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Atlanticus Holdings Corp（ATLCP）与Dayforce（DAY）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Dayforce的1.5倍（$734.4M vs $481.6M），Atlanticus Holdings Corp净利率更高（4.7% vs -40.9%，领先45.6%），Atlanticus Holdings Corp同比增速更快（107.8% vs 9.5%），过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 9.8%）
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。
Dayforce前身为知名人力资源服务商Ceridian，是一家总部位于美国的人力资源软件及服务企业，面向各行业不同规模的客户提供覆盖薪酬核算、人员管理、考勤等多场景的HR SaaS产品及配套专业服务，助力企业提升人力资源运营效率。
ATLCP vs DAY — 直观对比
营收规模更大
ATLCP
是对方的1.5倍
$481.6M
营收增速更快
ATLCP
高出98.3%
9.5%
净利率更高
ATLCP
高出45.6%
-40.9%
两年增速更快
ATLCP
近两年复合增速
9.8%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $481.6M |
| 净利润 | $34.6M | $-196.8M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 6.3% |
| 净利率 | 4.7% | -40.9% |
| 营收同比 | 107.8% | 9.5% |
| 净利润同比 | 11.7% | -9940.0% |
| 每股收益（稀释后） | $1.75 | $-1.23 |
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ATLCPDAY
| Q4 25 | $734.4M | — | ||
| Q3 25 | $494.7M | $481.6M | ||
| Q2 25 | $394.2M | $464.7M | ||
| Q1 25 | $345.2M | $481.8M | ||
| Q4 24 | $353.5M | $465.2M | ||
| Q3 24 | $351.2M | $440.0M | ||
| Q2 24 | $316.0M | $423.3M | ||
| Q1 24 | $290.7M | $431.5M |
净利润ATLCPDAY
| Q4 25 | $34.6M | — | ||
| Q3 25 | $25.0M | $-196.8M | ||
| Q2 25 | $30.6M | $21.3M | ||
| Q1 25 | $31.5M | $14.9M | ||
| Q4 24 | $31.0M | $10.8M | ||
| Q3 24 | $29.5M | $2.0M | ||
| Q2 24 | $24.3M | $-1.8M | ||
| Q1 24 | $26.2M | $7.1M |
毛利率ATLCPDAY
| Q4 25 | 92.4% | — | ||
| Q3 25 | 92.1% | — | ||
| Q2 25 | 91.4% | — | ||
| Q1 25 | 90.7% | — | ||
| Q4 24 | 89.9% | 47.0% | ||
| Q3 24 | 92.0% | 45.8% | ||
| Q2 24 | 91.2% | 44.1% | ||
| Q1 24 | 90.8% | 47.6% |
营业利润率ATLCPDAY
| Q4 25 | 6.3% | — | ||
| Q3 25 | 6.6% | 6.3% | ||
| Q2 25 | 10.2% | 9.1% | ||
| Q1 25 | 11.8% | 6.4% | ||
| Q4 24 | 11.3% | 6.1% | ||
| Q3 24 | 10.6% | 4.7% | ||
| Q2 24 | 9.1% | 3.3% | ||
| Q1 24 | 11.3% | 9.4% |
净利率ATLCPDAY
| Q4 25 | 4.7% | — | ||
| Q3 25 | 5.0% | -40.9% | ||
| Q2 25 | 7.8% | 4.6% | ||
| Q1 25 | 9.1% | 3.1% | ||
| Q4 24 | 8.8% | 2.3% | ||
| Q3 24 | 8.4% | 0.5% | ||
| Q2 24 | 7.7% | -0.4% | ||
| Q1 24 | 9.0% | 1.6% |
每股收益（稀释后）ATLCPDAY
| Q4 25 | $1.75 | — | ||
| Q3 25 | $1.21 | $-1.23 | ||
| Q2 25 | $1.51 | $0.13 | ||
| Q1 25 | $1.49 | $0.09 | ||
| Q4 24 | $1.42 | $0.07 | ||
| Q3 24 | $1.27 | $0.01 | ||
| Q2 24 | $0.99 | $-0.01 | ||
| Q1 24 | $1.09 | $0.04 |
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 | $627.6M |
| 总债务越低越好 | — | $631.1M |
| 股东权益账面价值 | $608.7M | $2.7B |
| 总资产 | $7.6B | $8.7B |
| 负债/权益比越低杠杆越低 | — | 0.23× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPDAY
| Q4 25 | $621.1M | — | ||
| Q3 25 | $425.0M | $627.6M | ||
| Q2 25 | $329.4M | $625.2M | ||
| Q1 25 | $350.4M | $557.3M | ||
| Q4 24 | $375.4M | $579.7M | ||
| Q3 24 | $308.7M | $494.1M | ||
| Q2 24 | $350.9M | $465.4M | ||
| Q1 24 | $444.8M | $392.5M |
总债务ATLCPDAY
| Q4 25 | — | — | ||
| Q3 25 | — | $631.1M | ||
| Q2 25 | — | $631.8M | ||
| Q1 25 | — | $632.4M | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.2B | ||
| Q1 24 | — | $1.2B |
股东权益ATLCPDAY
| Q4 25 | $608.7M | — | ||
| Q3 25 | $589.3M | $2.7B | ||
| Q2 25 | $563.3M | $2.7B | ||
| Q1 25 | $532.7M | $2.6B | ||
| Q4 24 | $492.9M | $2.5B | ||
| Q3 24 | $457.7M | $2.6B | ||
| Q2 24 | $433.8M | $2.5B | ||
| Q1 24 | $416.0M | $2.4B |
总资产ATLCPDAY
| Q4 25 | $7.6B | — | ||
| Q3 25 | $7.1B | $8.7B | ||
| Q2 25 | $3.6B | $8.5B | ||
| Q1 25 | $3.3B | $9.5B | ||
| Q4 24 | $3.3B | $9.1B | ||
| Q3 24 | $3.0B | $8.1B | ||
| Q2 24 | $2.8B | $9.0B | ||
| Q1 24 | $2.8B | $10.8B |
负债/权益比ATLCPDAY
| Q4 25 | — | — | ||
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.47× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 0.49× | ||
| Q1 24 | — | 0.50× |
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 | $31.2M |
| 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ATLCPDAY
| Q4 25 | $266.3M | — | ||
| Q3 25 | $107.5M | $31.2M | ||
| Q2 25 | $132.7M | $112.7M | ||
| Q1 25 | $131.6M | $49.6M | ||
| Q4 24 | $122.6M | $81.0M | ||
| Q3 24 | $112.4M | $91.8M | ||
| Q2 24 | $115.6M | $99.2M | ||
| Q1 24 | $118.8M | $9.1M |
现金转化率ATLCPDAY
| Q4 25 | 7.69× | — | ||
| Q3 25 | 4.30× | — | ||
| Q2 25 | 4.34× | 5.29× | ||
| Q1 25 | 4.17× | 3.33× | ||
| Q4 24 | 3.96× | 7.50× | ||
| Q3 24 | 3.80× | 45.90× | ||
| Q2 24 | 4.76× | — | ||
| Q1 24 | 4.54× | 1.28× |
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
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
