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Atlanticus Holdings Corp（ATLCP）与Enova International, Inc.（ENVA）财务数据对比。点击上方公司名可切换其他公司
Enova International, Inc.的季度营收约是Atlanticus Holdings Corp的1.2倍（$875.1M vs $734.4M）。Enova International, Inc.净利率更高（10.4% vs 4.7%，领先5.7%）。Atlanticus Holdings Corp同比增速更快（107.8% vs 17.4%）。过去两年Atlanticus Holdings Corp的营收复合增速更高（58.9% vs 18.0%）
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。
Enova International是一家全球金融科技企业，提供短期消费贷款、小微企业融资等线上金融服务，主要覆盖北美、南美及欧洲市场，依托先进数据分析技术评估用户信用，为传统金融覆盖不足的群体提供定制化金融产品。
ATLCP vs ENVA — 直观对比
营收规模更大
ENVA
是对方的1.2倍
$734.4M
营收增速更快
ATLCP
高出90.4%
17.4%
净利率更高
ENVA
高出5.7%
4.7%
两年增速更快
ATLCP
近两年复合增速
18.0%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $734.4M | $875.1M |
| 净利润 | $34.6M | $91.1M |
| 毛利率 | 92.4% | — |
| 营业利润率 | 6.3% | 23.7% |
| 净利率 | 4.7% | 10.4% |
| 营收同比 | 107.8% | 17.4% |
| 净利润同比 | 11.7% | 24.9% |
| 每股收益（稀释后） | $1.75 | $3.46 |
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ATLCPENVA
| Q1 26 | — | $875.1M | ||
| Q4 25 | $734.4M | $839.4M | ||
| Q3 25 | $494.7M | $802.7M | ||
| Q2 25 | $394.2M | $764.0M | ||
| Q1 25 | $345.2M | $745.5M | ||
| Q4 24 | $353.5M | $729.6M | ||
| Q3 24 | $351.2M | $689.9M | ||
| Q2 24 | $316.0M | $628.4M |
净利润ATLCPENVA
| Q1 26 | — | $91.1M | ||
| Q4 25 | $34.6M | $79.0M | ||
| Q3 25 | $25.0M | $80.3M | ||
| Q2 25 | $30.6M | $76.1M | ||
| Q1 25 | $31.5M | $72.9M | ||
| Q4 24 | $31.0M | $63.7M | ||
| Q3 24 | $29.5M | $43.4M | ||
| Q2 24 | $24.3M | $53.9M |
毛利率ATLCPENVA
| Q1 26 | — | — | ||
| Q4 25 | 92.4% | 59.8% | ||
| Q3 25 | 92.1% | 57.4% | ||
| Q2 25 | 91.4% | 57.8% | ||
| Q1 25 | 90.7% | 57.2% | ||
| Q4 24 | 89.9% | 56.6% | ||
| Q3 24 | 92.0% | 58.0% | ||
| Q2 24 | 91.2% | 58.9% |
营业利润率ATLCPENVA
| Q1 26 | — | 23.7% | ||
| Q4 25 | 6.3% | 22.2% | ||
| Q3 25 | 6.6% | 24.5% | ||
| Q2 25 | 10.2% | 24.1% | ||
| Q1 25 | 11.8% | 23.1% | ||
| Q4 24 | 11.3% | 21.3% | ||
| Q3 24 | 10.6% | 22.3% | ||
| Q2 24 | 9.1% | 23.1% |
净利率ATLCPENVA
| Q1 26 | — | 10.4% | ||
| Q4 25 | 4.7% | 9.4% | ||
| Q3 25 | 5.0% | 10.0% | ||
| Q2 25 | 7.8% | 10.0% | ||
| Q1 25 | 9.1% | 9.8% | ||
| Q4 24 | 8.8% | 8.7% | ||
| Q3 24 | 8.4% | 6.3% | ||
| Q2 24 | 7.7% | 8.6% |
每股收益（稀释后）ATLCPENVA
| Q1 26 | — | $3.46 | ||
| Q4 25 | $1.75 | $2.94 | ||
| Q3 25 | $1.21 | $3.03 | ||
| Q2 25 | $1.51 | $2.86 | ||
| Q1 25 | $1.49 | $2.69 | ||
| Q4 24 | $1.42 | $2.29 | ||
| Q3 24 | $1.27 | $1.57 | ||
| Q2 24 | $0.99 | $1.93 |
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 | $96.1M |
| 总债务越低越好 | — | $4.8B |
| 股东权益账面价值 | $608.7M | — |
| 总资产 | $7.6B | $6.9B |
| 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ATLCPENVA
| Q1 26 | — | $96.1M | ||
| Q4 25 | $621.1M | $71.7M | ||
| Q3 25 | $425.0M | $53.6M | ||
| Q2 25 | $329.4M | $55.6M | ||
| Q1 25 | $350.4M | $55.5M | ||
| Q4 24 | $375.4M | $73.9M | ||
| Q3 24 | $308.7M | $67.5M | ||
| Q2 24 | $350.9M | $60.1M |
总债务ATLCPENVA
| Q1 26 | — | $4.8B | ||
| Q4 25 | — | $4.5B | ||
| Q3 25 | — | $4.1B | ||
| Q2 25 | — | $4.0B | ||
| Q1 25 | — | $3.8B | ||
| Q4 24 | — | $3.6B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $3.2B |
股东权益ATLCPENVA
| Q1 26 | — | — | ||
| Q4 25 | $608.7M | $1.3B | ||
| Q3 25 | $589.3M | $1.3B | ||
| Q2 25 | $563.3M | $1.2B | ||
| Q1 25 | $532.7M | $1.2B | ||
| Q4 24 | $492.9M | $1.2B | ||
| Q3 24 | $457.7M | $1.2B | ||
| Q2 24 | $433.8M | $1.1B |
总资产ATLCPENVA
| Q1 26 | — | $6.9B | ||
| Q4 25 | $7.6B | $6.5B | ||
| Q3 25 | $7.1B | $6.0B | ||
| Q2 25 | $3.6B | $5.7B | ||
| Q1 25 | $3.3B | $5.5B | ||
| Q4 24 | $3.3B | $5.3B | ||
| Q3 24 | $3.0B | $5.0B | ||
| Q2 24 | $2.8B | $4.8B |
负债/权益比ATLCPENVA
| Q1 26 | — | — | ||
| Q4 25 | — | 3.37× | ||
| Q3 25 | — | 3.20× | ||
| Q2 25 | — | 3.23× | ||
| Q1 25 | — | 3.14× | ||
| Q4 24 | — | 2.98× | ||
| Q3 24 | — | 2.79× | ||
| Q2 24 | — | 2.78× |
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ATLCPENVA
| Q1 26 | — | — | ||
| Q4 25 | $266.3M | $498.8M | ||
| Q3 25 | $107.5M | $481.8M | ||
| Q2 25 | $132.7M | $447.4M | ||
| Q1 25 | $131.6M | $391.1M | ||
| Q4 24 | $122.6M | $430.5M | ||
| Q3 24 | $112.4M | $398.6M | ||
| Q2 24 | $115.6M | $360.9M |
自由现金流ATLCPENVA
| Q1 26 | — | — | ||
| Q4 25 | — | $487.1M | ||
| Q3 25 | — | $470.5M | ||
| Q2 25 | — | $436.1M | ||
| Q1 25 | — | $378.3M | ||
| Q4 24 | — | $420.3M | ||
| Q3 24 | — | $387.6M | ||
| Q2 24 | — | $349.9M |
自由现金流率ATLCPENVA
| Q1 26 | — | — | ||
| Q4 25 | — | 58.0% | ||
| Q3 25 | — | 58.6% | ||
| Q2 25 | — | 57.1% | ||
| Q1 25 | — | 50.7% | ||
| Q4 24 | — | 57.6% | ||
| Q3 24 | — | 56.2% | ||
| Q2 24 | — | 55.7% |
资本支出强度ATLCPENVA
| Q1 26 | — | — | ||
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 1.4% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | — | 1.6% | ||
| Q2 24 | — | 1.8% |
现金转化率ATLCPENVA
| Q1 26 | — | — | ||
| Q4 25 | 7.69× | 6.32× | ||
| Q3 25 | 4.30× | 6.00× | ||
| Q2 25 | 4.34× | 5.87× | ||
| Q1 25 | 4.17× | 5.36× | ||
| Q4 24 | 3.96× | 6.76× | ||
| Q3 24 | 3.80× | 9.18× | ||
| Q2 24 | 4.76× | 6.70× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
