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Atlanticus Holdings Corp（ATLCP）与e.l.f. Beauty, Inc.（ELF）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e.l.f. Beauty, Inc.的1.5倍（$734.4M vs $489.5M），e.l.f. Beauty, Inc.净利率更高（8.0% vs 4.7%，领先3.3%），Atlanticus Holdings Corp同比增速更快（107.8% vs 37.8%）
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。
e.l.f. Beauty是美国知名彩妆品牌，2004年创立，总部位于加利福尼亚州奥克兰。品牌产品线丰富，涵盖沐浴护肤产品、矿物彩妆、专业美妆工具、眼线笔、口红、腮红、睫毛膏等多个品类，产品销往全球18个国家，入驻Target、沃尔玛等主流零售渠道，过半营收来自品牌官网。
ATLCP vs ELF — 直观对比
营收规模更大
ATLCP
是对方的1.5倍
$489.5M
营收增速更快
ATLCP
高出70.0%
37.8%
净利率更高
ELF
高出3.3%
4.7%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $489.5M |
| 净利润 | $34.6M | $39.4M |
| 毛利率 | 92.4% | 71.0% |
| 营业利润率 | 6.3% | 13.8% |
| 净利率 | 4.7% | 8.0% |
| 营收同比 | 107.8% | 37.8% |
| 净利润同比 | 11.7% | 128.1% |
| 每股收益（稀释后） | $1.75 | $0.65 |
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ATLCPELF
| Q4 25 | $734.4M | $489.5M | ||
| Q3 25 | $494.7M | $343.9M | ||
| Q2 25 | $394.2M | $353.7M | ||
| Q1 25 | $345.2M | — | ||
| Q4 24 | $353.5M | — | ||
| Q3 24 | $351.2M | — | ||
| Q2 24 | $316.0M | — | ||
| Q1 24 | $290.7M | — |
净利润ATLCPELF
| Q4 25 | $34.6M | $39.4M | ||
| Q3 25 | $25.0M | $3.0M | ||
| Q2 25 | $30.6M | $33.3M | ||
| Q1 25 | $31.5M | — | ||
| Q4 24 | $31.0M | — | ||
| Q3 24 | $29.5M | — | ||
| Q2 24 | $24.3M | — | ||
| Q1 24 | $26.2M | — |
毛利率ATLCPELF
| Q4 25 | 92.4% | 71.0% | ||
| Q3 25 | 92.1% | 69.4% | ||
| Q2 25 | 91.4% | 69.1% | ||
| Q1 25 | 90.7% | — | ||
| Q4 24 | 89.9% | — | ||
| Q3 24 | 92.0% | — | ||
| Q2 24 | 91.2% | — | ||
| Q1 24 | 90.8% | — |
营业利润率ATLCPELF
| Q4 25 | 6.3% | 13.8% | ||
| Q3 25 | 6.6% | 2.2% | ||
| Q2 25 | 10.2% | 13.8% | ||
| Q1 25 | 11.8% | — | ||
| Q4 24 | 11.3% | — | ||
| Q3 24 | 10.6% | — | ||
| Q2 24 | 9.1% | — | ||
| Q1 24 | 11.3% | — |
净利率ATLCPELF
| Q4 25 | 4.7% | 8.0% | ||
| Q3 25 | 5.0% | 0.9% | ||
| Q2 25 | 7.8% | 9.4% | ||
| Q1 25 | 9.1% | — | ||
| Q4 24 | 8.8% | — | ||
| Q3 24 | 8.4% | — | ||
| Q2 24 | 7.7% | — | ||
| Q1 24 | 9.0% | — |
每股收益（稀释后）ATLCPELF
| Q4 25 | $1.75 | $0.65 | ||
| Q3 25 | $1.21 | $0.05 | ||
| Q2 25 | $1.51 | $0.58 | ||
| Q1 25 | $1.49 | — | ||
| Q4 24 | $1.42 | — | ||
| Q3 24 | $1.27 | — | ||
| Q2 24 | $0.99 | — | ||
| Q1 24 | $1.09 | — |
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 | $196.8M |
| 总债务越低越好 | — | $816.7M |
| 股东权益账面价值 | $608.7M | $1.2B |
| 总资产 | $7.6B | $2.3B |
| 负债/权益比越低杠杆越低 | — | 0.70× |
8季度趋势，按日历期对齐
现金及短期投资ATLCPELF
| Q4 25 | $621.1M | $196.8M | ||
| Q3 25 | $425.0M | $194.4M | ||
| Q2 25 | $329.4M | $170.0M | ||
| Q1 25 | $350.4M | — | ||
| Q4 24 | $375.4M | — | ||
| Q3 24 | $308.7M | — | ||
| Q2 24 | $350.9M | — | ||
| Q1 24 | $444.8M | — |
总债务ATLCPELF
| Q4 25 | — | $816.7M | ||
| Q3 25 | — | $831.6M | ||
| Q2 25 | — | $256.7M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ATLCPELF
| Q4 25 | $608.7M | $1.2B | ||
| Q3 25 | $589.3M | $1.1B | ||
| Q2 25 | $563.3M | $804.9M | ||
| Q1 25 | $532.7M | — | ||
| Q4 24 | $492.9M | — | ||
| Q3 24 | $457.7M | — | ||
| Q2 24 | $433.8M | — | ||
| Q1 24 | $416.0M | — |
总资产ATLCPELF
| Q4 25 | $7.6B | $2.3B | ||
| Q3 25 | $7.1B | $2.3B | ||
| Q2 25 | $3.6B | $1.3B | ||
| Q1 25 | $3.3B | — | ||
| Q4 24 | $3.3B | — | ||
| Q3 24 | $3.0B | — | ||
| Q2 24 | $2.8B | — | ||
| Q1 24 | $2.8B | — |
负债/权益比ATLCPELF
| Q4 25 | — | 0.70× | ||
| Q3 25 | — | 0.73× | ||
| Q2 25 | — | 0.32× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $59.4M |
| 自由现金流经营现金流 - 资本支出 | — | $52.8M |
| 自由现金流率自由现金流/营收 | — | 10.8% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 现金转化率经营现金流/净利润 | 7.69× | 1.51× |
| 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ATLCPELF
| Q4 25 | $266.3M | $59.4M | ||
| Q3 25 | $107.5M | $23.4M | ||
| Q2 25 | $132.7M | $27.2M | ||
| Q1 25 | $131.6M | — | ||
| Q4 24 | $122.6M | — | ||
| Q3 24 | $112.4M | — | ||
| Q2 24 | $115.6M | — | ||
| Q1 24 | $118.8M | — |
自由现金流ATLCPELF
| Q4 25 | — | $52.8M | ||
| Q3 25 | — | $16.6M | ||
| Q2 25 | — | $20.1M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率ATLCPELF
| Q4 25 | — | 10.8% | ||
| Q3 25 | — | 4.8% | ||
| Q2 25 | — | 5.7% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度ATLCPELF
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 2.0% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
现金转化率ATLCPELF
| Q4 25 | 7.69× | 1.51× | ||
| Q3 25 | 4.30× | 7.82× | ||
| Q2 25 | 4.34× | 0.82× | ||
| Q1 25 | 4.17× | — | ||
| Q4 24 | 3.96× | — | ||
| Q3 24 | 3.80× | — | ||
| Q2 24 | 4.76× | — | ||
| Q1 24 | 4.54× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
