5.8M | ||
| Q2 25 | $30.6M | $-28.4M | ||
| Q1 25 | $31.5M | $-17.8M | ||
| Q4 24 | $31.0M | $27.6M | ||
| Q3 24 | $29.5M | $-17.4M | ||
| Q2 24 | $24.3M | $-24.5M |
毛利率ATLCPCTOS
| Q1 26 | — | 20.3% | ||
| Q4 25 | 92.4% | 31.8% | ||
| Q3 25 | 92.1% | 28.0% | ||
| Q2 25 | 91.4% | 26.1% | ||
| Q1 25 | 90.7% | 27.9% | ||
| Q4 24 | 89.9% | 29.7% | ||
| Q3 24 | 92.0% | 27.2% | ||
| Q2 24 | 91.2% | 27.8% |
营业利润率ATLCPCTOS
| Q1 26 | — | 2.9% | ||
| Q4 25 | 6.3% | 13.4% | ||
| Q3 25 | 6.6% | 9.1% | ||
| Q2 25 | 10.2% | 7.1% | ||
| Q1 25 | 11.8% | 4.0% | ||
| Q4 24 | 11.3% | 16.9% | ||
| Q3 24 | 10.6% | 6.8% | ||
| Q2 24 | 9.1% | 5.5% |
净利率ATLCPCTOS
| Q1 26 | — | -4.2% | ||
| Q4 25 | 4.7% | 5.4% | ||
| Q3 25 | 5.0% | -1.6% | ||
| Q2 25 | 7.8% | -7.2% | ||
| Q1 25 | 9.1% | -5.8% | ||
| Q4 24 | 8.8% | 6.9% | ||
| Q3 24 | 8.4% | -5.2% | ||
| Q2 24 | 7.7% | -7.6% |
每股收益（稀释后）ATLCPCTOS
| Q1 26 | — | $-0.08 | ||
| Q4 25 | $1.75 | $0.10 | ||
| Q3 25 | $1.21 | $-0.03 | ||
| Q2 25 | $1.51 | $-0.13 | ||
| Q1 25 | $1.49 | $-0.08 | ||
| Q4 24 | $1.42 | $0.11 | ||
| Q3 24 | $1.27 | $-0.07 | ||
| Q2 24 | $0.99 | $-0.10 |
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 | $6.3M |
| 总债务越低越好 | — | $25.9M |
| 股东权益账面价值 | $608.7M | $809.1M |
| 总资产 | $7.6B | $3.4B |
| 负债/权益比越低杠杆越低 | — | 0.03× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPCTOS
| Q1 26 | — | $6.3M | ||
| Q4 25 | $621.1M | $6.3M | ||
| Q3 25 | $425.0M | $13.1M | ||
| Q2 25 | $329.4M | $5.3M | ||
| Q1 25 | $350.4M | $5.4M | ||
| Q4 24 | $375.4M | $3.8M | ||
| Q3 24 | $308.7M | $8.4M | ||
| Q2 24 | $350.9M | $8.1M |
总债务ATLCPCTOS
| Q1 26 | — | $25.9M | ||
| Q4 25 | — | $1.6B | ||
| Q3 25 | — | $1.6B | ||
| Q2 25 | — | $1.6B | ||
| Q1 25 | — | $1.6B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | — | $1.5B |
股东权益ATLCPCTOS
| Q1 26 | — | $809.1M | ||
| Q4 25 | $608.7M | $809.1M | ||
| Q3 25 | $589.3M | $784.7M | ||
| Q2 25 | $563.3M | $790.1M | ||
| Q1 25 | $532.7M | $813.4M | ||
| Q4 24 | $492.9M | $861.3M | ||
| Q3 24 | $457.7M | $837.5M | ||
| Q2 24 | $433.8M | $856.7M |
总资产ATLCPCTOS
| Q1 26 | — | $3.4B | ||
| Q4 25 | $7.6B | $3.4B | ||
| Q3 25 | $7.1B | $3.5B | ||
| Q2 25 | $3.6B | $3.6B | ||
| Q1 25 | $3.3B | $3.5B | ||
| Q4 24 | $3.3B | $3.5B | ||
| Q3 24 | $3.0B | $3.6B | ||
| Q2 24 | $2.8B | $3.5B |
负债/权益比ATLCPCTOS
| Q1 26 | — | 0.03× | ||
| Q4 25 | — | 2.03× | ||
| Q3 25 | — | 2.10× | ||
| Q2 25 | — | 2.04× | ||
| Q1 25 | — | 1.97× | ||
| Q4 24 | — | 1.77× | ||
| Q3 24 | — | 1.87× | ||
| Q2 24 | — | 1.79× |
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 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 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× | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ATLCPCTOS
| Q1 26 | — | — | ||
| Q4 25 | $266.3M | $47.3M | ||
| Q3 25 | $107.5M | $81.5M | ||
| Q2 25 | $132.7M | $125.7M | ||
| Q1 25 | $131.6M | $55.6M | ||
| Q4 24 | $122.6M | $82.1M | ||
| Q3 24 | $112.4M | $16.5M | ||
| Q2 24 | $115.6M | $37.8M |
现金转化率ATLCPCTOS
| Q1 26 | — | — | ||
| Q4 25 | 7.69× | 2.27× | ||
| Q3 25 | 4.30× | — | ||
| Q2 25 | 4.34× | — | ||
| Q1 25 | 4.17× | — | ||
| Q4 24 | 3.96× | 2.98× | ||
| 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
CTOS
| Equipment sales | $273.9M | 65% |
| Rental revenue | $116.3M | 28% |
| Parts sales and services | $32.1M | 8% |
